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Hailey O'Leary

Can you get Washington ESD unemployment benefits while on disability?

I've been receiving SSDI for the past year due to a back injury, but my doctor recently cleared me for light work duties. I'm wondering if I can file for unemployment benefits through Washington ESD while still getting my disability payments? I'm confused about whether these two things conflict with each other or if there are specific rules I need to follow. Has anyone been in this situation before?

This is actually more complicated than most people think. You can potentially receive both, but there are strict requirements you have to meet for Washington ESD. The key is that you have to be able and available for work, which means you need medical clearance and you have to be actively seeking employment within your restrictions.

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That makes sense. I do have medical clearance for light duty work, so I think I might qualify. Do I need to report my SSDI income when I file my weekly claims?

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Yes, you'll need to report all income including SSDI on your weekly claims. Washington ESD will calculate how it affects your benefit amount.

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I tried this same thing last year and it was a nightmare dealing with both agencies. Washington ESD kept asking for more documentation about my work capacity, and Social Security wanted to know about my job search activities. Took forever to get through.

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Oh no, that sounds frustrating. How long did it take to get your unemployment claim approved?

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About 6 weeks total, but most of that was waiting for adjudication while they reviewed my medical records.

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Six weeks is pretty typical for complex cases like this. The adjudication process takes time when there are medical issues involved.

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I actually used a service called Claimyr to help me get through to Washington ESD about this exact situation. I was getting nowhere calling the regular number - kept getting disconnected or put on hold for hours. Claimyr got me connected to an actual person who could explain the rules. Check out claimyr.com - they have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Really? I've been trying to call Washington ESD for days with no luck. How does that service work exactly?

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Basically they handle the calling process for you so you don't have to sit on hold. Way less stressful than dealing with the busy signals and dropped calls.

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Interesting, I might have to try that. I've wasted so much time trying to get through to someone at Washington ESD.

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The technical answer is that Washington state allows concurrent receipt of unemployment and disability benefits, but you must meet all the usual UI requirements. This means being physically able to work (within your restrictions), available for work, and actively seeking suitable employment. Your SSDI payments will be deducted from your weekly benefit amount.

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So if I'm getting $1,200 monthly in SSDI, that would reduce my weekly unemployment by about $275?

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That's roughly correct, though the exact calculation depends on your weekly benefit amount and how Washington ESD processes the deduction.

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Wait, I thought disability income wasn't supposed to be counted against unemployment benefits?

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That's a common misconception. SSDI is considered unearned income and gets deducted dollar-for-dollar from your weekly benefit amount in Washington.

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this is so confusing, why do they make everything so complicated?? I just want to know if I can get help while I look for work that accommodates my limitations

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I understand the frustration. The system is complex because they have to balance different federal and state regulations. The good news is that it's definitely possible to get benefits in your situation.

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ok but how do I even start the process? do I file online like everyone else?

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Yes, you file through the same online system at secure.esd.wa.gov. Just make sure you have all your medical documentation ready in case they request it during adjudication.

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One thing to watch out for - if you're getting SSDI, Social Security might review your case if you start working or even actively looking for work. Make sure you understand their rules about substantial gainful activity.

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Oh wow, I hadn't thought about that. Could I lose my SSDI if I'm job searching?

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Not just for searching, but if you start earning too much they might consider you able to work. There are work incentive programs though, so check with Social Security about those.

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This is why I hate dealing with government benefits. Everything affects everything else.

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For Washington ESD specifically, you'll need to be able to demonstrate that you're capable of performing some type of work within your medical restrictions. They'll likely ask for documentation from your doctor about your work limitations and capabilities during the adjudication process.

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I have a letter from my doctor clearing me for light duty work. Would that be enough documentation?

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That's a good start, but they might want more specific information about what types of jobs you can perform and your availability for work. Keep all your medical records handy.

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I'm in a similar boat with workers comp. Been cleared for light duty but can't find anything in my field that accommodates my restrictions. The job search requirement is the hardest part.

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How are you handling the job search log? I'm worried about finding enough suitable positions to apply for each week.

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I document every application and include notes about why certain jobs weren't suitable due to my restrictions. Washington ESD seems to accept that as long as you're making genuine efforts.

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That's the right approach. Quality over quantity when it comes to job search activities, especially when you have medical limitations.

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Does anyone know if vocational rehabilitation services count toward the job search requirements? I'm working with DVR to find suitable employment options.

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Yes, participating in approved retraining or vocational rehabilitation programs can count toward your job search requirements. Make sure to document your participation.

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Great! That takes some pressure off. I was worried about finding enough job applications each week.

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Just be prepared for a longer adjudication process. Mine took almost 8 weeks because they had to coordinate with Social Security to verify my disability status and work capacity.

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8 weeks?! That seems like forever when you're waiting for benefits.

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Yeah it was rough, but they did backpay everything once it was approved. Just make sure you keep filing your weekly claims even during adjudication.

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wait, you have to keep filing even when they haven't approved your claim yet?

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Yes, you must continue filing weekly claims throughout the adjudication process or you'll lose those weeks permanently.

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If you're having trouble getting through to Washington ESD to ask about your specific situation, I'd really recommend trying Claimyr. They helped me connect with someone who understood the disability/unemployment overlap and could give me specific guidance for my case.

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How much does something like that cost? I'm already struggling financially.

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It's definitely worth it compared to spending days trying to get through on your own. The peace of mind alone was huge for me.

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Make sure you understand the difference between being 'disabled' for Social Security purposes versus being 'able and available' for unemployment purposes. They're not mutually exclusive, but Washington ESD will scrutinize this carefully.

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That's a good point. I guess being disabled doesn't necessarily mean you can't work at all, especially with accommodations.

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Exactly. SSDI recognizes that you can't do your previous work, but unemployment looks at whether you can do any work within your limitations.

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One more thing - if you do get approved for both, make sure you report any changes in your disability status to both agencies immediately. They don't communicate with each other automatically.

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Good to know. I'll make sure to keep both agencies updated if anything changes with my medical condition.

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This is all so complicated. Sometimes I think it would be easier to just stay on disability and not work at all.

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I understand that feeling, but if you're medically cleared to work, even part-time, it's worth exploring your options. The goal is to become as self-sufficient as possible.

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I went through this process two years ago. The key things Washington ESD looks for are: medical clearance for some type of work, genuine job search efforts within your restrictions, and complete honesty about your limitations and capabilities.

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How did you handle the job search part? I'm worried about applying for jobs I physically can't do.

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Focus on jobs that specifically accommodate your restrictions or are naturally compatible with your limitations. Remote work, desk jobs, part-time positions, etc. Document why other jobs aren't suitable.

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That's smart. I've been applying for everything and then having to explain why I can't actually do half of them.

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Has anyone dealt with this during the pandemic? I'm wondering if there are any special considerations for people with disabilities who are also at higher risk for COVID.

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The pandemic-era programs have ended, but you can still cite health concerns as limiting your available work if you're in a high-risk category. Document any medical advice about workplace safety.

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Thanks, that's helpful. My doctor has recommended I avoid certain work environments due to my compromised immune system.

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Bottom line - it's definitely possible to get both, but be prepared for extra paperwork, longer processing times, and careful coordination between the two benefit systems. Keep detailed records of everything.

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Thanks everyone for all the advice! This has been really helpful. I think I'm going to start the application process and see what happens.

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Good luck! Remember to be completely honest about your situation and keep filing those weekly claims even during adjudication.

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Yeah, and don't get discouraged if it takes a while. The system is slow but it does work eventually.

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One last tip - if you need to appeal any decision, don't wait. The deadlines for appeals are strict and you don't want to lose your rights because you missed a deadline.

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How would I know if I need to appeal something?

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You'll get written notices for any denials or adverse decisions. Read them carefully - they'll include appeal instructions and deadlines.

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Appeals must be filed within 30 days of the notice date in most cases. Don't delay if you disagree with a decision.

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Good luck OP! It's definitely doable but requires patience and good documentation. Keep us posted on how it goes!

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Will do! Thanks again everyone for all the helpful information. This forum has been a lifesaver.

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That's what we're here for! Hope everything works out for you.

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