Can you still get unemployment if you owe Washington ESD money from previous claim?
I'm in a tough spot and need to file for unemployment again, but I still owe Washington ESD about $2,800 from an overpayment they said I got two years ago. I've been making small payments when I can but haven't paid it off completely. Does anyone know if they'll let me file a new claim while I still owe them money? Or do I have to pay it all back first before I can get benefits again?
57 comments


Brandon Parker
You can definitely file a new claim even with an outstanding overpayment. Washington ESD will just deduct a portion of your weekly benefits to pay down the debt. Usually it's around 25% of your weekly benefit amount that gets held back.
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Chloe Zhang
•That's a relief! So if my weekly benefit would be $400, they'd give me $300 and keep $100 toward the debt?
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Brandon Parker
•Exactly right. They call it benefit offset and it's automatic once your new claim is approved.
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Adriana Cohn
Same thing happened to me last year. Had an overpayment from 2022 and when I filed again in 2024 they just took money out of each payment. Better than getting nothing at all!
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Chloe Zhang
•How long did it take for your new claim to get approved? I'm worried they might reject it because of the debt.
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Adriana Cohn
•Normal processing time, like 2-3 weeks. The debt doesn't affect whether you qualify for benefits, just how much you get paid.
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Jace Caspullo
Just went through this exact situation. If you're having trouble reaching Washington ESD to confirm your payment plan options, I found claimyr.com really helpful. They help you get through to an actual agent instead of waiting on hold forever. There's a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works.
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Chloe Zhang
•I've been trying to call for weeks! How much does that service cost?
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Jace Caspullo
•They focus on getting you connected quickly rather than having you waste hours calling. Worth checking out their site for details.
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Melody Miles
•Never heard of this but anything's better than calling 500 times and getting hung up on.
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Nathaniel Mikhaylov
The offset amount can vary depending on your situation. If you're experiencing financial hardship, you might be able to request a lower offset percentage. You'd need to contact Washington ESD to discuss hardship options.
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Chloe Zhang
•Good to know there might be options. With rent and utilities, even losing 25% would be tough.
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Nathaniel Mikhaylov
•Definitely worth asking about. They have forms for hardship requests but you'll need to provide documentation of your expenses.
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Eva St. Cyr
wait so they can just take money out of your benefits automatically?? that seems wrong
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Brandon Parker
•It's legal and standard practice for all state unemployment agencies. The alternative would be collections or wage garnishment which is worse.
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Eva St. Cyr
•i guess that makes sense but still sucks when you need the money
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Kristian Bishop
I'm dealing with something similar but my overpayment was from PUA during COVID. Does anyone know if those old pandemic benefits count the same way for offsets?
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Brandon Parker
•All overpayments get treated the same way regardless of which program they came from. PUA, regular UI, doesn't matter.
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Kristian Bishop
•Ugh, I was hoping those were different. Thanks for the info though.
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Jace Caspullo
Pro tip: make sure you keep making those voluntary payments even while you're getting benefits with the offset. It shows good faith and can help if you ever need to negotiate payment terms later.
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Chloe Zhang
•That's smart advice. I'll keep paying what I can on top of the automatic deductions.
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Kaitlyn Otto
Does the overpayment affect your credit score at all? I've been worried about that too.
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Nathaniel Mikhaylov
•Generally no, unemployment overpayments don't get reported to credit bureaus unless they go to collections. As long as you're making payments or have the offset happening, you should be fine.
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Kaitlyn Otto
•That's a huge relief, thank you!
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Melody Miles
The whole overpayment thing is such a scam anyway. Half the time it's their mistake and they want us to pay for it.
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Nathaniel Mikhaylov
•You can appeal overpayment determinations if you believe they were issued in error. There's a 30-day window from the notice date to file an appeal.
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Melody Miles
•Too late for me but good info for others. Wish I'd known that two years ago.
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Chloe Zhang
Update: I called Washington ESD this morning using that claimyr service someone mentioned and actually got through! The agent confirmed I can file my claim and they'll automatically offset 25% until the debt is paid. Going to file today.
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Jace Caspullo
•Awesome! Glad that worked out for you. The offset isn't fun but at least you'll have some income coming in.
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Adriana Cohn
•That's great news! How long were you on hold?
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Chloe Zhang
•Maybe 10 minutes total including getting connected. Way better than my usual experience calling directly.
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Brandon Parker
For anyone else in this situation, make sure you report the offset amount correctly on your taxes. The full benefit amount (before offset) is what's taxable, not just what you received.
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Chloe Zhang
•Good point, I wouldn't have thought of that. So if they send me $300 but my benefit was $400, I report the $400?
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Brandon Parker
•Correct. Washington ESD will send you a 1099-G showing the full amount before any offsets.
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Axel Far
This thread is super helpful! I've been putting off filing because I thought the overpayment would disqualify me completely.
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Nathaniel Mikhaylov
•Nope, the overpayment is completely separate from eligibility. As long as you meet the work history and other requirements, you should be fine.
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Eva St. Cyr
do they send you like a statement showing how much you still owe after each payment?
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Brandon Parker
•You can check your overpayment balance in your SecureAccess Washington account. It updates pretty regularly as payments are applied.
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Eva St. Cyr
•cool thanks, didnt know that was in there
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Jasmine Hernandez
What happens if you move to another state while you still owe money? Does it follow you?
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Nathaniel Mikhaylov
•Yes, interstate agreements mean overpayments can be collected even if you move. Other states can offset benefits or help with collections.
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Jasmine Hernandez
•Darn, was hoping I could escape it by moving to Oregon. Guess not!
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Jace Caspullo
One more thing - if you're self-employed or do gig work while collecting benefits, make sure you report that income correctly. You don't want to create another overpayment situation.
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Chloe Zhang
•Yeah, I learned that lesson the hard way the first time. This time I'm being super careful about reporting everything.
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Luis Johnson
Can you pay extra toward the overpayment to get it done faster? Like if I wanted to pay $200 instead of the $100 offset?
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Brandon Parker
•Yes, you can make additional payments online through SecureAccess Washington or mail checks. Any extra payments reduce the balance faster.
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Luis Johnson
•Perfect, I'd rather get it over with quickly.
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Melody Miles
Still think the whole system is messed up but at least they don't completely cut you off. Could be worse I guess.
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Adriana Cohn
•True, some states are way more strict about this stuff. Washington ESD isn't perfect but they're not the worst.
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Chloe Zhang
Thanks everyone for all the help! Filed my claim this afternoon and feeling much better about the situation. Hopefully it processes quickly.
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Jace Caspullo
•Good luck! Should be pretty straightforward since you've filed before.
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Brandon Parker
•Keep us posted on how it goes! Always helpful to hear about others' experiences.
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Ellie Kim
This whole thread has been super educational. I had no idea you could still get benefits with an outstanding overpayment. Bookmarking this for future reference!
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Nathaniel Mikhaylov
•Glad it was helpful! There's a lot of misinformation out there about unemployment rules.
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Fiona Sand
Quick question - does the 25% offset apply to the first week or does it start after the waiting week?
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Brandon Parker
•Washington ESD eliminated the waiting week, so offsets start with your first payable week. No delay.
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Fiona Sand
•Got it, thanks for clarifying that!
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