Can I get Washington ESD unemployment benefits while receiving Social Security?
I'm 63 and just got laid off from my warehouse job after 8 years. I've been getting Social Security retirement benefits for about 6 months now (around $1,200/month). Can I still file for unemployment through Washington ESD or does getting Social Security disqualify me? I really need the extra income while I look for another job but don't want to mess up my Social Security or get in trouble with Washington ESD for applying when I'm not supposed to.
43 comments


Yara Assad
Yes, you can collect both Social Security retirement and Washington ESD unemployment benefits at the same time. There's no federal law that prevents this, and Washington state allows it. However, your unemployment benefits might be reduced depending on how much Social Security you receive. Washington ESD will calculate any offset based on your weekly benefit amount.
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Paolo Bianchi
•That's a relief! Do you know how much they typically reduce the unemployment benefits by? I don't want to be surprised when I file my weekly claims.
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Yara Assad
•It varies based on your specific benefit amounts. Washington ESD will determine the exact reduction when you file your initial claim. Make sure to report your Social Security income accurately on your application.
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Olivia Clark
I'm in a similar situation and had trouble getting through to Washington ESD to ask about this. Spent hours on hold trying to reach someone who could explain how the benefits work together. Finally found Claimyr (claimyr.com) which helped me get connected to an actual Washington ESD agent who walked me through the whole process. They have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works.
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Paolo Bianchi
•Thanks for sharing that! I've been dreading trying to call Washington ESD because I know how hard it is to get through.
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Javier Morales
•How much does that service cost? I'm already on a tight budget with just Social Security.
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Olivia Clark
•It was worth it for me to get accurate information instead of guessing. The peace of mind was valuable when dealing with both Social Security and unemployment benefits.
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Natasha Petrov
You'll need to be careful about the work search requirements though. Even though you're getting Social Security, Washington ESD still requires you to actively look for work and document your job search activities. You can't just collect unemployment while not actually seeking employment.
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Paolo Bianchi
•Good point. I am planning to look for work, but at my age it might take longer. Do they have different requirements for older workers?
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Natasha Petrov
•The work search requirements are the same regardless of age. You'll need to complete at least 3 job search activities per week and keep a log of your efforts.
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Connor O'Brien
Wait, I thought if you were collecting any kind of retirement benefits you couldn't get unemployment? This is confusing. My neighbor said she couldn't get UI because of her pension.
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Yara Assad
•Pensions and Social Security are treated differently by Washington ESD. Social Security retirement benefits don't disqualify you from unemployment, but some pensions might reduce your benefits depending on how they're structured.
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Amina Diallo
•Yeah there's definitely a difference. I had a pension from my old job and Washington ESD reduced my unemployment dollar for dollar. But Social Security is handled differently.
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GamerGirl99
Make sure you report your Social Security income correctly when you file. Washington ESD will ask about all sources of income during your initial application and on your weekly claims. Being honest upfront prevents problems later.
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Paolo Bianchi
•Should I include the full monthly amount or break it down weekly? I get paid monthly from Social Security.
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GamerGirl99
•Washington ESD typically wants weekly amounts for their calculations. You can divide your monthly Social Security by 4.33 to get the weekly amount.
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Hiroshi Nakamura
I tried to apply online but the Washington ESD website kept crashing when I got to the part about other income. Anyone else have problems with the online system?
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Isabella Costa
•Try clearing your browser cache or using a different browser. Sometimes the Washington ESD site doesn't work well with certain browsers.
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Hiroshi Nakamura
•I'll try that. This whole process is so frustrating when you're already stressed about being unemployed.
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Malik Jenkins
Just wanted to add that you might want to check if continuing to work part-time affects your Social Security benefits too. There are earnings limits if you haven't reached full retirement age yet.
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Paolo Bianchi
•I'm 63 so I think I'm still under the earnings limit rules. This is getting complicated with both programs having different rules.
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Malik Jenkins
•Definitely check with Social Security about their earnings test. You don't want to accidentally go over their limits while collecting unemployment and looking for work.
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Freya Andersen
Been there! Got laid off at 61 while getting early Social Security. Washington ESD did reduce my weekly benefit amount but I still qualified. The reduction wasn't as bad as I expected - still got about 75% of what I would have gotten without Social Security.
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Paolo Bianchi
•That's encouraging! 75% is still better than nothing while I'm job hunting.
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Eduardo Silva
•How long did it take for Washington ESD to process your claim? I'm worried about delays with the added complexity.
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Freya Andersen
•Mine took about 3 weeks which seemed normal. They had to verify my Social Security information but it wasn't a major delay.
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Leila Haddad
Don't forget you'll need to report the unemployment benefits as income on your taxes. Both Social Security and unemployment are taxable income, so make sure to keep good records.
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Paolo Bianchi
•Good reminder. I should probably set aside some money for taxes since I'll have multiple income sources this year.
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Emma Johnson
My experience was different - Washington ESD initially denied my claim because they said Social Security made me 'not available for work.' Had to appeal and explain that I was actively seeking employment. The appeal took 2 months but I eventually got approved.
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Paolo Bianchi
•That's scary! What did you do during the appeal to prove you were available for work?
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Emma Johnson
•I had to provide documentation of my job search activities and a letter explaining that my Social Security didn't prevent me from working. Eventually got it sorted out.
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Olivia Clark
•This is exactly why I used Claimyr to talk to an agent before filing. Wanted to make sure I understood all the requirements upfront to avoid appeal issues.
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Ravi Patel
Quick question - does it matter if you're getting survivor benefits vs retirement benefits? My situation is a bit different because I'm getting Social Security survivor benefits from my deceased spouse.
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Yara Assad
•Survivor benefits are generally treated the same as retirement benefits for Washington ESD purposes. You should still be eligible for unemployment with potential reduction based on the benefit amount.
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Astrid Bergström
The key thing is being honest about everything. I know someone who didn't report their Social Security and got hit with an overpayment notice later. Washington ESD eventually finds out about other income sources.
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Paolo Bianchi
•Definitely planning to be completely honest. Not worth the risk of getting in trouble later.
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PixelPrincess
•Smart approach. The penalties for not reporting income can be harsh, including having to pay back benefits with interest.
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Omar Farouk
One more thing to consider - if you find part-time work while collecting both benefits, you'll need to report those earnings to both Washington ESD and Social Security. Each program has different rules about how work affects your benefits.
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Paolo Bianchi
•Good point. I'll probably look for part-time work initially given my age, so I need to understand both sets of rules.
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Chloe Martin
Used Claimyr last month to get clarification on this exact situation. The Washington ESD agent I spoke with was really helpful in explaining how they calculate the benefit reduction. Much better than trying to figure it out from their website or waiting on hold for hours.
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Paolo Bianchi
•Seems like several people have had success with that service. Might be worth it to get the details straight before I file.
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Diego Fernández
Just to summarize for the OP - yes you can collect both, Washington ESD will likely reduce your unemployment benefits based on your Social Security amount, you still need to actively search for work, and you need to report everything honestly. The process is doable but has some complexity.
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Paolo Bianchi
•Perfect summary, thank you! This thread has been incredibly helpful. I feel much more confident about moving forward with my application.
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