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Hunter Brighton

Can a retired person apply for unemployment in Washington ESD?

I'm 67 and officially retired from my job last month, but I'm realizing I need to work part-time to make ends meet. My neighbor said I might be able to get unemployment benefits while I look for a new job. Is this actually possible? I thought retirement meant you couldn't file for unemployment. Has anyone been in this situation with Washington ESD?

Actually yes, you can apply for unemployment even if you're retired! The key is that you have to be able and available for work. Washington ESD doesn't care about your retirement status - they care whether you're actively seeking employment and can accept a job if offered.

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That's encouraging! Do I need to prove I'm looking for work even though I'm 67?

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Yes, you'll need to do the weekly job search requirements just like everyone else. Usually 3 job contacts per week logged in WorkSourceWA.

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Wait, I thought if you took early retirement or any kind of retirement package you couldn't get UI benefits? I'm confused about this.

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It depends on how you left your job. If you voluntarily quit to retire, that might disqualify you. But if you were laid off and then decided to 'retire' afterward, that's different.

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I was actually laid off due to company downsizing, but I told people I was retiring because I was embarrassed. Does that matter?

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I had a really hard time getting through to Washington ESD to ask about this exact situation. Took me weeks of calling. If you're having trouble reaching them, I found this service called Claimyr (claimyr.com) that helped me get connected to an actual agent. They have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works.

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How much does something like that cost? I'm trying to be careful with money right now.

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It was worth it for me because I was getting nowhere with the regular phone system. Saved me hours of frustration.

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The tricky part about retirement and unemployment is the 'able and available' requirement. You have to genuinely be seeking work and able to start immediately if offered a job. If you're on Social Security or have other retirement income, make sure to report it correctly on your weekly claims.

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I haven't started Social Security yet, but I do have a small pension. Do I need to report that?

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Yes, any pension income needs to be reported on your weekly claims. Washington ESD will deduct it from your benefits.

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This is exactly why I haven't filed yet. The reporting requirements seem so complicated for retirees.

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my dad went through this same thing last year!! he was 65 and got laid off but everyone kept saying he was retired. Washington ESD approved his claim no problem once he explained he was still looking for work

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That's really reassuring! Did he have any issues during the application process?

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not really, just had to be clear about wanting to work and actively job searching. took about 3 weeks to get his first payment

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The age discrimination thing is real though. At 67, you might face challenges finding employers willing to hire you, which could affect your job search documentation. Make sure you're applying to realistic positions and keeping good records for Washington ESD.

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That's a good point. Should I be applying for jobs that I'm overqualified for?

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Yes, absolutely. Washington ESD wants to see you're making a genuine effort. Apply for anything you'd realistically accept.

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I think there might be special rules about retirement benefits affecting UI eligibility but I'm not sure exactly what they are. Someone mentioned pension reporting?

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Right, if you receive pension payments, Washington ESD typically deducts that amount from your weekly benefit. So if your UI would be $400/week but you get $150 in pension, you'd only receive $250 from unemployment.

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My pension is only about $800/month, so that shouldn't eliminate my benefits entirely, right?

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One thing to watch out for - if you voluntarily retired and took any kind of severance or retirement incentive package, Washington ESD might consider that a voluntary quit. But if you were laid off first and then decided to call it retirement, that's different.

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I was definitely laid off first. The company eliminated my entire department. I only started using the word 'retired' afterward because it sounded better than 'unemployed at 67.

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Then you should be fine! Just be honest about the layoff when you file your claim.

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The system is so confusing for older workers! I've been trying to figure out if my 401k withdrawals count as income too. Everything seems designed for younger people.

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401k withdrawals generally don't count as wages for UI purposes, but definitely report them to be safe. Better to over-report than get caught in an overpayment situation.

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Good point. I'd rather be safe than sorry with Washington ESD.

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Another vote for using Claimyr if you need to talk to someone at Washington ESD about the retirement/unemployment question. I used it twice and both times got through to knowledgeable agents who could answer specific questions about my situation.

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Is that service legit? Seems too good to be true.

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Totally legit. They just help you get through the phone queue. You still talk directly to Washington ESD staff.

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What about Medicare? I'm on Medicare now - does that affect anything with unemployment benefits?

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Medicare shouldn't affect your UI eligibility at all. That's completely separate from unemployment insurance.

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Thanks, that's one less thing to worry about!

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Just remember you have to be GENUINELY looking for work. Don't just go through the motions. Washington ESD can audit your job search activities and if they think you're not serious about finding employment, they can disqualify you.

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I really do want to work part-time. The retirement income isn't enough to cover my expenses.

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That's exactly the right attitude. Just document everything you do in your job search.

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Has anyone dealt with the WorkSourceWA website for job searches? It seems like it's mostly geared toward younger workers looking for full-time careers.

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You can filter for part-time positions and there are often retail, customer service, and administrative roles that work well for older workers.

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I'll try those filters. Thanks for the tip!

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Make sure when you file to be very clear about your work history and that you were laid off, not that you chose to retire. The language you use matters with Washington ESD adjudicators.

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Should I mention that I'm open to part-time work, or does that hurt my chances?

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Definitely mention you're open to part-time work! That shows you're flexible and genuinely seeking employment.

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The thing about pension deductions - make sure you understand exactly how Washington ESD calculates it. Sometimes they get it wrong and you have to appeal.

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How would I know if they calculated it wrong?

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Check your benefit determination letter carefully. If the math doesn't look right, call them or file an appeal within 30 days.

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I'm in almost the same situation but I'm 62. Reading through these responses is really helpful. Sounds like age itself isn't the issue, it's about proving you're actually looking for work.

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Exactly! I feel much better about applying now.

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Good luck with your application! I think I'm going to file mine this week too.

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One more thing - if you do get approved, remember that unemployment benefits are taxable income. You might want to have taxes withheld or set money aside for tax time.

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Good point. I forgot about the tax implications.

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Yeah, Washington ESD can withhold 10% for federal taxes if you request it when you file your weekly claims.

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Bottom line - file your claim! Worst case they deny it and you appeal. Best case you get benefits while you look for part-time work. You paid into the system, so you deserve to use it when you need it.

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You're right. I've been overthinking this. I'm going to file this weekend.

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That's the spirit! Good luck with everything.

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If you run into any issues with the application or need to talk to Washington ESD about your specific retirement situation, definitely consider using that Claimyr service someone mentioned earlier. Saved me a lot of headache when I had questions about my claim.

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I'll keep that in mind if I get stuck. Thanks everyone for all the helpful advice!

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You're welcome! Hope everything works out for you.

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This whole thread has been really informative. I had no idea retired people could apply for unemployment benefits. Learn something new every day!

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Same here! I almost didn't ask because I assumed the answer would be no.

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So glad you did ask. This information could help a lot of people in similar situations.

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