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Jade Lopez

Can you file for unemployment if self employed in Washington state?

I've been running my own consulting business for the past 2 years but work has completely dried up. I'm wondering if I can file for Washington ESD unemployment benefits as a self-employed person? I've never filed before and not sure if freelancers/contractors are eligible. Has anyone been through this process?

Self-employed people generally can't get regular UI benefits in Washington unless they've been paying into the system as both employer and employee. Did you pay unemployment taxes on your business income?

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No, I didn't pay unemployment taxes. I just paid regular income tax and self-employment tax. Does that mean I'm out of luck?

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Unfortunately yes for regular UI. You might want to look into other programs though.

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I was in the same boat last year. Self-employed folks typically don't qualify for traditional unemployment benefits because we haven't been paying into the UI system.

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That's what I was afraid of. It seems unfair that we can't get help when our income disappears.

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Yeah the system wasn't really designed for gig workers and freelancers unfortunately

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Actually, there might be some options. If you had any W-2 employment in the past 18 months alongside your self-employment, you could potentially qualify based on those wages. Also, Washington ESD sometimes has special programs during economic downturns.

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I did have a part-time W-2 job about 8 months ago for like 3 months. Would that count?

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It might! You'd need to check if those wages meet the minimum requirements. Worth looking into for sure.

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When I tried to get through to Washington ESD to ask about mixed earnings it was impossible. Spent hours on hold and kept getting disconnected.

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If you're having trouble reaching Washington ESD by phone, I found this service called Claimyr that helped me get through to an actual agent. They have a website at claimyr.com and there's 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 someone at Washington ESD.

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How much does something like that cost? Seems like we shouldn't have to pay to talk to our own state agency.

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I get the frustration, but when you can't get through any other way it's worth it. They focus on the value of actually connecting you rather than just endless busy signals.

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I'll check it out, thanks. The regular phone lines have been useless so far.

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just to be clear - if you were ONLY self employed with no w2 wages, you def can't get regular UI benefits. but like others said if you had some w2 work mixed in there might be hope

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Yeah I'm starting to understand that now. Going to dig up my old pay stubs from that part-time job.

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The key thing is Washington ESD looks at your base year wages - that's typically the first 4 of the last 5 completed calendar quarters before you file. If you had enough W-2 wages during that period, you might qualify even if you're currently self-employed.

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This is confusing. How much W-2 wages do you need to qualify?

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In Washington you need to have earned at least $1,000 in your highest quarter and your total base year wages need to be at least 1.5 times your highest quarter amount.

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Ok I think I made about $4,000 total from that part-time job over 3 months. Not sure if that's enough.

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Even if you qualify based on W-2 wages, you'll need to be able and available for work and actively seeking employment. Being self-employed might complicate that requirement.

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What do you mean? I'm definitely looking for work, both contracts and regular employment.

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Washington ESD might question whether you're truly available for full-time employment if you're still trying to maintain your business. It's a gray area.

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The phone situation with Washington ESD is absolutely ridiculous. I've been trying to get answers about my mixed earnings situation for weeks. The automated system just hangs up on you.

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That's exactly why I ended up using Claimyr. The regular phone system is broken and they know it works.

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I tried calling at 8am sharp when they open and still couldn't get through. It's like they don't want to help people.

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This whole system is set up for traditional employees. Those of us who work for ourselves get screwed when things go bad. It's not fair that we pay all these taxes but can't get unemployment help.

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I feel you but that's just how the system works. UI is funded by employer contributions, not our individual taxes.

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Still doesn't make it right. We should have some kind of safety net too.

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You might also want to look into other assistance programs while you figure out the UI situation. Food assistance, emergency rent help, stuff like that. Every little bit helps when income disappears.

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Good point. I've been so focused on unemployment that I haven't looked into other options.

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If you do end up qualifying for UI benefits, you'll still need to do your weekly claims reporting any self-employment income you might earn. Even small amounts can affect your benefits, so keep detailed records.

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So I could still do some freelance work while collecting unemployment?

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Yes, but you have to report all income and it will likely reduce your weekly benefit amount. There are specific rules about how much you can earn.

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Be really careful with this. I got hit with an overpayment notice because I didn't report some small freelance jobs correctly.

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Bottom line - gather all your wage records from the past 18 months and apply. Worst they can say is no, and at least you'll know for sure where you stand.

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You're right. I'll pull together all my documentation and give it a shot.

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Just wanted to follow up on the Claimyr thing - I used them again last week to get clarification on reporting requirements and it was super straightforward. Sometimes you just need to talk to a real person at Washington ESD to get proper answers.

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How long did it take them to connect you?

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About 20 minutes total. Way better than the hours I wasted trying to call directly.

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I'm in a similar situation but with Doordash and Uber. Been driving for 2 years and now car broke down. Guess I'm SOL too?

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Same rules apply - if you only have 1099 income from gig work, you won't qualify for regular UI benefits.

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Gig economy really leaves us hanging doesn't it

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Make sure you understand the difference between being self-employed and being an independent contractor. The rules might be slightly different depending on your situation.

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I think I'm technically both? I have my own LLC but also do 1099 contract work. Does that matter?

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It might. The key is still whether you paid into the UI system or had W-2 wages, but the way you structure your work could affect other aspects of your claim.

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Don't forget about the job search requirements if you do qualify. You'll need to log your work search activities every week, and with your background in consulting that might include networking events and client outreach.

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Good to know. I'm already doing a lot of networking so that should be easy to document.

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One more thing - if you're considering going back to traditional employment, make sure you're being realistic about available positions and willing to accept suitable work. Washington ESD can be picky about job refusals.

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I'm definitely open to regular employment. Market is tough but I'm not being picky at this point.

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That's the right attitude. Being too selective about jobs can hurt your benefits.

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Thanks everyone for all the advice. Going to gather up my old pay stubs and W-2s and see if I can make this work. Even if it's a long shot, worth trying.

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Good luck! Hope it works out for you.

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And remember, if you need to talk to someone at Washington ESD about your specific situation, Claimyr is there to help you get through.

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I was in almost the exact same situation last year! Had been freelancing for about 18 months when my biggest client dropped me suddenly. The good news is that if you had ANY W-2 wages in your base year (which sounds like you did with that 3-month part-time job), you might qualify. I had worked a temp job for just 6 weeks about a year before I filed and it was enough to get benefits. The tricky part is proving you're available for full-time work while still doing some freelance stuff. Washington ESD will want to see that you're genuinely looking for regular employment, not just trying to supplement your consulting income. Make sure you document every job application and networking contact - they're pretty strict about the work search requirements. Also, be prepared for them to ask detailed questions about your business activities during your eligibility interview.

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This is really encouraging to hear! I was starting to lose hope but knowing someone in a similar situation got approved gives me confidence to try. That eligibility interview sounds intimidating though - what kinds of questions did they ask about your business? I want to make sure I'm prepared and don't say anything that hurts my case.

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They asked things like whether I was actively marketing my business, if I had any pending contracts or proposals out there, and how many hours per week I was spending on business activities versus job searching. The key is being honest but emphasizing that you're genuinely seeking traditional employment because your self-employment income isn't sustainable. I told them I was winding down my freelance work and focusing on finding a regular job with benefits and steady income. They also wanted to know if I would be able to start a full-time job immediately if offered one, so make sure you can answer yes to that. The interview wasn't as scary as I expected - just be straightforward about your situation.

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I went through this exact situation about 6 months ago! I had been freelancing as a graphic designer for almost 3 years when my main clients all cut their budgets at once. Like you, I hadn't paid unemployment taxes as a self-employed person, so I thought I was out of luck. But it turns out I had worked a retail job for about 4 months two years earlier, and those W-2 wages were just enough to qualify me for benefits. The application process was pretty straightforward online, but getting through to actually talk to someone at Washington ESD was a nightmare until I used that Claimyr service someone mentioned - definitely worth it if you need clarification on your specific situation. The key thing they care about is that you're genuinely available for full-time work and not just trying to supplement your consulting income. I had to show I was actively applying for regular jobs, not just looking for more freelance clients. It took about 3 weeks to get my first payment, but having that safety net made all the difference while I transitioned back to traditional employment.

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That's such a relief to hear from someone who actually went through it successfully! I'm definitely going to apply since I did have that part-time job. Quick question - when you were collecting benefits, did you have to completely stop taking on any freelance work, or could you still do small projects as long as you reported the income? I'm wondering if I should turn down any potential clients that might reach out while I'm job searching.

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You actually can still take on small freelance projects while collecting benefits, but you MUST report every penny you earn on your weekly claims. Washington ESD has specific rules about how much you can earn before it affects your benefit amount - I think it's around $200 per week where they start reducing your payments. The important thing is being completely transparent about any work you do. I did a couple small logo projects during my benefit period and just made sure to report the income accurately. They're way more concerned about people who don't report income than they are about you doing occasional freelance work. Just document everything and be honest on your weekly claims - that's what kept me out of trouble.

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I'm dealing with a very similar situation right now. Been running a small marketing consultancy for about 18 months and my client base has completely evaporated. The frustrating part is that I've been paying all kinds of taxes as a self-employed person - quarterly estimated taxes, self-employment tax, business license fees - but apparently none of that counts toward unemployment eligibility. It really does feel like the system penalizes people who try to work for themselves. I did have a brief stint at a marketing agency about 10 months ago that lasted maybe 6 weeks before I went back to freelancing full-time. Sounds like that might be my only hope based on what everyone is saying here. Going to dig through my old paperwork and see if those wages are enough to meet the minimum requirements. Thanks for asking this question - it's helpful to know I'm not the only one struggling with this gap in the safety net.

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I totally get that frustration about paying all those taxes but not being eligible for unemployment - it really does feel unfair! But definitely dig up those pay stubs from your agency stint. Even 6 weeks might be enough if you made decent money during that time. The threshold isn't super high, and it sounds like you're in a similar boat to several others here who managed to qualify. Don't give up hope yet - worst case scenario you apply and get denied, but at least you'll know for sure. And if you do qualify, just be prepared to show you're serious about finding traditional employment, not just looking to supplement your consulting income.

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You're absolutely right about the system feeling unfair - I went through the same frustration when my freelance writing work disappeared last year. That 6-week agency job could definitely be your ticket though! I had a similar short-term position and it was just enough to qualify. The key thing I learned is that Washington ESD looks at your total earnings in your highest quarter, so even if it was brief, if you made good money during those weeks it might push you over the threshold. When I applied, I was honest about wanting to transition back to stable employment because the uncertainty of freelancing was too stressful. Make sure to frame it that way if you do get an interview - that you're genuinely seeking traditional work, not just using benefits to float your consulting business. Good luck digging through those old documents!

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Mei Liu

I'm currently in a similar situation - been freelancing as a web developer for about 3 years and my contract pipeline has completely dried up. Reading through all these responses has been really helpful! I actually did have a W-2 job about 14 months ago where I worked for a tech startup for about 5 months before going back to freelancing. Based on what everyone's saying, it sounds like those wages might be my lifeline. The confusing part for me is figuring out exactly which quarters count for the base year calculation. Does anyone know if there's a tool on the Washington ESD website to help calculate whether you meet the minimum wage requirements? I'd rather know before I spend time gathering all my documentation if it's not going to be enough. Also really appreciate the heads up about Claimyr - the regular phone system has been absolutely useless when I've tried calling about other questions in the past.

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Yes, there is actually a benefit calculator on the Washington ESD website! If you go to their main site and search for "benefit calculator" or "eligibility calculator" it should help you figure out if your wages meet the minimum requirements. You just plug in your quarterly wages from your base year period and it will tell you if you qualify and roughly what your weekly benefit amount would be. That 5-month tech startup job sounds promising - especially if it was recent enough to fall in your base year. Tech jobs usually pay well so you might have earned enough in just those 5 months to meet both the minimum quarter requirement ($1,000) and the total base year requirement (1.5x your highest quarter). Definitely worth running the numbers before you stress about gathering all your paperwork!

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I'm in almost the exact same situation as you! Been freelancing as a content writer for about 2.5 years and my regular clients have all either cut budgets or gone out of business. Like you, I never paid unemployment taxes as self-employed so I thought I was completely out of luck. But reading through all these responses gives me hope - I actually had a part-time administrative job at a nonprofit about 7 months ago that lasted around 4 months. I made decent hourly wages there before leaving to focus on my writing business full-time. Now I'm kicking myself for that decision! Going to use that benefit calculator someone mentioned to see if those wages are enough to qualify. It's so frustrating that we pay all these other taxes but can't access this safety net when we need it most. Thanks for starting this thread - it's been incredibly informative and I feel less alone in this struggle.

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Zara Shah

Don't kick yourself too hard about leaving that nonprofit job - hindsight is 20/20 and you made the best decision you could with the information you had at the time! Four months of decent wages could definitely be enough, especially if you were making good hourly pay. I'd encourage you to definitely use that benefit calculator to run the numbers. Even if you're on the borderline, it's worth applying since the worst they can do is say no. And if you do qualify, just be prepared to show that you're genuinely committed to finding stable employment rather than just supplementing your freelance income. The job search requirements can be a bit tedious but it's a small price to pay for that financial safety net. You're definitely not alone in this - the gig economy boom has left a lot of us in this weird gap where we're working hard but don't have traditional employment protections.

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I'm in a really similar boat - been doing freelance photography for about 2 years and the market has just completely tanked. I had a short retail job about 8 months ago that I worked for maybe 12 weeks before going back to photography full-time. Reading everyone's experiences here is giving me some hope that those wages might be enough to qualify. The whole system really does feel stacked against people who work for themselves, but it sounds like having any W-2 wages in your base year can potentially save you. Definitely going to check out that benefit calculator and see where I stand. Good luck with your application - hope it works out for both of us!

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I went through this exact situation about 8 months ago! I had been freelancing as a UX designer for almost 2 years when my main clients all canceled projects due to budget cuts. Like you, I hadn't paid unemployment taxes as self-employed, but I did have a temporary office job that lasted about 10 weeks roughly a year before I filed. Those W-2 wages were just barely enough to qualify me for benefits. The key thing that helped my case was being completely upfront during the eligibility interview about genuinely wanting to transition back to traditional employment because the instability of freelancing was causing too much financial stress. I emphasized that I was actively applying for full-time UX positions, not just looking for more freelance work. It took about 4 weeks to get my first payment, but having those benefits while job hunting made such a difference. Don't give up - even those 3 months of W-2 wages might be enough if you made decent money during that time. The benefit calculator on the ESD website is really helpful for figuring out if you meet the minimums before you apply.

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