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Lucas Schmidt

Can I get welfare and unemployment benefits at the same time in Washington?

I'm really struggling financially and wondering if I can receive both welfare (TANF) and unemployment benefits simultaneously in Washington state. My unemployment claim was approved but the weekly amount isn't enough to cover my rent and groceries for my two kids. I heard conflicting information about whether Washington ESD allows this or if DSHS will reduce my welfare benefits dollar for dollar. Has anyone been in this situation? I don't want to mess up either benefit by not reporting correctly.

You can technically receive both, but there are important limitations. Washington ESD unemployment benefits are counted as income by DSHS, so your TANF benefits will be reduced by the amount of your weekly unemployment claim. You're required to report all income to both agencies.

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So if I get $400/week from unemployment, my TANF gets reduced by $400? That doesn't help much then.

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Exactly. The total amount might be slightly higher than just TANF alone due to different calculation methods, but don't expect to get the full amount of both benefits.

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I'm in a similar boat and it's so confusing dealing with both agencies. Washington ESD wants me to look for work but DSHS has different requirements for TANF recipients. Sometimes the job search requirements conflict with each other.

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This is super common. You have to meet both agencies' work requirements, which can be overwhelming when you're already stressed about money.

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Right! And if you mess up reporting to either one, they can both penalize you. It's like walking a tightrope.

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When I was dealing with this last year, I had such a hard time getting through to both agencies to clarify the rules. Washington ESD phone lines were constantly busy, and DSHS appointments were weeks out. I ended up using Claimyr (claimyr.com) to get through to Washington ESD faster - they have this system that calls for you and gets you connected to an actual person. There's a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works.

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How much does that cost? I'm already broke, can't afford to pay for something that should be free.

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I get being hesitant about costs when money's tight. For me, it was worth it because I was losing sleep over not being able to get answers, and the stress was affecting my job search. But definitely check out their site to see if it fits your budget.

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BE VERY CAREFUL about reporting requirements! I got overpayment notices from both agencies because I reported my unemployment to DSHS late. Even though it was only a few days, they demanded I pay back money I'd already spent on groceries.

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Oh no! How much did you have to pay back? This is exactly what I'm worried about.

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About $800 total between both agencies. I'm still paying it back in installments. Report everything immediately, don't wait!

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This happened to my sister too. The agencies don't talk to each other so you have to be the one managing all the communication.

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Food stamps (SNAP) might be a better option to supplement your unemployment if you haven't looked into that yet. SNAP benefits aren't reduced dollar-for-dollar by unemployment income like TANF is.

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I have SNAP already but it's only $200/month for me and my kids. Still not enough to make ends meet.

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Have you looked into WIC if your kids qualify by age? Also check if there are local food banks in your area to stretch the SNAP benefits further.

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The timing of when you apply matters too. If you apply for TANF after you're already receiving unemployment, they'll look at your unemployment as existing income. But if you were on TANF first, the transition might be handled differently.

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Good point. The order of application can affect how the benefits are calculated and coordinated between the agencies.

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I've been on TANF for about 2 months already, then got approved for unemployment last week. So unemployment is the new addition.

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honestly this whole system is set up to make it impossible for people to actually get help. you jump through hoops for both agencies and end up with barely more money than if you just had one benefit. its ridiculous

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I feel this so much. The amount of paperwork and appointments just to get basic help is exhausting when you're already struggling.

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And God forbid you make a mistake on any of the forms. They act like you're trying to commit fraud when you're just trying to survive.

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Make sure you understand the time limits too. TANF has a 60-month lifetime limit in Washington, and unemployment benefits have their own duration limits. Plan accordingly so you're not caught off guard when either one ends.

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Wait, there's a lifetime limit on TANF? I didn't know that. How do they track that if you move between states?

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Yes, 60 months total. They track it federally, so it follows you between states. There are some exceptions for hardship cases but they're hard to get approved.

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One thing that helped me was keeping a detailed log of all my communications with both agencies. Dates, times, who I talked to, what was discussed. When there were discrepancies later, having that record saved me from losing benefits.

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This is excellent advice. I wish I'd done this from the beginning instead of trying to remember everything in my head.

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Good idea. I'll start a notebook today. Do you recommend any particular way to organize it?

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I just used a simple spiral notebook with dates and kept it chronological. Nothing fancy, but it was a lifesaver during my overpayment dispute.

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Check if your county has any emergency assistance programs too. Some have utility assistance or rent help that doesn't affect your other benefits. Every little bit helps when you're trying to make ends meet.

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I hadn't thought of county programs. Do you know how to find out what's available in King County?

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Try calling 211 or visiting their website. They have a database of local assistance programs and can help you figure out what you might qualify for.

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Just want to echo what others said about reporting immediately. I report my unemployment to DSHS the same day I file my weekly claim with Washington ESD. I set up reminders on my phone so I don't forget. Better safe than sorry with overpayment issues.

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Smart system. I wish I'd been that organized from the start instead of learning the hard way.

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That's a good routine. I'll try to do the same - report to DSHS right after I do my weekly unemployment claim.

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The job search requirements can be tricky to navigate with both programs. Washington ESD requires 3 job contacts per week, but TANF might have additional work activity requirements through WorkFirst. Make sure your activities count for both programs when possible.

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Exactly. Some activities like job training or education can satisfy requirements for both programs, but you need to get approval in advance.

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This is getting complicated. Is there someone who can help coordinate between the two programs or do I have to manage it all myself?

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Unfortunately you mostly have to manage it yourself. The agencies don't coordinate well. Some people have luck with asking for a supervisor at each agency to help clarify conflicts.

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been there done that with both programs. the key is staying on top of all the deadlines and requirements. miss one thing and both agencies will come after you. its stressful but doable if you stay organized

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the fact that we have to be perfectly organized while dealing with the stress of being poor and unemployed is just cruel

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totally agree its messed up. but complaining doesnt pay the bills so you gotta work the system as it is

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I should mention that if your unemployment benefits are high enough, you might not qualify for TANF at all once they count the unemployment as income. TANF has pretty low income limits, especially for families. You'd still keep the unemployment obviously, just might not be eligible for additional cash assistance.

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My unemployment is $380/week. Do you think that's too high to still get TANF? I have two kids.

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That's about $1,520/month which might put you over the TANF limit depending on your other income and expenses. DSHS can give you the exact calculation based on your situation.

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Another consideration is that being on TANF might affect your ability to turn down job offers while on unemployment. TANF recipients have different rules about 'suitable work' that might conflict with unemployment insurance requirements.

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This is really important. The two programs can have conflicting definitions of what jobs you're required to accept.

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So I could get penalized by one agency for following the other agency's rules? That seems impossible to navigate.

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It's rare but it can happen. If you get a job offer, check with both agencies about whether you're required to accept it before making a decision.

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If you do end up needing to contact Washington ESD frequently to clarify how your benefits interact with TANF, I'd definitely recommend checking out that Claimyr service I mentioned earlier. When you're dealing with two bureaucracies, being able to actually talk to someone at Washington ESD when you need to can prevent a lot of problems down the road.

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I looked into this after your earlier comment and it actually seems legit. Better than spending hours on hold or getting hung up on.

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Maybe I'll try it if I run into problems. Right now I'm just trying to get everything set up correctly from the start.

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Don't forget about the tax implications too. Both unemployment and TANF can affect your tax situation differently. Unemployment is taxable income, TANF usually isn't. Keep records for tax time.

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Ugh, taxes. I hadn't even thought about that part yet. Is there free tax help available for people in our situation?

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Yes, look into VITA programs - they provide free tax preparation for lower income people. Usually available at libraries and community centers during tax season.

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My advice is to start with just the unemployment if you qualify and see how far that gets you before adding the complexity of TANF. Sometimes the hassle isn't worth the small additional benefit you might get after the income reduction.

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That's probably smart. I'm already on TANF though, so now I'm trying to figure out how to handle the unemployment addition.

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Since you're already on TANF, definitely report the unemployment right away. Don't wait to see how it affects things.

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The childcare assistance might be worth looking into too if you're not already getting it. Both programs might help with childcare costs while you're job searching, and that could free up more of your cash benefits for other needs.

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I do get some childcare help through DSHS but it's not enough to cover full-time care. Do you know if unemployment affects childcare assistance eligibility?

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It might increase your copay since it's income-based, but you should still qualify for some assistance. Definitely ask your DSHS worker about it.

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Just remember that both programs are temporary. Focus on using them as a bridge to get back on your feet rather than a long-term solution. The job search requirements from both programs can actually help push you toward employment even when it feels overwhelming.

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easy to say when youre not the one trying to find work while taking care of kids and dealing with two different agencies breathing down your neck

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You're right, I didn't mean to minimize how hard it is. I just meant that the end goal is getting stable employment that makes both programs unnecessary.

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I know it's temporary. I'm definitely trying to find work. It's just hard to focus on job searching when I'm stressed about keeping the lights on.

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I went through this exact situation about 8 months ago with two kids and it was honestly a nightmare to navigate at first. Here's what I learned: Yes, you can get both but your TANF will be reduced almost dollar for dollar by your unemployment amount. The small silver lining is that you might end up with maybe $50-100 more total per month than just TANF alone due to how they calculate deductions, but it's not much. The real benefit for me was that unemployment lasted longer than TANF would have. My biggest mistake was not reporting my first unemployment payment to DSHS immediately - I waited a week thinking it wouldn't matter and ended up with a $300 overpayment notice. Now I report everything the same day I receive it. Also, keep detailed records of every single interaction with both agencies. I started a simple notebook with dates, times, and what was discussed, and it saved me during a benefits review. The job search requirements from both programs are exhausting but try to make your activities count for both whenever possible. Hang in there - it gets easier once you figure out the routine, and hopefully you'll find work soon and won't need either program.

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Thank you so much for sharing your experience! This is exactly what I needed to hear from someone who's actually been through it. The $50-100 extra per month isn't much but every little bit helps when you're this tight on money. I'm definitely going to start that notebook system today and make sure I report my unemployment payment to DSHS immediately this week. It's reassuring to know that even though it's complicated, other people have made it work. How long did it take you to find employment after dealing with both programs?

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I've been dealing with this exact situation for the past few months and wanted to share some practical tips that have helped me manage both programs. First, create a simple tracking system - I use a calendar where I mark my unemployment filing days and DSHS reporting deadlines so nothing gets missed. Second, when you call either agency, always ask for a case number or confirmation number for your conversation and write it down. Third, if you're struggling to reach Washington ESD by phone, consider their online messaging system through eServices - sometimes you get faster responses that way. The most important thing I learned is to never assume the agencies talk to each other. You have to be your own advocate and make sure both sides have the same information. It's frustrating and time-consuming, but it's doable once you get into a routine. Also, don't be afraid to ask for supervisors if you get conflicting information from different workers - I've had to do this several times to get clear answers about reporting requirements.

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This is really helpful practical advice! I especially like the calendar idea for tracking deadlines - I can see how easy it would be to miss something when you're juggling both programs. The tip about asking for case numbers is smart too. I've already had one confusing call where the person told me something different than what I'd heard before, so having that documentation would have been useful. Do you know if there's a specific day of the week that's better for calling either agency, or are they pretty much swamped all the time? I'm trying to figure out the best strategy for getting through when I need help.

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