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Daniel Rivera

Can you get SSDI and unemployment benefits at the same time from Washington ESD?

I'm really confused about this and need some clarity. My SSDI application was approved last month but I'm still receiving unemployment benefits from Washington ESD. I'm worried I'm going to get in trouble or have to pay something back. Can you actually collect both at the same time? My caseworker at the disability office said something about it depending on how you're classified but I didn't really understand. Has anyone dealt with this situation before?

This is actually a complex situation that depends on several factors. Generally, you can receive both SSDI and unemployment benefits simultaneously, but there are important considerations. The key issue is that unemployment requires you to be 'able and available' for work, while SSDI is based on being unable to work due to disability. Washington ESD will want to know about your SSDI status.

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So I need to report my SSDI to Washington ESD? I haven't done that yet because I wasn't sure if I was supposed to.

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Yes, you should report it. It won't necessarily disqualify you from unemployment, but they need to know about all income sources.

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I was in a similar situation last year. The thing is, SSDI has different categories and some allow for work attempts. If you're on SSDI but still considered able to work part-time or in certain circumstances, you might qualify for unemployment too. But you definitely need to report it to Washington ESD.

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Did you have any problems when you reported it? I'm scared they're going to say I owe money back.

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They reviewed my case and it took about 3 weeks, but I was allowed to continue receiving benefits. Every situation is different though.

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You really need to contact Washington ESD directly about this. The rules are specific and depend on your individual circumstances. I'd recommend calling them, but good luck getting through - their phone lines are constantly busy. You might want to try Claimyr (claimyr.com) - they help people get through to Washington ESD agents. I used them when I had a complex issue and actually got connected to someone who could help.

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I've been trying to call for days and keep getting hung up on after waiting forever. What is Claimyr exactly?

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It's a service that helps you get through Washington ESD's phone system. They have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Basically they handle the calling and waiting for you.

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wait so your telling me you can get unemployment AND disability?? that doesn't make sense to me. if your disabled you can't work so why would you get unemployment for being out of work?

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SSDI has different levels and some people can still work limited hours or attempt work. It's not always a complete inability to work.

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oh i didn't know that. i thought disability meant you couldn't work at all

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This is exactly why I hate dealing with government agencies. Nothing ever makes sense and they don't explain anything clearly. You can get disability AND unemployment but somehow you have to be unable to work AND able to work at the same time? The whole system is ridiculous.

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I know it's frustrating but there are legitimate reasons for the different categories. Some people are partially disabled or trying to return to work.

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Maybe but they should make it clearer instead of leaving people confused and worried about getting in trouble.

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I work in disability advocacy and this comes up a lot. The key distinction is between 'total disability' and 'substantial gainful activity.' If your SSDI is based on an inability to perform substantial gainful activity but you can still work part-time or in limited capacity, you may qualify for unemployment benefits while actively seeking work within your limitations.

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That makes more sense. My SSDI letter mentions something about being able to work up to a certain amount per month.

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Exactly. That's probably the SGA limit - substantial gainful activity. As long as you're seeking work within those limits, unemployment benefits may be appropriate.

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The important thing is being honest with both agencies. Don't try to hide anything because they can cross-reference information. I reported my SSDI to Washington ESD and they reviewed my case individually.

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How long did the review take? I'm worried about having my benefits stopped while they figure it out.

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Mine took about 3 weeks but I continued receiving benefits during the review. They told me if there was an overpayment issue they'd address it later.

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Also keep in mind that some SSDI recipients are encouraged to try working as part of their rehabilitation. Programs like Ticket to Work specifically support people transitioning back to employment. In those cases, unemployment benefits during job search makes perfect sense.

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I wasn't aware of Ticket to Work. Is that something I should look into?

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It might be worth exploring if you're interested in working within your limitations. It provides support and protections for SSDI recipients who want to work.

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Just to follow up on my earlier suggestion - if you're having trouble reaching Washington ESD to report your SSDI, Claimyr really helped me. I was in a similar situation where I needed to report a change in circumstances and couldn't get through on the phone. They got me connected to an actual person who could handle my case properly.

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I think I'm going to try that. I've wasted so much time trying to call them myself.

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Is Claimyr expensive? I'm already stressed about money with all this confusion.

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I don't want to get into specific costs, but for me it was worth it to get my issue resolved quickly rather than spending weeks trying to get through myself.

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This happened to my sister in 2023. She was on SSDI but still looking for part-time work within her restrictions. Washington ESD reviewed her case and determined she could continue receiving unemployment as long as she was genuinely seeking appropriate work opportunities.

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That's encouraging to hear. Did she have to provide any special documentation?

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She had to provide her SSDI award letter and a statement from her doctor about her work limitations, but it wasn't too complicated.

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this is all so confusing. why don't they just have clear rules posted somewhere that normal people can understand?

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The rules are complex because every person's situation is different. That's why they review cases individually rather than having blanket policies.

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i guess that makes sense but it's still stressful not knowing what's going to happen

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The worst part is the waiting and not knowing. You're stuck in limbo wondering if you're doing something wrong or if they're going to demand money back. The system needs to be more transparent about these situations.

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Exactly how I feel right now. I wish there was just a clear yes or no answer.

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Unfortunately, with government benefits, clear yes/no answers are rare because so much depends on individual circumstances.

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My advice is document everything. Keep records of all your communications with both Washington ESD and Social Security. If there are any issues later, you'll have a paper trail showing you tried to do the right thing.

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Good point. I'll start keeping better records of everything from now on.

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It's especially important to document when you report changes in circumstances to Washington ESD. Get confirmation that they received the information.

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One more thing - make sure you understand your job search requirements. If you're on SSDI with work limitations, Washington ESD may adjust your job search requirements to match what you can actually do. Don't just apply for jobs you can't perform.

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I hadn't thought about that. Should I be documenting my limitations when I do my job searches?

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Yes, keep records of how your limitations affect your job search. It shows you're making good faith efforts within your capabilities.

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Remember that both SSDI and unemployment benefits serve different purposes and have different eligibility criteria. SSDI is long-term support for disability, while unemployment is temporary support during job search. In some cases, receiving both makes sense if you're transitioning back to work within your limitations.

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That helps me understand it better. I think my situation might actually be legitimate then.

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It very well could be. The key is being transparent with both agencies and letting them make the determination based on your specific circumstances.

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Bottom line - contact Washington ESD as soon as possible to report your SSDI. Don't wait and worry about it. Whether through their regular phone line or a service like Claimyr, get this sorted out officially so you know where you stand.

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You're right. I'm going to call them tomorrow, or try that Claimyr service if I can't get through.

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I second using Claimyr if you're having phone issues. I used them last month for a different Washington ESD problem and it saved me so much time and frustration.

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Final thought - if Washington ESD determines there's any conflict between your benefits, they'll work with you to resolve it. The goal isn't to punish people but to ensure benefits are distributed correctly according to the rules. Being proactive and honest is always the best approach.

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Thank you everyone for the advice. I feel much better about dealing with this now.

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Good luck with everything! Hope it works out smoothly for you.

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This thread was really helpful. I'm in a similar situation and was wondering the same thing. Thanks for asking the question!

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Glad it helped someone else too! I was so worried I was the only one dealing with this.

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Definitely not alone. There's probably more of us than we realize.

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Just want to add that you should also check if your state has any specific rules about concurrent benefits. Some states have different interpretations of federal guidelines.

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Good point. I'll ask about Washington state specific rules when I contact them.

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Yes, always better to get the state-specific information directly from Washington ESD rather than assuming general federal rules apply everywhere.

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Thanks for this discussion. I learned a lot about how these benefits can work together. The government really should make this information more accessible.

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Agreed. We shouldn't have to piece together information from forum discussions to understand our benefits.

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Exactly. Clear, simple explanations should be available on their websites.

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