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Sean Flanagan

Can self employed get unemployment benefits through Washington ESD?

I've been running my own small landscaping business for the past 2 years but work has completely dried up this winter. A friend told me that self-employed people might be able to get unemployment now but I thought that wasn't possible? Does anyone know if Washington ESD covers self-employed workers or independent contractors? I'm really struggling to pay my bills and could use some help figuring out if I qualify for anything.

Self-employed workers generally can't get regular unemployment benefits in Washington state. The traditional UI system requires you to have worked for an employer who paid unemployment taxes on your behalf. Since you're self-employed, you haven't been paying into the system.

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That's what I thought. So there's really no option for people like me?

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Actually, there might be some options depending on your specific situation. If you had any W-2 employment in addition to your self-employment in the past 18 months, you could potentially qualify for regular UI benefits based on those wages. Also, some self-employed people can elect to pay into the unemployment system voluntarily.

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I did work part-time at a garden center last spring for about 3 months. Would that count?

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Yes! That W-2 employment could make you eligible. You'll need to file a claim and Washington ESD will determine if you have enough qualifying wages from that job.

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I was in a similar situation last year and had trouble getting through to Washington ESD to ask questions about my eligibility. The phone lines are always busy and it's frustrating when you need answers. I ended up using Claimyr (https://claimyr.com) to get connected to an actual agent. They have this video demo that shows how it works: https://youtu.be/7DieNd3C7zQ. Really helped me get my questions answered without spending hours on hold.

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How does that work exactly? I've been trying to call for days.

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Basically they handle the calling and waiting for you, then connect you when an agent is available. Saved me so much time and stress.

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The key thing is that Washington ESD looks at your base year wages from W-2 employment, not self-employment income. If you worked that garden center job from say March to May 2024, those wages would be in your base year and could qualify you for benefits.

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I think I made around $4,500 at that job. Is that enough to qualify?

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You need at least $5,265 in your entire base year to qualify, but it depends on when exactly you worked. The base year is usually the first four of the last five completed quarters before you file.

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Wait I'm confused about this base year thing. Can someone explain it in simpler terms?

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Think of it like this - if you file your claim in January 2025, your base year would be October 2023 through September 2024. Washington ESD looks at all your W-2 wages during that period.

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Ok that makes more sense, thanks!

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So I should definitely apply then? Even though most of my income was self-employment?

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Yes, definitely apply. The worst they can do is deny you, but if you have qualifying W-2 wages you might be surprised. Just be honest about both your W-2 work and self-employment when you file.

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I had a similar situation with my freelance writing business. I applied thinking I wouldn't qualify but actually got approved based on some part-time work I'd forgotten about. Don't assume you won't qualify!

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That's encouraging! How long did it take to find out if you were approved?

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About 2 weeks for me, but it can vary depending on if they need to verify your wages or if there are any issues with your claim.

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Just remember that while you're collecting unemployment, you'll need to be able and available for work. Running your landscaping business might complicate that requirement.

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What do you mean exactly? I can't do any self-employment work at all?

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You can do some self-employment work, but you have to report any income and it will reduce your weekly benefit amount. Plus you still need to be actively looking for W-2 employment.

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The job search requirement is key. You'll need to do at least 3 job search activities per week and keep a log. Since you were in landscaping, you might want to look for related W-2 jobs at nurseries, landscaping companies, etc.

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That actually sounds doable. There are several landscaping companies around here that might be hiring for spring.

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One more thing - when you file your initial claim, make sure you have all your employment information ready including dates of employment and employer contact info for that garden center job. Washington ESD will need to verify those wages.

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Good point. I should probably gather all that paperwork before I apply.

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Exactly. Having everything organized upfront will make the process smoother.

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If you run into any issues during the application process or have questions come up, definitely consider using that Claimyr service I mentioned earlier. Getting actual guidance from a Washington ESD agent can be really helpful, especially for mixed employment situations like yours.

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I'll keep that in mind. Thanks for all the help everyone!

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Good luck with your claim! Even if the benefit amount isn't huge based on part-time wages, every little bit helps when you're struggling.

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Absolutely. Any help would be appreciated right now.

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Just curious - are you planning to keep your landscaping business going or transition back to W-2 work? That might affect your long-term strategy.

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I'd like to keep the business but maybe supplement with part-time employment for more stability. This slow season really caught me off guard.

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That sounds like a smart approach. Having that W-2 income will also help you qualify for unemployment in the future if needed.

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Don't forget that if you do qualify, you'll also need to file weekly claims every week to continue receiving benefits. It's pretty straightforward but you can't miss weeks or you'll lose benefits.

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How does that work exactly? Is it online?

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Yes, you can file your weekly claims online through the Washington ESD website. Just answer questions about your job search activities and any work or income for that week.

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The system has gotten better over the years but can still be confusing. Don't hesitate to reach out for help if you get stuck on anything during the process.

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Will do. This thread has been incredibly helpful already.

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One last tip - when you're doing your job search activities, make sure to keep detailed records. Washington ESD can audit your job search log and you want to have proof of your activities.

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What kind of proof do they need?

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Company names, contact info, dates you applied, method of application. Keep it all documented in case they ask.

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Sounds like you have a solid plan. File that claim and see what happens! The worst case is they say no, but you might be pleasantly surprised.

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Thanks everyone. I'm going to gather my paperwork and file this week.

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Good luck! Let us know how it goes. Your situation might help other self-employed folks who find this thread.

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Definitely will update once I hear back from Washington ESD.

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Hope it works out for you. The landscaping business can be tough with seasonal fluctuations but having that backup W-2 work history was smart.

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I didn't even think about it at the time but glad I took that garden center job now!

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This whole discussion has been really informative. I had no idea self-employed people could potentially qualify under certain circumstances.

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It's definitely not widely known. The key is having that W-2 employment history to fall back on.

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Thanks for asking this question OP. I'm in a similar boat with my photography business and part-time retail work. This gives me hope I might qualify too.

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Definitely worth looking into! Good luck if you decide to apply.

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Thanks! I'll probably use that Claimyr service too if I need to talk to someone at Washington ESD.

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