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Justin Trejo

Can I receive Washington ESD unemployment and disability benefits at the same time?

I'm really confused about whether I can collect both unemployment and disability benefits simultaneously in Washington state. I've been on unemployment for about 6 weeks after getting laid off from my warehouse job, but I've also been dealing with chronic back pain that's getting worse. My doctor is suggesting I apply for disability benefits, but I don't want to mess up my unemployment claim with Washington ESD. Has anyone been in this situation? Can you actually receive both types of benefits or do I have to choose one?

This is a tricky situation because the requirements for each benefit type conflict with each other. For unemployment, you have to be able and available to work full-time. For disability benefits, you're claiming you can't work due to your medical condition. Washington ESD requires you to be actively seeking work and able to accept suitable employment immediately.

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That's what I was afraid of. So basically I have to pick one or the other? What happens if I'm already getting unemployment and then apply for disability?

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If you apply for disability while on unemployment, you need to report it to Washington ESD immediately. They'll likely stop your UI benefits because you can't meet the able and available requirement.

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i was in similar spot last year with my knee surgery. had to stop unemployment when i filed for disability through social security. washington esd made me pay back 3 weeks of benefits because i didnt report it fast enough

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Oh no, they made you pay it back? How much trouble did you get in?

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wasnt too bad, just had to set up payment plan. but definitely report everything right away to avoid overpayment issues

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I had a nightmare trying to reach Washington ESD about this exact question last month. Spent hours on hold just to get disconnected. Finally used a service called Claimyr (claimyr.com) that got me through to an actual agent in like 15 minutes. They have this demo video that shows exactly how it works: https://youtu.be/7DieNd3C7zQ. The agent explained that you absolutely cannot receive both benefits simultaneously in Washington state.

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Never heard of Claimyr before but that sounds like a lifesaver. The Washington ESD phone system is absolutely broken.

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Thanks for the tip! I'll check that out because I definitely need to talk to someone at Washington ESD about my specific situation.

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The key thing to understand is that there are different types of disability benefits. Social Security Disability Insurance (SSDI) and unemployment are definitely incompatible. However, if you're talking about temporary state disability or workers compensation, the rules might be different. You need to specify which disability program you're considering.

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I'm looking at SSDI because my back problems are from years of warehouse work, not a specific injury. So sounds like I'd have to stop unemployment first?

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Yes, for SSDI you'd need to stop your unemployment claim. The Social Security Administration and Washington ESD share information, so they'll find out anyway.

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This whole system is so messed up! You get hurt at work for years, lose your job, and then can't even get the help you need without jumping through hoops. The government makes it impossible to survive.

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I feel you on that frustration, but the rules exist for a reason. The benefits serve different purposes - unemployment is for people who can work but can't find jobs, disability is for people who can't work at all.

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Easy to say when you're not the one struggling to pay rent while dealing with chronic pain

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Has anyone actually tried to receive both without reporting it? Just curious what happens if they find out later.

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That would be fraud and could result in serious penalties including having to pay back all benefits plus interest and fines. Not worth the risk.

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Yeah I figured it wasn't a good idea, just wondering how they'd catch it

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What about partial disability? Like if you can work limited hours due to your condition?

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For unemployment, you still need to be available for full-time work. Partial disability through SSDI has its own complex rules about work capacity and earnings limits.

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This is getting really complicated. I think I need professional advice to figure out which path makes more sense for my situation.

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My brother went through this exact situation. He had to choose between continuing unemployment or applying for disability. He chose disability because his condition was only getting worse and unemployment was temporary anyway. Best decision he made.

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How long did his disability application take? I'm worried about having no income during the waiting period.

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Took about 8 months for approval, but he got back pay from when he first applied. Definitely a tough period financially though.

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There might be other assistance programs you can apply for while waiting for disability approval. Food assistance, housing help, etc. Don't forget about those resources.

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Good point, I should look into what other programs are available. This is all so overwhelming.

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Definitely recommend calling Washington ESD to discuss your specific timeline and circumstances. When I used Claimyr to get through, the agent was really helpful in explaining exactly when I needed to stop one benefit before applying for another. They can walk you through the proper way to transition without creating problems.

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Second this recommendation. Better to get official guidance than risk making a mistake that costs you later.

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I'm definitely going to try that Claimyr service tomorrow. Need to get clear answers before I make any decisions.

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whatever u do dont try to game the system. they will find out and make ur life hell. trust me on this one

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Yeah I'm not trying to cheat anyone, just trying to understand my options legally.

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The timing of when you apply for disability matters too. If you apply while still claiming unemployment, it could affect your disability case because you're essentially claiming you can work for one program and can't work for the other.

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That's a really good point I hadn't thought about. So I should probably stop unemployment first, then apply for disability?

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That would be the cleanest approach to avoid any conflicts or questions about your work capacity claims.

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also dont forget that if u get approved for disability they might look at when ur condition started vs when u were working/claiming unemployment. could affect back pay

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This is why documentation from doctors is so important. You need clear records of when your condition became disabling vs just annoying.

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I went through something similar but with workers comp instead of regular disability. Had to stop my unemployment immediately when I filed the workers comp claim. Washington ESD doesn't mess around with overlapping benefits.

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How did you handle the gap in income while waiting for the workers comp decision?

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It was rough. Had to rely on family help and food banks for a few months. But trying to collect both would have been worse in the long run.

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Just want to add that you should keep detailed records of all your communications with both agencies. Save emails, take notes on phone calls with dates and names. Covers you if there are any disputes later.

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Great advice. I'll start documenting everything from now on.

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One more thing - if you do switch from unemployment to disability, make sure you understand how it affects your health insurance situation. Could be a gap in coverage you need to plan for.

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Oh wow, I hadn't even thought about insurance. This decision affects so many things.

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Yeah COBRA can be expensive but you might qualify for premium assistance programs during the transition.

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Bottom line is you can't collect both unemployment and disability benefits simultaneously in Washington. The requirements are contradictory - unemployment requires you to be able and available for work, disability means you can't work. Choose the one that best fits your actual situation and apply honestly.

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Thanks everyone for all the advice. I think I have enough information now to make an informed decision about which direction to go.

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Good luck with whatever you decide. Both processes can be challenging but at least now you know what to expect.

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