Can you get Washington ESD unemployment if you get SSDI or state disability benefits?
My husband was recently approved for Social Security disability after fighting for it for two years. While we were waiting for the approval, he was getting unemployment benefits from Washington ESD. Now that his disability came through, I'm wondering if he can still collect unemployment or if he has to choose one or the other? The SSDI office said something about overpayments but I didn't really understand. Has anyone been through this situation before? We really need both sources of income right now with our medical bills piling up.
54 comments


Ayla Kumar
Generally speaking, you cannot collect both unemployment and disability benefits at the same time because they contradict each other. Unemployment requires you to be able and available for work, while disability means you're unable to work. Washington ESD will likely require repayment of any UI benefits received while eligible for disability.
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Clay blendedgen
•Oh no, that's what I was afraid of. Do you know how they calculate the overpayment amount?
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Ayla Kumar
•It's usually dollar for dollar for any weeks where both benefits overlapped. You'll want to contact Washington ESD immediately to discuss your situation.
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Lorenzo McCormick
wait this happened to my brother last year!! he had to pay back like $4,000 in unemployment because his disability got approved retroactively. washington esd was NOT messing around about getting their money back
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Clay blendedgen
•Oh my god, $4,000?? We don't have that kind of money lying around. Did he have to pay it all back at once?
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Lorenzo McCormick
•no they let him set up a payment plan but it was still really tough. he shouldve called them right away instead of hoping theyd never notice
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Carmella Popescu
This is a really common issue that trips people up. The key dates matter a lot here - when did his disability approval become effective versus when he was collecting UI? Sometimes there's a gap period where you might be okay. I'd suggest using a service like Claimyr (claimyr.com) to actually get through to a Washington ESD agent who can review your specific timeline. Their video demo shows exactly how it works: https://youtu.be/7DieNd3C7zQ. Getting accurate information about your specific situation is crucial before you make any decisions.
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Clay blendedgen
•Thanks, I'll check that out. We've been trying to call Washington ESD for weeks but can never get through.
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Kai Santiago
•Claimyr actually worked for me when I had an overpayment issue. Way better than sitting on hold for hours just to get disconnected.
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Lim Wong
I'm confused about this whole thing. If someone is on temporary disability from their job, can they still get unemployment? Or is this only about permanent disability like SSDI?
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Ayla Kumar
•Temporary disability is different. You might be able to get unemployment if you're temporarily disabled but still able to do some types of work. It depends on whether you meet the 'able and available' requirement.
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Lim Wong
•So it's really case by case then? This stuff is so confusing.
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Dananyl Lear
THE SYSTEM IS SO BROKEN!! They expect people to navigate all these contradictory rules while dealing with disability and financial stress. How is anyone supposed to know you can't collect both?? They should make this clearer upfront instead of creating debt traps for people who are already struggling!
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Noah huntAce420
•I totally agree the system is confusing, but they do ask about other benefits when you file your weekly claims. A lot of people just click through without reading carefully.
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Dananyl Lear
•Yeah well when you're desperate and waiting months for disability approval, you're not thinking about future complications!
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Noah huntAce420
OP, you need to act fast here. Washington ESD has the right to recover overpayments and they will. The good news is they usually offer payment plans if you can't pay a lump sum. Also, depending on when his disability was approved retroactively, you might owe less than you think.
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Clay blendedgen
•His disability was effective January 1st but he was collecting unemployment through March. So probably 12 weeks of overlap.
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Noah huntAce420
•That's likely going to be a significant overpayment then. Definitely get in touch with Washington ESD ASAP to start the process.
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Ana Rusula
Been there. Got approved for state disability while on UI and had to pay back $2,800. Washington ESD was actually pretty reasonable about setting up payments but you have to be proactive about contacting them.
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Clay blendedgen
•How did you find out about the overpayment? Did they contact you or did you have to report it?
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Ana Rusula
•They sent me a notice about 6 weeks after my disability started. I think there's some kind of cross-check system between agencies.
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Kai Santiago
Just want to second the Claimyr recommendation. I used it when I had a complex eligibility question and actually got to speak with someone knowledgeable at Washington ESD instead of getting the runaround. Worth every penny when you're dealing with potential overpayments.
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Fidel Carson
•How much does something like that cost though? We're already strapped for cash.
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Kai Santiago
•It's reasonable compared to the potential overpayment amount, and getting accurate information upfront can save you a lot of headaches later.
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Isaiah Sanders
my cousin went through this exact thing. she thought she could keep both but washington esd caught it during some kind of audit. ended up owing back $3,200 and had to do a payment plan for like 18 months
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Clay blendedgen
•Did they charge interest on the payment plan?
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Isaiah Sanders
•i dont think so but there might have been some kind of penalty. she was just relieved they didnt demand it all at once
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Carmella Popescu
One thing to keep in mind - if your husband was legitimately able and available for work during the time he was collecting UI, even though he later qualified for disability, the overpayment rules might be different. The timing and circumstances matter a lot in these cases.
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Clay blendedgen
•He was looking for work that whole time, so maybe that helps our case?
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Carmella Popescu
•It might, but you'll need to document that job search activity. This is definitely a situation where you want to talk to Washington ESD directly about your specific circumstances.
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Xan Dae
This is why I hate the benefits system. You're damned if you do, damned if you don't. People need help but the rules are designed to trap you.
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Fiona Gallagher
•The rules exist for a reason though. You can't claim you're able to work for unemployment while also claiming you're unable to work for disability.
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Xan Dae
•I get that logically, but the timing of approvals makes it really unfair for people caught in between.
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Thais Soares
OP - make sure you keep detailed records of all communications with Washington ESD about this. If they do determine there's an overpayment, you want documentation of everything discussed regarding payment arrangements.
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Clay blendedgen
•Good point, I'll start keeping a log of any calls or correspondence.
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Nalani Liu
Had a similar situation with my dad. The key is being upfront and honest with Washington ESD about the disability approval. They're more likely to work with you if you're transparent rather than if they discover it themselves.
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Clay blendedgen
•That makes sense. I was worried that calling them would make things worse, but sounds like it's better to be proactive.
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Nalani Liu
•Definitely. They're going to find out eventually anyway through data matching between agencies.
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Axel Bourke
Quick question - does this apply to all types of disability or just SSDI? What about if someone gets workers comp disability?
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Ayla Kumar
•Workers comp is different because it's related to a specific injury, not a general inability to work. The rules can vary depending on the situation.
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Axel Bourke
•Thanks, this stuff is so complicated!
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Aidan Percy
I work in benefits administration (not for Washington ESD) and see this issue constantly. The problem is that people apply for multiple benefits simultaneously and don't realize they can conflict with each other until it's too late.
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Clay blendedgen
•That's exactly what happened to us. We were just trying to survive financially while waiting for the disability decision.
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Aidan Percy
•I completely understand, and that's why I always recommend people get professional guidance when navigating multiple benefit programs.
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Fernanda Marquez
For what it's worth, Washington ESD's payment plan options are usually pretty reasonable. They'd rather get their money back over time than never get it back at all.
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Clay blendedgen
•That's reassuring. I was picturing them demanding everything immediately.
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Norman Fraser
This thread is making me paranoid about my own situation. I'm on temporary disability but have been thinking about filing for unemployment when it ends. Should I be worried?
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Ayla Kumar
•As long as you're not collecting both simultaneously and you meet the able and available requirements when you file for UI, you should be fine. Just be honest about your work history and medical situation.
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Norman Fraser
•Thanks, that helps ease my mind a bit.
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Kendrick Webb
Update us on how it goes OP! I'm sure other people will end up in similar situations and your experience could help them.
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Clay blendedgen
•Will do! Thanks everyone for all the advice. Going to call Washington ESD first thing Monday morning.
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Hattie Carson
One last thought - if the overpayment amount is significant, you might want to consult with a benefits attorney. Some will do free consultations and might be able to help negotiate with Washington ESD.
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Clay blendedgen
•I hadn't thought of that option. Thanks for mentioning it!
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Kai Santiago
•Before going the attorney route, I'd still try Claimyr first. Much less expensive and you might be able to resolve it directly with Washington ESD.
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