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TommyKapitz

Can you collect Washington ESD unemployment if you take early retirement?

I'm 62 and considering taking early retirement from my job at Boeing, but I'm wondering if I'd still be eligible for unemployment benefits through Washington ESD afterward? My pension wouldn't kick in until I'm 65, so I'd need some income to bridge the gap. Has anyone been in this situation? I know there are rules about being able and available for work, but I'm not sure how early retirement affects eligibility.

This is a tricky situation. Generally, if you voluntarily retire, Washington ESD considers that quitting without good cause, which would disqualify you from UI benefits. The key issue is whether you're truly available and actively seeking work.

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So even though I'd be willing to work somewhere else, the fact that I chose to retire would disqualify me?

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That's usually how it works. Washington ESD looks at why you left your job, not just your current availability.

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I went through something similar last year. If you're getting any kind of pension or retirement income, that can also affect your weekly benefit amount even if you do qualify.

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But I wouldn't be getting pension payments until 65, so there wouldn't be any retirement income to report right away.

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You might want to look into whether your situation could qualify as a layoff instead of retirement. Sometimes companies offer early retirement packages that are essentially layoffs with benefits. If that's the case, you'd have a better chance with Washington ESD.

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It's not a layoff situation - just me choosing to retire early. But thanks for the suggestion.

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Even if it's voluntary retirement, if you're genuinely looking for work afterward, some people have successfully argued their case.

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I had to deal with Washington ESD on a complicated eligibility issue last month and couldn't get through on the phone for weeks. Finally used this service called Claimyr (claimyr.com) that helped me actually reach an agent. They have a demo video at https://youtu.be/7DieNd3C7zQ showing how it works. Might be worth checking out if you need to discuss your specific situation with Washington ESD directly.

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Thanks, I'll look into that. Getting through to Washington ESD by phone seems impossible these days.

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Never heard of Claimyr but anything that helps with those phone lines sounds useful.

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honestly the whole system is set up to screw over older workers anyway. they say you have to be available for work but then no one wants to hire someone over 60

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Age discrimination is real, but Washington ESD still requires you to actively search for work and be genuinely available.

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yeah i know the rules, just saying its frustrating

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The able and available requirement is crucial here. You'd need to prove you're actively job searching and would accept suitable work if offered. If you're mentally checked out and just waiting for full retirement, Washington ESD will probably deny your claim.

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I would definitely be looking for work - I need the income. It's not like I'm independently wealthy.

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Then you might have a case, but you'll probably need to appeal an initial denial and explain your circumstances.

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My neighbor tried this exact thing two years ago. Washington ESD denied him initially because he voluntarily retired, but he appealed and eventually got benefits after proving he was actively job hunting.

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How long did the appeal process take? I'm worried about the gap in income.

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I think it was about 6-8 weeks total, but he did get back pay once it was approved.

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Wait, are you talking about Social Security early retirement or just leaving your job early? Because if you're collecting Social Security, that definitely affects UI eligibility.

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Just leaving my job early - wouldn't claim Social Security until later.

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Good clarification. Social Security benefits can reduce your weekly UI amount.

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I work in HR and see this question a lot. The key is documenting that you're genuinely seeking work. Keep detailed job search logs, apply to positions regularly, and be prepared to show Washington ESD you're serious about finding employment.

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That's helpful advice. How many job applications per week would I need to show I'm actively searching?

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Washington ESD requires at least 3 job search activities per week, but I'd recommend doing more to strengthen your case.

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This happened to my dad when he took early retirement from Microsoft. He got denied initially but his appeal was successful because he could prove financial hardship and genuine work availability.

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Did he have to provide specific documentation for the financial hardship?

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Yeah, bank statements, bills, stuff showing he needed income and couldn't actually afford to just be retired.

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boeing has been doing a lot of layoffs lately, are you sure this isnt being presented as early retirement when its really a layoff? that would change everything

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No, this would be my choice entirely. No layoffs in my department currently.

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Just wanted to follow up on the Claimyr thing I mentioned earlier - I actually used it again yesterday to clarify some job search requirements and got through to an agent within an hour. Much better than the usual endless hold times with Washington ESD.

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How much does something like that cost though?

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It was worth it for me given how much time I was wasting trying to call normally, but you can check their site for current info.

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The bottom line is Washington ESD will likely deny you initially, but if you're genuinely available for work and can prove financial need, an appeal might be successful. Just be prepared for a fight and have your documentation ready.

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Thanks everyone for the input. Sounds like I need to really think through whether I'm prepared for the hassle of an appeal process.

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Also consider consulting with an employment attorney if the stakes are high enough. Some specialize in unemployment appeals.

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whatever you decide, make sure you understand all the rules before you file. washington esd is super strict about eligibility and they'll find any reason to deny claims

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Good point. I'll definitely do more research before making any decisions.

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I've been following this thread and wanted to add that the timing of when you file can matter too. If you file immediately after retirement, it looks more like you just want benefits. If you wait and show you've been job searching first, it might help your case.

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Interesting point. So maybe start job hunting right after retirement and then file for UI a few weeks later?

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That's what I would consider, but obviously you want to file as soon as you're eligible if you need the income.

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My experience with early retirement and UI was a nightmare. Even after winning my appeal, it took months to get the money. Just be prepared for a long process if you go this route.

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That's concerning. How long total from filing to actually receiving benefits?

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About 4 months total, but I got back pay for the whole period once it was approved.

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Has anyone mentioned checking if Boeing offers any bridge programs or COBRA extensions that might be better than trying to get UI? Sometimes employer benefits are more reliable.

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Good suggestion. I should definitely explore all my options with HR before making any final decisions.

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Final thought - if you do decide to pursue this, document everything from day one. Every job application, every contact with Washington ESD, every piece of correspondence. You'll need it all if you have to appeal.

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Great advice. Thanks to everyone who shared their experiences and suggestions.

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Good luck with whatever you decide. Early retirement decisions are never easy.

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