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Sofia Torres

Can you collect unemployment and social security at the same time in Washington state?

I'm 63 and just got laid off from my job at a manufacturing plant after 15 years. I've been collecting Social Security early retirement benefits for about 8 months now. My neighbor said I can't file for unemployment if I'm already getting Social Security but that doesn't sound right to me. Can anyone confirm if Washington ESD allows you to collect both unemployment and Social Security benefits at the same time? I really need the extra income while I look for another job.

Yes, you absolutely CAN collect both unemployment and Social Security in Washington state! There's no law preventing it. When you file your weekly claim with Washington ESD, you'll need to report your Social Security benefits as 'other income' but it won't disqualify you from unemployment. The key is being able and available for work, which you can be even while collecting Social Security.

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That's such a relief! I was worried I'd have to choose between them. Do you know if the Social Security amount reduces my unemployment benefit dollar-for-dollar?

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No, Social Security doesn't reduce your unemployment benefits in Washington. You report it but it's not deducted from your weekly benefit amount. Just make sure you're honest about all income when filing your weekly claims.

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Your neighbor is wrong. I collected both for 6 months last year after my company downsized. Washington ESD doesn't consider Social Security as wages that would reduce your UI benefits. Just be prepared that getting through to someone at Washington ESD to confirm this can be really tough with their phone system.

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Good to know I'm not the only one in this situation! Did you have any trouble with the application process since you were already getting Social Security?

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No trouble at all. The online application asks about other benefits and I just listed my Social Security. The adjudication process was normal, took about 2 weeks to get approved.

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I had the same question when I was laid off at 64. Found out about Claimyr (claimyr.com) when I couldn't get through to Washington ESD to confirm this. They helped me reach an agent who explained the whole process. There's even a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works. Made the whole thing so much easier than trying to call for hours.

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Never heard of Claimyr before. Is it legit? I've been trying to call Washington ESD for weeks about my claim issues.

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Yeah it's totally legitimate. They basically help you get through the phone queue to actually talk to a real person at Washington ESD. Was worth it for me since I was spending hours trying to call.

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wait so social security doesn't count as income that reduces UI benefits? that seems weird to me

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Social Security is federal retirement benefits, not wages from employment. Washington state unemployment law only reduces benefits for wages earned from work, not retirement income.

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oh ok that makes sense i guess. thanks for explaining

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I'm in a similar situation but I'm 67 and collecting full Social Security. The Washington ESD website says you have to be able and available for work to collect unemployment. At my age, are they going to question whether I'm really looking for work or just trying to double-dip on benefits?

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Age discrimination in unemployment benefits would be illegal. As long as you're genuinely able and available for work and actively job searching, your age shouldn't matter. You'll need to complete your job search activities just like any other claimant.

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That makes me feel better. I definitely want to work again, just worried about age bias in the system.

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My dad was 68 when he collected unemployment after his company closed. No issues at all as long as he did his job searches and filed weekly claims properly.

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This is confusing because I thought ANY other income would reduce unemployment benefits. So pension income wouldn't reduce it either?

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Pension income is trickier - it depends on whether it's from your base period employer and how it's structured. Social Security is different because it's federal retirement benefits, not employer-based income. You'd need to check with Washington ESD about specific pension situations.

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Ugh this is getting complicated. I have a small pension from my old job plus Social Security. Sounds like I need to call Washington ESD directly.

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For anyone trying to reach Washington ESD about this, good luck with their phone system. I spent literally 4 hours on hold last week trying to get clarification on my claim status. The automated system hung up on me three times.

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SAME!! Their phone system is absolutely terrible. I've been trying for two weeks to talk to someone about my adjudication.

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This is exactly why I mentioned Claimyr earlier. They helped me skip all that phone frustration and actually get connected to someone who could answer my questions.

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Might have to look into that. This phone situation is ridiculous for people who need answers.

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Just to add another data point - I collected both unemployment and Social Security disability for a few months in 2024. Different type of Social Security but same principle - Washington ESD allowed both as long as I could still work.

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That's interesting! I didn't realize you could collect unemployment with disability benefits too.

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Yeah, as long as your disability doesn't prevent you from working and you can meet the able and available requirements, it's allowed.

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The key thing everyone's missing is that you still have to do job searches while collecting both. Washington ESD requires 3 job search activities per week regardless of what other benefits you're getting.

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Good point! I need to make sure I understand all the job search requirements before I file.

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Yeah, log into WorkSourceWA to track your activities. They're pretty strict about the job search requirements.

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this whole system is so confusing... why can't they just have clear information about what income affects benefits and what doesn't??

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I agree the system could be clearer. The basic rule is that wages from work reduce benefits, but retirement income like Social Security generally doesn't. But there are always exceptions and special cases.

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thanks that helps simplify it a bit

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Has anyone had issues with the tax implications of collecting both? I'm worried about owing a bunch at tax time.

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Both unemployment and Social Security can be taxable income depending on your total income. You might want to have taxes withheld from your unemployment benefits to avoid a big bill later.

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Good advice, I'll look into the tax withholding options when I file my claim.

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I tried calling Washington ESD about this exact question last month and finally gave up after getting disconnected 5 times. Ended up using that Claimyr service someone mentioned and actually got through to talk to someone. They confirmed you can collect both and helped me understand the reporting requirements.

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How much does Claimyr cost? I'm hesitant to pay for something that should be free from the state.

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I get that hesitation, but honestly my time is worth something too. Spent way more time trying to call for free than it would have cost me to just use the service from the start.

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Important reminder that you have to report ALL income on your weekly claims, including Social Security. Even though it doesn't reduce your benefits, failing to report it could be considered fraud.

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Absolutely! I definitely plan to report everything honestly. Don't want any issues down the road.

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Smart approach. Washington ESD can cross-reference with other agencies, so honesty is always the best policy.

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My sister is in this exact situation and she's been successfully collecting both for 4 months now. No issues at all as long as she files her weekly claims and does her job searches.

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That's reassuring to hear! Sounds like it's pretty straightforward as long as you follow the rules.

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Exactly. The hardest part was just getting accurate information at the beginning, but once she understood the process it's been smooth.

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For what it's worth, I work with a lot of older clients in similar situations and Washington state is pretty reasonable about allowing both benefits. Just make sure you understand the work search requirements and report income accurately.

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Thanks for the professional perspective! That gives me more confidence about moving forward with my claim.

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Are you a benefits counselor or something? It's nice to have expert input on these threads.

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I work in workforce development, so I deal with unemployment questions regularly. Always happy to help clarify when I can.

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Just wanted to say thanks to everyone who answered! This thread was super helpful. I'm going to file my unemployment claim this week and report my Social Security as other income. Feeling much more confident about the process now.

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You're welcome! Good luck with your claim. Hope the process goes smoothly for you.

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Glad we could help! Remember to keep good records of your job search activities and file your weekly claims on time.

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Just wanted to add that I went through this exact same situation last year at age 65. I was collecting Social Security and got laid off from my retail job after 20 years. I was so worried about losing my Social Security if I filed for unemployment, but it turns out there's absolutely no conflict between the two programs. Washington ESD processed my claim normally and I collected both benefits for about 5 months until I found a new part-time job. The only thing I had to be careful about was making sure I reported my Social Security income on every weekly claim - but like others said, it didn't reduce my unemployment benefits at all. Sofia, don't let your neighbor's confusion stop you from filing! You've earned both benefits and you're entitled to collect them while you look for work.

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