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Megan D'Acosta

Can you collect unemployment if you are on social security disability in Washington?

I'm currently receiving Social Security Disability benefits and was wondering if I can also apply for unemployment through Washington ESD. My disability allows me to work part-time (under the SGA limit) but I lost my job last month due to company downsizing. I'm able and available to work within my limitations. Has anyone been in this situation before? Do the benefits conflict with each other?

Yes, you can potentially collect both, but there are strict requirements. For Washington ESD unemployment, you must be able and available for work, which means you need to meet their work search requirements despite your disability status. The key is proving you can perform suitable work.

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That's what I was hoping to hear. Do you know if Washington ESD has any special accommodations for disabled workers during the job search process?

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They do have accommodations available. You can request modifications to your job search requirements through WorkSourceWA, and they'll work with you based on your specific limitations.

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Be careful about the earnings limits though. If you're on SSDI, you have the SGA limit to worry about, and unemployment benefits count as unearned income. You'll need to report your UI benefits to Social Security Administration.

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Good point. I'll make sure to report everything properly. Do you know if the unemployment amount affects the SSDI calculation?

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Unemployment benefits themselves don't reduce SSDI since they're not earned income, but if you start working again, that's when SGA limits matter.

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I was in a similar situation last year. The hardest part was getting through to Washington ESD to explain my circumstances. Took me weeks of calling before I could actually talk to someone who understood disability and unemployment interactions.

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Oh no, that sounds frustrating. Were you eventually able to get your claim approved?

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Yes, but it took almost two months because they had to review my case for the able and available requirement. Worth it in the end though.

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If you're having trouble reaching Washington ESD agents, I found this service called Claimyr that helps you get through their phone system. They have a demo at https://youtu.be/7DieNd3C7zQ and the site is claimyr.com. Really helped me when I was stuck in adjudication.

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Wait, I thought if you're on disability, you automatically can't work? I'm so confused about all this.

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That's a common misconception. SSDI has trial work periods and substantial gainful activity limits that allow some work. It's not all or nothing.

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Oh wow, I had no idea. So you can work part-time and still get disability?

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Yes, as long as your earnings stay under the SGA limit, which is $1,550 per month for 2025 for non-blind individuals.

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Make sure you document everything with Washington ESD about your work limitations. They need to understand exactly what kind of work you can and cannot do for the able and available determination.

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That's smart advice. Should I get documentation from my doctor about my work capabilities?

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Absolutely. Having medical documentation that clearly states your work limitations and abilities will help with your unemployment claim.

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This whole system is so complicated! Why can't they just make it simple - if you need help, you get help!

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I feel you on that. The bureaucracy is insane.

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It is complex, but the rules exist to prevent fraud while ensuring people who legitimately need help can get it.

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I've been on SSDI for three years and just started a part-time job. My case worker told me I could potentially get unemployment if I lose the job, as long as I'm still under SGA limits and can prove I'm able to work.

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That's encouraging! Did they explain how the job search requirements work with disability limitations?

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They said WorkSourceWA can modify the requirements based on your disability. You still have to search, but they adjust expectations to your capabilities.

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One thing to watch out for - some states offset unemployment benefits if you receive other government benefits, but Washington doesn't do that with SSDI as far as I know.

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That's good to know! So I wouldn't see a reduction in either benefit?

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Correct, Washington ESD doesn't offset unemployment benefits for SSDI recipients. You'd receive both full amounts if eligible.

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The ticket to work program might also be relevant here. If you're participating in that, it could affect how both benefits work together.

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I haven't looked into ticket to work yet. Is that something I should consider?

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It's worth exploring. It gives you more flexibility to work while keeping your SSDI safety net.

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My brother went through this exact situation. The key was being very clear with Washington ESD about what accommodations he needed for job searching and what types of work he could realistically do.

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How did that work out for him? Was Washington ESD accommodating?

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Once he got through to the right person, yes. Took a while though - the phone system is a nightmare.

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That's exactly why I mentioned Claimyr earlier. Getting through to Washington ESD is the biggest hurdle for most people.

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Don't forget you'll need to report your unemployment benefits on your SSA work report if you're doing trial work periods.

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Good reminder. I'll make sure to keep track of everything for reporting purposes.

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I'm dealing with something similar but with workers comp instead of SSDI. The coordination of benefits is so confusing.

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Workers comp has different rules than SSDI. You might want to check with Washington ESD about offset requirements for workers comp benefits.

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Yeah, I think workers comp does get offset against unemployment benefits in Washington.

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The most important thing is being honest about your work capacity with both agencies. Don't try to hide anything - it'll come back to bite you.

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Absolutely. I plan to be completely transparent about my limitations and abilities.

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Make sure you understand the difference between able and available for work versus able to perform your past work. Washington ESD looks at suitable work, not just your previous job.

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That's a good distinction. So they'd consider any work I could physically do, not just my old job?

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Exactly. Suitable work takes into account your skills, experience, and physical limitations.

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I tried to collect both a few years ago and got denied unemployment because they said my disability meant I wasn't available for work. Maybe the rules have changed?

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The key is proving you can work within your limitations. If you can demonstrate ability and availability for suitable work, you should qualify.

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Maybe I should try again. My situation has changed and I'm working part-time now.

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Whatever you do, keep detailed records of all your communications with both agencies. Documentation is everything when dealing with government benefits.

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Great advice. I'll start a file with all my paperwork and correspondence.

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Good luck with your claim! It's definitely possible to get both benefits, just takes patience with the system.

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Thank you everyone for all the helpful information. I feel much more prepared to file my claim now.

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One last tip - if you do get approved for unemployment, make sure you're meeting all the weekly claim requirements. Missing a week can mess up your whole claim.

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Noted! I'll set reminders to file my weekly claims on time.

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And if you ever have issues with your weekly claims or need to talk to someone at Washington ESD, remember that Claimyr service I mentioned. Really saves time and frustration.

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