Can you collect unemployment if you are self employed in Washington State?
I've been running my own consulting business for about 2 years now but things have gotten really slow and I'm barely making ends meet. A friend told me that self-employed people might be able to get unemployment benefits but I thought that was only for regular employees who get laid off. Does anyone know if Washington ESD allows self-employed people to file for unemployment? I've never paid into the system as a business owner so I'm not sure how this would work.
62 comments


Lauren Zeb
Self-employed individuals generally can't collect regular unemployment insurance (UI) in Washington State because you haven't been paying into the system through payroll deductions. Regular UI is funded by employer contributions and employee payroll taxes. However, there might be some exceptions depending on your specific situation - like if you also had W-2 employment recently.
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Ryan Andre
•I did have a part-time W-2 job last year but only for about 6 months. Would that count for anything?
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Lauren Zeb
•Yes, that could definitely help! If you earned enough wages from W-2 employment during your base period, you might qualify for regular UI benefits. The base period is typically the first four quarters of the last five completed calendar quarters before you file.
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Daniel Washington
Actually, you should look into this more carefully. I know someone who was self-employed and had trouble getting through to Washington ESD to even ask about their options. The phone lines are constantly busy and it's nearly impossible to reach an actual person who can review your specific situation.
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Aurora Lacasse
•This is so true! I spent weeks trying to get through to them about my claim status.
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Daniel Washington
•I actually found this service called Claimyr (claimyr.com) that helps you get through to Washington ESD agents by phone. They have a video demo at https://youtu.be/7DieNd3C7zQ showing how it works. My friend used it to actually talk to someone about whether her mixed employment situation qualified her for benefits.
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Anthony Young
The key thing to understand is that Washington State follows federal guidelines for unemployment eligibility. You need to have sufficient wage credits from covered employment (W-2 jobs) during your base period. Being self-employed doesn't automatically disqualify you, but your self-employment income typically doesn't count toward establishing a claim.
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Ryan Andre
•So if I had that part-time job, I should definitely apply and see what happens?
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Anthony Young
•Yes, absolutely file an application. Washington ESD will calculate your base period wages and determine if you meet the minimum requirements. The worst they can say is no, but you might be surprised.
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Charlotte White
Wait I'm confused about this whole thing. I thought unemployment was only for people who got fired or laid off from regular jobs. Are you saying self-employed people can get it too? That doesn't seem right to me.
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Lauren Zeb
•It's not that self-employed people can get UI benefits for their self-employment - it's that if they ALSO had regular W-2 employment, they might qualify based on those wages.
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Charlotte White
•Oh okay that makes more sense. So it's the regular job wages that would count, not the business income.
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Admin_Masters
Been there! I had my own freelance graphic design business but also worked part-time at a print shop. When the print shop let me go, I was able to file for unemployment based on those wages even though I was still technically self-employed with my freelance work. You just have to report any self-employment income when you file your weekly claims.
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Ryan Andre
•That's exactly my situation! Did you have any problems with Washington ESD understanding that you had both types of work?
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Admin_Masters
•Not really, but I had to explain it clearly when I filed. Make sure you keep good records of both your W-2 wages and your self-employment income for reporting purposes.
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Matthew Sanchez
This whole system is so confusing!!! Why can't they just make it simple - if you need money because you lost work, you should get help. Instead they make you jump through all these hoops about what KIND of work it was and when you worked and blah blah blah.
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Aurora Lacasse
•I totally feel your frustration but the rules exist for a reason - to prevent fraud and make sure the money goes to people who actually paid into the system.
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Matthew Sanchez
•I guess that makes sense but it's still annoying when you're stressed about money and can't figure out if you even qualify.
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Daniel Washington
One thing I learned is that even if you think you might not qualify, it's worth applying anyway. The Washington ESD application process will calculate your eligibility automatically based on your reported wages. Plus, if you get denied, you can always appeal the decision if you think they made an error.
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Ryan Andre
•How long does it usually take to hear back after you apply?
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Daniel Washington
•It can vary a lot. Sometimes it's quick if everything is straightforward, but if your situation is complicated like having mixed employment types, it might take longer or go into adjudication.
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Ella Thompson
Just to add another perspective - I know the pandemic changed some rules about self-employment and unemployment, but most of those special programs have ended. Make sure you're looking at current Washington ESD guidelines, not outdated information from 2020-2021.
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Anthony Young
•Excellent point. The Pandemic Unemployment Assistance (PUA) program that helped self-employed individuals has been discontinued. Current eligibility is back to pre-pandemic rules.
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Ryan Andre
•Good to know, I was wondering if I had missed some special program.
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Aurora Lacasse
Have you considered looking into other assistance programs while you figure out the unemployment thing? Sometimes there are local programs for small business owners or self-employed people who are struggling.
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Ryan Andre
•I hadn't thought about that. Do you know where I would look for those kinds of programs?
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Aurora Lacasse
•Try your local WorkSource office or check with small business development centers in your area. They often know about grants or assistance programs that aren't widely advertised.
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Lauren Zeb
Just remember that if you do qualify for UI benefits, you'll need to meet all the ongoing requirements like actively seeking work, being able and available for work, and reporting any income from your self-employment activities on your weekly claims. The job search requirement still applies even if you're maintaining your business.
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Ryan Andre
•So I'd have to look for regular employment even though I have my consulting business?
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Lauren Zeb
•Yes, you'd need to demonstrate that you're actively seeking work in your field and available to accept suitable employment. Your self-employment can't interfere with your availability for full-time work.
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JacksonHarris
I tried to get answers about this exact question last month and couldn't get through to anyone at Washington ESD. Their phone system is horrible - you either get a busy signal or wait on hold forever just to get disconnected.
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Daniel Washington
•That's exactly why I mentioned Claimyr earlier. They specialize in helping people get through to Washington ESD agents when you need to discuss complex situations like mixed employment. Way better than spending hours on hold for nothing.
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JacksonHarris
•Is that actually legit? I'm always skeptical of services that claim they can get you through government phone systems.
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Daniel Washington
•Yeah, it's real. They basically handle the calling and waiting for you, then connect you when they reach an actual agent. Super helpful when you have specific questions that can't be answered online.
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Jeremiah Brown
Don't forget that Washington State also has a SharedWork program that might be relevant if you're looking at scaling back your business or taking on part-time employment. It's not the same as regular UI but could be another option to explore.
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Ryan Andre
•I haven't heard of SharedWork. Is that through Washington ESD too?
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Jeremiah Brown
•Yes, it's administered by Washington ESD. It's designed for situations where employers reduce hours instead of laying people off, but there might be applications for your situation too.
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Royal_GM_Mark
my cousin was self employed doing handyman work but also had a job at home depot on weekends. when home depot cut his hours way back he was able to get some unemployment money. but he had to report his handyman income every week which made his benefit amount smaller
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Ryan Andre
•That sounds similar to my situation. Did he have trouble with Washington ESD understanding his mixed income sources?
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Royal_GM_Mark
•not really but he had to explain it a few times and keep really good records of everything he made from both jobs
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Anthony Young
One final important point - if you do file for unemployment, make sure you understand how self-employment income affects your weekly benefits. In Washington, you must report all gross income from self-employment, and it may reduce your weekly benefit amount dollar-for-dollar or be subject to earnings deductions depending on the amount.
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Ryan Andre
•So if I make $200 from consulting one week, they'd subtract that from my unemployment payment?
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Anthony Young
•It depends on the amount and how it compares to your weekly benefit amount. Washington ESD has specific formulas for calculating earnings deductions. This is definitely something to discuss with an agent when you file.
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Amelia Cartwright
I went through this whole thing last year and honestly the hardest part was just getting clear information about how it all works. The website has some info but it's not super clear for mixed employment situations. Definitely worth talking to someone directly if you can.
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Ryan Andre
•Thanks for sharing your experience. Did you end up qualifying?
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Amelia Cartwright
•Yeah, I did qualify based on my W-2 wages, but my weekly benefit amount was pretty small because of my ongoing self-employment income. Still helped though during a tough time.
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Chris King
Just make sure you're honest about everything when you apply. Washington ESD can cross-reference your information with tax records and other databases, so don't try to hide your self-employment income or you could get in trouble for fraud.
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Ryan Andre
•Definitely planning to be completely honest. I'd rather get a small benefit amount than risk legal problems.
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Chris King
•That's the right approach. They're pretty good at catching discrepancies, and the penalties for fraud are severe.
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Rachel Clark
Good luck with your application! It sounds like you have a decent chance of qualifying based on your part-time W-2 job. Even if the benefit amount isn't huge, every little bit helps when business is slow.
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Ryan Andre
•Thank you! I'm going to gather all my employment records and file an application this week. This thread has been really helpful in understanding my options.
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Lauren Zeb
•That's great to hear! Make sure you have all your wage information handy and be prepared to provide detailed explanations about your mixed employment situation.
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Daniel Washington
One more thing - if you do run into issues getting through to Washington ESD during the application process or have questions about your claim status, don't spend weeks trying to call. Services like Claimyr can save you a lot of time and frustration when you need to actually speak with an agent about complex eligibility questions.
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Ryan Andre
•I'll definitely keep that in mind. Hopefully the online application process goes smoothly, but it's good to know there are options if I need to talk to someone.
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Zachary Hughes
•Yeah, I wish I had known about that service when I was dealing with my claim issues. Would have saved me so much time and stress.
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Mia Alvarez
Just remember that even if your claim gets approved, you'll still need to file weekly claims and meet all the requirements. Don't assume it's automatic once you're in the system.
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Ryan Andre
•Right, I'll need to do the job search activities and report my consulting income every week. Thanks for the reminder!
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Carter Holmes
This whole thread has been really informative. I'm in a similar situation with freelance work plus some W-2 income, so I'm going to look into filing too. Thanks everyone for sharing your experiences and knowledge!
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Anthony Young
•You're welcome! These mixed employment situations are more common than people think, especially in today's economy. It's worth exploring all your options.
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Ryan Andre
•Good luck with your application too! It sounds like there are more of us in this situation than I realized.
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Cedric Chung
I've been following this discussion and wanted to add that Washington State also has some vocational rehabilitation services that might be worth looking into while you're navigating the unemployment system. If your consulting business has been struggling due to economic changes in your industry, WorkSource offices sometimes have retraining programs or career transition assistance that could help you pivot or enhance your skills. These services are separate from UI benefits but could complement whatever assistance you're able to get. It might be worth scheduling an appointment with a WorkSource counselor to discuss your options - they can often provide a more comprehensive view of available resources beyond just unemployment insurance.
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TommyKapitz
•That's a really good point about vocational rehabilitation services! I hadn't considered that angle at all. Since my consulting business has been slow partly due to changes in my industry, it might make sense to look into skill enhancement or even pivoting to related areas where there's more demand. Do you know if WorkSource counselors can help you figure out what skills are most in-demand locally? I'm wondering if I could use this slow period to actually strengthen my position for the future, whether that's through better consulting opportunities or finding a good W-2 position that complements my business.
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