Can you get short term disability and unemployment at the same time in Washington state?
I'm dealing with a complicated situation right now. I was laid off from my job in November and have been collecting unemployment through Washington ESD. Now I'm having some health issues that might qualify me for short-term disability benefits through my former employer's insurance. Can I collect both at the same time? I don't want to mess up my UI claim or get in trouble for double-dipping. Has anyone been in this situation before?
56 comments


Alfredo Lugo
Generally speaking, you cannot collect both unemployment and disability benefits simultaneously in Washington state. The reason is that unemployment requires you to be able and available for work, while disability benefits are for when you're unable to work due to a medical condition. These are contradictory states.
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Gianna Scott
•That makes sense, but what if my disability is only partial? Like I can work but with restrictions?
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Alfredo Lugo
•Even with partial disability, Washington ESD requires you to be available for full-time work to qualify for UI benefits. You'd need to choose one or the other.
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Sydney Torres
I tried to do this last year and Washington ESD made me choose. You have to certify each week that you're able and available for work when you file your weekly claim. If you're on disability, you're basically saying you're NOT able to work.
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Gianna Scott
•Did you have to pay anything back when you switched?
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Sydney Torres
•No, as long as you stop one before starting the other you should be fine. Just don't overlap the benefits.
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Kaitlyn Jenkins
This is actually a really common question and the rules are pretty strict. You need to contact Washington ESD directly to discuss your specific situation. I had a similar issue and used Claimyr to get through to an actual agent - way easier than trying to call the regular number. Check out claimyr.com, they have a video demo at https://youtu.be/7DieNd3C7zQ that explains how it works.
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Gianna Scott
•Thanks for the tip! I've been trying to call Washington ESD for days but can never get through.
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Caleb Bell
•I used Claimyr too after spending weeks trying to reach someone. Definitely worth it when you need answers about complex stuff like this.
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Danielle Campbell
the system is so confusing! why cant they just let you get both if you need them??? I'm in a similar boat with a back injury but still need money coming in
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Alfredo Lugo
•I understand the frustration, but the programs have different purposes. Unemployment is for people who are ready to work but can't find jobs. Disability is for people who can't work due to medical issues.
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Danielle Campbell
•yeah but what if you're somewhere in between? the system doesn't account for that
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Rhett Bowman
You definitely need to stop your UI claims before applying for disability. I made the mistake of not reporting this properly and had to deal with an overpayment situation. Washington ESD takes this stuff seriously.
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Gianna Scott
•Oh no, how much did you have to pay back?
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Rhett Bowman
•About $2,800 for the weeks I was collecting both. Learned my lesson the hard way.
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Abigail Patel
What about FMLA? Can you use that while on unemployment?
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Alfredo Lugo
•FMLA is job protection, not a benefit payment. If you're unemployed, you don't have a job to protect, so FMLA doesn't apply.
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Abigail Patel
•Ah got it, thanks for clarifying that
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Gianna Scott
So if I understand correctly, I need to choose between continuing my unemployment claim or applying for short-term disability? There's no way to do both even if my condition is temporary?
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Kaitlyn Jenkins
•Correct. Even if your disability is temporary, you still can't collect both simultaneously. You'd need to stop UI, collect disability while you recover, then reopen your UI claim when you're able to work again.
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Gianna Scott
•Can I reopen my UI claim later without losing benefits?
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Kaitlyn Jenkins
•Yes, as long as you're within your benefit year and have remaining balance, you can reopen your claim. But definitely confirm this with Washington ESD.
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Daniel White
I went through this exact situation two years ago. Had to choose between my UI benefits and short-term disability after a surgery. The disability paid more so I went with that, then reopened my unemployment claim after I recovered.
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Gianna Scott
•How long did it take to reopen your UI claim?
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Daniel White
•About a week to process, but I had to do a phone interview to verify I was able to work again.
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Caleb Bell
The key thing is being honest about your situation. Don't try to hide the disability from Washington ESD or hide the unemployment from your disability provider. They can cross-reference these things.
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Gianna Scott
•Good point. Better to be upfront than deal with overpayment issues later.
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Nolan Carter
Wait, what if the short-term disability is through your former employer but you're looking for a new job? Can you collect UI while looking and then start disability if you don't find anything?
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Alfredo Lugo
•No, that's not how it works. If you qualify for disability benefits, it means you're unable to work. You can't be 'unable to work' for disability purposes but 'able and available' for unemployment purposes.
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Nolan Carter
•These rules are so frustrating when you're dealing with real life situations
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Sydney Torres
Have you looked into Washington State's Paid Family and Medical Leave program? That might be different from short-term disability through your employer.
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Gianna Scott
•I haven't looked into that yet. Is that something you can get while on unemployment?
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Sydney Torres
•I'm not sure, but it's worth checking out. The rules might be different since it's a state program.
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Natalia Stone
This happened to my sister last year. She was collecting unemployment when she got into a car accident. Had to stop the UI claim immediately and apply for disability instead. Washington ESD was pretty understanding about the situation when she explained it.
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Gianna Scott
•That's good to hear that they were understanding. I'm worried about how to handle the transition.
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Kaitlyn Jenkins
For situations like this, I really recommend using Claimyr to speak with a Washington ESD representative. The rules around concurrent benefits are complex and your specific medical situation might have nuances that affect your eligibility. Better to get official guidance than guess.
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Gianna Scott
•Yeah, I think I need to talk to someone directly. The online information is confusing.
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Tasia Synder
•Claimyr saved me so much time when I had questions about my claim status. Highly recommend it for getting through to actual people at Washington ESD.
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Selena Bautista
Just remember that if you're receiving short-term disability, you'll need to report that income when you eventually restart your unemployment claim. They ask about all income during your certification.
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Gianna Scott
•Good reminder. I want to make sure I'm reporting everything correctly.
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Danielle Campbell
this whole system is designed to make things as complicated as possible for people who are already struggling smh
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Mohamed Anderson
•I get the frustration, but the rules exist to prevent fraud and ensure benefits go to people who qualify for them.
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Danielle Campbell
•yeah but when you're hurt and need money it feels like they're making you jump through hoops
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Ellie Perry
One thing to consider is which benefit pays more and for how long. Short-term disability might pay a higher percentage of your salary but for a limited time, while unemployment could last longer but pay less.
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Gianna Scott
•That's a good point. I need to calculate which option makes more financial sense for my situation.
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Landon Morgan
Make sure you understand the timeline too. Some short-term disability policies have waiting periods before benefits kick in, while unemployment is usually available right away if you qualify.
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Gianna Scott
•My employer's STD policy has a 7-day waiting period, so that's something to factor in.
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Teresa Boyd
I would document everything - when you stop UI, when you start disability, medical records, communications with both programs. Keep a paper trail in case there are any questions later.
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Gianna Scott
•Great advice. I'll start keeping better records of all my communications.
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Kaitlyn Jenkins
Bottom line - contact Washington ESD before making any changes to your claim. Explain your medical situation and get their guidance on the proper way to transition from UI to disability benefits. Using a service like Claimyr can help you actually reach someone who can give you official guidance rather than forum speculation.
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Gianna Scott
•Thank you everyone for all the advice. I'm going to contact Washington ESD directly to discuss my specific situation before making any decisions.
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Lourdes Fox
•Smart move. Better to get official guidance than risk messing up your benefits.
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Bruno Simmons
Hope everything works out for you OP. Health issues are stressful enough without worrying about benefits complications.
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Gianna Scott
•Thank you, I really appreciate all the support and information from everyone here.
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Ruby Knight
I went through something similar a few months ago. The key is timing and communication. When I realized I needed to switch from UI to short-term disability, I called Washington ESD first to let them know I was stopping my claim due to a medical condition. Then I applied for the STD benefits through my former employer. Make sure there's no overlap in the dates - even one day can cause problems. Also, keep all your medical documentation organized because both programs may request it. The transition back to UI later was smoother because I had been upfront about everything from the start.
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AstroAce
•This is really helpful! Did you have to do anything special to notify Washington ESD that you were stopping your claim for medical reasons, or was it just a regular claim closure? I'm worried about making sure I do this the right way so I don't run into issues when I try to reopen my claim later.
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