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Ava Garcia

Can you collect unemployment while on severance in Washington state?

Got laid off last month and my company gave me 8 weeks severance pay. I'm confused about whether I can file for Washington ESD unemployment benefits while I'm still getting severance checks. Some people are telling me I have to wait until severance runs out, others say I can file right away. The Washington ESD website isn't super clear on this. Has anyone dealt with this situation before? I really need the extra income since my severance is only about 60% of my regular salary.

You can file your unemployment claim right away, but Washington ESD will likely reduce your weekly benefit amount by the severance you're receiving. It's called income deduction. Better to file now so your claim gets processed - the waiting period starts from when you file, not when severance ends.

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So they don't make you wait until severance is completely finished? That's good to know, I was worried about losing weeks.

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exactly, and make sure you report the severance income on your weekly claims or you'll get hit with an overpayment later

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I went through this exact thing 6 months ago. Filed my claim immediately after being laid off even though I had 10 weeks severance. Washington ESD approved my claim but my weekly benefits were reduced dollar-for-dollar by the severance amount until it ran out. Once severance ended, I got full benefits.

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Did you have any problems with the adjudication process? I'm worried they'll think I'm double-dipping or something.

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No issues at all. Just be honest about everything on your application and weekly claims. Washington ESD handles severance situations all the time.

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DEFINITELY file right away!! I made the mistake of waiting until my severance ended and lost 12 weeks of potential benefits. Even if your weekly amount is reduced, you're still establishing your claim date and getting credit for those weeks.

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This is so important - the benefit year clock starts ticking from your initial claim date, not when you start receiving payments

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Wow, I had no idea about the benefit year thing. Thanks for saving me from making a huge mistake!

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I've been trying to get through to Washington ESD for two weeks about this exact question and can never get anyone on the phone. The automated system just hangs up on me after 45 minutes on hold. This is so frustrating when you need answers about something this important.

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I had the same problem until I found Claimyr.com - they helped me get through to an actual Washington ESD agent in like 10 minutes. There's a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Totally worth it when you need real answers.

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Never heard of that service but at this point I'm willing to try anything. The phone system is completely broken.

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Claimyr is legit - used them when my claim got stuck in adjudication. They don't ask for any personal info, just help you get connected to Washington ESD staff.

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The key thing to understand is that severance counts as wages for the weeks it covers, so Washington ESD will offset your benefits accordingly. But you're still unemployed and eligible to file a claim. Just make sure you're actively job searching during this time too.

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Do I need to do the job search requirements even during the weeks I'm getting reduced benefits?

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Yes, you still need to meet all the eligibility requirements including job search activities. Keep your job search log updated.

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Been there! File immediately but here's what nobody tells you - ask Washington ESD specifically how they're calculating the severance deduction. Sometimes they spread lump sum severance over the wrong number of weeks and you end up with benefits reduced longer than necessary.

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That's a really good point. My severance is being paid out weekly so hopefully it's more straightforward.

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Smart advice. I had to appeal because they calculated my severance wrong the first time - took 3 months to fix.

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wait I'm confused... if you're getting severance doesn't that mean you're still employed? How can you file for unemployment if you technically still have a job?

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Severance pay is compensation for losing your job, not wages for continuing to work. You're unemployed even while receiving severance payments.

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ohhhh ok that makes sense. I thought severance meant you were still on payroll or something

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Just went through this process last month. Filed my Washington ESD claim the day after I was laid off, reported my severance income on every weekly claim. My benefits were $0 for the first 6 weeks due to severance, then full benefits kicked in. No problems at all.

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Did you still have to certify weekly even when your benefit amount was $0?

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Yes, you have to keep filing your weekly claims to maintain eligibility. Skip a week and you could lose benefits permanently.

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The Washington ESD handbook specifically addresses this situation. Severance doesn't disqualify you from benefits, it just reduces the amount based on how much you receive each week. File your claim ASAP.

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Do you have a link to that handbook section? I'm dealing with vacation payout along with my severance and want to make sure I understand the rules.

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Check the Washington ESD website under 'Earnings and Income' - they break down how different types of separation pay affect benefits.

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PRO TIP: When you file your initial claim, there's a specific question about severance pay. Answer it honestly and completely. This helps Washington ESD set up your claim correctly from the start instead of having to fix it later.

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Good to know! I'll make sure to have all my severance details ready when I file.

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And keep all your severance documentation - pay stubs, termination letter, etc. Washington ESD might ask for proof during adjudication.

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I'm in HR and deal with this question constantly. Employees should always file for unemployment immediately after termination regardless of severance. The worst that happens is benefits are reduced temporarily - there's no penalty for filing while receiving severance.

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That's reassuring coming from someone who handles this professionally. I was worried there might be some hidden rule I didn't know about.

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Do companies usually tell employees they can file for unemployment while getting severance?

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Most don't because they assume employees know, but we should definitely be more clear about this. It's not uncommon for people to miss out on weeks of benefits due to confusion.

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Called Washington ESD yesterday using Claimyr after reading about it here and finally got my severance question answered by an actual person. Turns out my company was giving me conflicting information - I can definitely file now. Service was worth every penny.

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How long did it take them to connect you?

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Maybe 15 minutes? Way better than the 3+ hours I was spending on hold trying to call directly.

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One thing to watch out for - if your severance includes health insurance continuation, that might affect your availability for work requirements. Make sure you're still meeting the 'able and available' criteria.

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My severance doesn't include health benefits, just straight pay. But good point to consider for others.

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Health insurance shouldn't affect ability to work - that's separate from wages. But always good to clarify with Washington ESD if you're unsure.

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MAKE SURE you understand whether your severance is considered a lump sum or periodic payments! This affects how Washington ESD calculates the deduction. My company paid 8 weeks severance in one check but it should have been spread over 8 weeks for UI purposes.

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Mine is being paid weekly so hopefully that's more straightforward to calculate.

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Weekly payments are definitely easier for Washington ESD to process correctly. Less chance of calculation errors.

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Thanks everyone for all the detailed responses! This is exactly what I needed to hear. I'm going to file my claim tomorrow morning and make sure to report my severance income on every weekly claim. It's such a relief to know I won't lose those weeks of eligibility by filing now, even if my benefits are reduced initially. Really appreciate this community - way more helpful than trying to navigate the Washington ESD website alone!

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I'm going through the same situation right now! Just got laid off two weeks ago with 6 weeks of severance. After reading all these responses, I'm definitely filing my claim this week. It's so confusing when you're stressed about losing your job and trying to figure out all these rules. Really glad to see so many people confirming that you should file immediately rather than wait. The benefit year clock ticking from your claim date is something I had no idea about - that alone makes it worth filing right away even if benefits are reduced initially.

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Welcome to the club nobody wants to be in! But seriously, you're making the right choice filing this week. I was in your exact shoes a few months ago and waiting would have been a huge mistake. The peace of mind from getting your claim started is worth it even if you're getting reduced benefits initially. Make sure you keep detailed records of your severance payments and job search activities from day one. Good luck with everything!

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Absolutely file ASAP! I was in a similar boat last year - got 10 weeks severance and was so confused about the rules. Filing immediately was the best decision I made. Even though my weekly benefits were $0 for the first several weeks due to severance offset, once that ran out I got full benefits without any delays or complications. The hardest part is just getting through the initial application process, but once that's done the weekly claims are pretty straightforward. Just be super honest about your severance amounts each week and keep all your documentation organized. You've got this!

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Just want to echo what everyone else is saying - file your claim immediately! I was in your exact situation 8 months ago with 12 weeks severance. The Washington ESD process was actually smoother than I expected once I understood how it works. Your severance will reduce your weekly benefit amount (likely to $0 for the weeks you're receiving severance), but you're still building eligibility and your benefit year starts from your filing date. The key is being completely transparent about your severance on every weekly claim - don't try to hide it or you'll face overpayment issues later. Also keep in mind that even though your UI benefits might be reduced to zero initially, you still need to meet all the other requirements like job searching and being available for work. Once your severance runs out, your full benefits will kick in without any additional waiting period. The worst thing you can do is wait - you'll just be throwing away weeks of potential coverage for no reason.

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This is incredibly helpful! I'm dealing with the exact same situation right now - just got laid off with 8 weeks severance and was so confused about the timing. Your point about being transparent on every weekly claim is really important. I was worried about reporting the severance thinking it might somehow hurt my eligibility, but it sounds like honesty is definitely the best policy here. Quick question - when you say "building eligibility," does that mean those weeks count toward the total benefit duration even if the payment amount is $0? I want to make sure I understand how this affects the overall 26-week benefit period.

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