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Tami Morgan

Can freelancers get unemployment benefits through Washington ESD?

I've been doing freelance graphic design work for the past 2 years but most of my clients have dried up since the economy got tough. I'm wondering if I can apply for unemployment benefits through Washington ESD? I know I haven't been paying into the system like regular employees, but I'm struggling to find new clients and need some income support. Has anyone here successfully gotten UI benefits as a freelancer or independent contractor?

Unfortunately, traditional freelancers and independent contractors usually don't qualify for regular unemployment insurance in Washington because you haven't been paying into the system. You'd need to have W-2 employment history with wages reported to Washington ESD.

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That's what I was afraid of. I did have some part-time W-2 work last year though - would that count for anything?

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Yes! If you had W-2 employment within the base period (first 4 of last 5 completed quarters), you might qualify. You'd need to meet the minimum wage requirements though.

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I was in a similar situation last year. Had to call Washington ESD multiple times to get clarification on my mixed employment history. The phone lines are absolutely brutal - spent hours on hold just to get disconnected.

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ugh tell me about it, I've been trying to reach them for weeks about my adjudication

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Have you tried using Claimyr? I found it through a YouTube demo (https://youtu.be/7DieNd3C7zQ) and it actually got me through to a Washington ESD agent in under 30 minutes. Way better than the endless hold times. Check out claimyr.com - totally worth it when you need to talk to someone about complex employment situations.

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Never heard of that service but honestly anything is better than the regular phone nightmare

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The key thing is whether you have sufficient wages from covered employment. Washington ESD looks at your base period wages, not your freelance income. If you had any regular employment that paid into the UI system, you might qualify based on those wages alone.

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I worked part-time at a marketing agency for about 8 months last year. Made around $18,000 from that job. Would that be enough?

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That might work! Washington requires at least $1,000 in wages in your base period, plus wages in at least two quarters. You'd need to file a claim to see if you meet all requirements.

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just apply anyway, worst they can say is no right? the system is so messed up who knows what they'll approve these days

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That's not great advice. Filing a claim you don't qualify for can create issues later. Better to understand the requirements first.

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fair enough but the rules are so confusing anyway

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I'm a freelance writer and ran into this same problem. Even though I make decent money some months, the irregular income makes it impossible to plan. Washington ESD told me I needed traditional employment history to qualify.

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Did you ever find any other assistance programs for freelancers?

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Not really. There are some local small business resources but nothing like unemployment insurance. The gig economy really needs better safety nets.

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When I finally got through to Washington ESD about my mixed employment situation, they were actually pretty helpful. The agent walked me through exactly which wages counted and which didn't. My 1099 income didn't count but my part-time retail job did.

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How long did it take to get someone on the phone?

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That's the thing - I used that Claimyr service someone mentioned earlier. Got through in like 20 minutes instead of the usual 3+ hour wait times. Totally worth it for complex questions like this.

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FREELANCERS GET SCREWED BY THIS SYSTEM!!! We pay taxes but can't get benefits when we need them. Meanwhile regular employees get laid off and immediately qualify. It's not fair.

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I understand the frustration, but the system is based on employer/employee contributions. Freelancers haven't been paying into the unemployment insurance fund.

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Then they should create a system where we CAN pay in if we want to!

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Some states are exploring portable benefits for gig workers, but Washington doesn't have that yet.

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Update: I looked up my wages from last year and I think I might actually qualify! Going to try filing a claim this week. Thanks everyone for the advice about needing W-2 employment history.

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Good luck! Make sure you have all your employment documentation ready when you file.

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If you run into any issues during the filing process, that Claimyr service can help you reach Washington ESD agents quickly. Really useful for getting questions answered in real time.

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Been freelancing for 5 years and never qualified for unemployment. The few times I had W-2 work, I didn't make enough to meet the requirements. It's a tough situation.

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What do you do when work is slow? Any other resources?

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Emergency assistance programs, food banks, sometimes family help. Not great options but better than nothing.

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my sister is a freelance photographer and she got unemployment last year but only because she had worked at a studio for a few months. so it's definitely possible if you have the right employment history

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That gives me hope! I'm going to file tomorrow and see what happens.

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For anyone reading this thread later: the key factors for freelancers are 1) having W-2 wages in your base period, 2) meeting minimum wage requirements, and 3) being able and available for work. Your 1099 freelance income won't count toward eligibility, but traditional employment will.

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This is exactly right. Also remember that if you're approved, you'll still need to do job searches and be available for suitable work.

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The job search requirement is tricky for freelancers. Do they expect you to look for traditional employment or can you look for freelance clients?

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Generally you need to look for suitable employment similar to your past work. If your base period wages were from traditional employment, you'd typically need to search for similar positions.

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Just want to add that even if you don't qualify for regular UI, there might be other assistance programs available. Don't give up if your claim gets denied.

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What kind of other programs?

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SNAP, TANF, emergency rental assistance, utility help. Each has different requirements but worth checking into.

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this whole thread is making me realize I need to keep better track of my employment history. I do freelance work but also pick up random part-time jobs and I have no idea if I'd qualify for anything

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You can request your wage history from Washington ESD to see exactly what's been reported. That's the best way to know if you'd qualify.

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If you need help interpreting your wage history or filing a claim, using Claimyr to talk to a Washington ESD agent can really clarify things. Much easier than trying to figure it out from the website alone.

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The pandemic really highlighted how broken the system is for gig workers. Hopefully that leads to some changes eventually.

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PUA was supposed to help but that's long gone now. Back to the same old problems.

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PUA was a temporary federal program. The regular state UI system hasn't changed much for independent contractors.

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Final update: I filed my claim and it's under review! They're looking at my wages from the marketing agency job. Fingers crossed it works out. Thanks to everyone who helped explain how this works.

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Hope it goes smoothly! The adjudication process can take a few weeks but sounds like you have a good chance.

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Keep checking your account regularly and respond quickly to any requests for information. That helps speed up the process.

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Good luck! Let us know how it turns out - would be helpful for other freelancers in similar situations.

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That's awesome news! I'm in a similar boat - mostly freelance but had some contract work last year. Your experience gives me hope that it might be worth applying. Did you have to provide any special documentation about your freelance work, or did they only care about the W-2 wages from the marketing agency?

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They only asked about the W-2 wages! I didn't need to provide any documentation about my freelance income at all. They just verified my employment at the marketing agency and the wages that were reported to Washington ESD. The freelance work was completely separate from the eligibility determination. Definitely worth applying if you had any traditional employment in your base period!

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