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Ravi Sharma

Does disability count as income for Washington ESD unemployment benefits?

I'm currently receiving SSDI payments and just got laid off from my part-time job. I want to file for unemployment through Washington ESD but I'm confused about whether my disability payments count as income that would affect my weekly benefit amount. The Washington ESD website isn't super clear on this and I don't want to mess up my claim by reporting something wrong. Has anyone dealt with this situation before?

SSDI payments are not considered wages for unemployment purposes in Washington. You should still be eligible for UI benefits based on your work earnings. However, you'll need to report the disability income when you file your initial claim - Washington ESD needs to know about all income sources even if they don't affect your benefit calculation.

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Thanks! So I report it but it won't reduce my weekly benefit amount? That's a relief.

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This is correct. SSDI is based on your work history, not current employment, so it doesn't count as wages that would offset your UI benefits.

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I was in the exact same situation last year. Filed my claim online and included my SSDI info in the 'other income' section. Washington ESD didn't reduce my weekly benefits at all because of the disability payments. The key is being upfront about it when you file.

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That's exactly what I needed to hear. Did you have any issues with the able and available work search requirements?

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Not really, but I was already working part-time so Washington ESD knew I was able to work. You might need to address that specifically in your claim.

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Be careful though - if your disability prevents you from working full-time, that could affect your 'able and available' status for unemployment. Washington ESD requires you to be physically and mentally able to work and actively seeking employment. This is where a lot of people with disabilities run into problems with their claims.

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I was working 30 hours a week before the layoff, so I think I can show I'm able to work at least part-time.

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That should help your case significantly. Having recent work history while receiving SSDI demonstrates your ability to work.

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This is such a confusing area. I've seen people get denied because Washington ESD thought their disability made them unavailable for work, even when they were already working!

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I had trouble getting through to Washington ESD to ask about this exact question. Spent hours on hold trying to reach someone. Finally used claimyr.com to get connected to an actual agent who explained the whole process. They have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works. Made the whole thing so much easier than trying to call on my own.

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How much does that cost? I'm already dealing with a reduced income situation.

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It was worth it for me to get accurate information instead of guessing. The peace of mind knowing I was filing correctly was valuable.

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Never heard of this service before but anything that helps avoid the Washington ESD phone maze sounds good to me.

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wait so if I get VA disability payments does the same rule apply?? I've been putting off filing for unemployment because I thought it would mess up my benefits

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VA disability is also not considered wages for unemployment purposes. Same principle applies - report it but it shouldn't reduce your UI benefits.

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omg I could have been collecting unemployment this whole time... I've been out of work for 2 months

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File ASAP! You can only backdate unemployment claims in limited circumstances, so don't wait any longer.

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The key distinction is between 'earned income' and 'unearned income.' SSDI, VA disability, and similar payments are unearned income. Washington ESD only offsets unemployment benefits for earned income like wages, self-employment earnings, or pension payments from recent employment.

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This makes so much sense now. I was getting confused by all the different types of income rules.

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What about workers comp payments? Are those considered earned or unearned?

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Workers comp is typically considered unearned income, but if you're receiving workers comp, you might not be eligible for unemployment anyway due to the 'able and available' requirement.

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I'm a former Washington ESD employee and can confirm that SSDI does not reduce unemployment benefits. However, make sure you're honest about your work capacity when filing. If your disability significantly limits your ability to work, Washington ESD may question your eligibility. The fact that you were working part-time recently should help establish your work capacity.

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Thank you for the insider perspective! Should I mention my work limitations in my initial claim or wait until they ask?

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Be proactive about it. Explain your situation clearly in your initial claim and reference your recent work history as evidence of your ability to work within your limitations.

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This is really helpful advice. I wish more people knew that former employees sometimes participate in these forums.

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Filed my claim 3 weeks ago with SSDI income reported and still waiting for approval. Washington ESD is taking forever to process claims that involve any kind of disability income. Anyone else experiencing delays?

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Oh no, I was hoping it would be straightforward. How long are they saying it will take?

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They won't give me a timeline. Just says 'under review' in my account. Super frustrating.

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Mine took about 4 weeks but eventually got approved. Hang in there!

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The whole system is so confusing! I've been trying to call Washington ESD for weeks to ask this same question. Their phone lines are always busy and when I do get through, I get disconnected. How is anyone supposed to get answers?

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That's exactly why I ended up using Claimyr. The regular phone system is basically unusable.

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I might have to try that. This is ridiculous that we need a third-party service just to reach our own state agency.

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The phone situation with Washington ESD has been terrible for years. It's not just you.

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Quick update - I was in a similar situation and my claim was approved without any issues. The SSDI didn't affect my weekly benefit amount at all. Just make sure you keep reporting it on your weekly claims to stay compliant.

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That's great news! How long did the whole process take from filing to first payment?

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About 2 weeks for approval, then another week for the first payment to hit my account.

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That's pretty fast compared to what I'm hearing from other people lately.

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One thing to remember is that you'll still need to do the work search activities even if you're on SSDI. Washington ESD requires job search contacts unless you're specifically exempt. Being on disability doesn't automatically exempt you from the work search requirement.

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Good point! I was planning to start job searching anyway since I was working before.

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Yeah, the work search requirement catches a lot of people off guard. Make sure you're logging your activities properly.

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WorkSourceWA is where you'll track your job search activities. Set up your account there if you haven't already.

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Does anyone know if there are any special considerations for people who become disabled while already collecting unemployment? That's a different situation but I'm curious.

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That would likely affect your 'able and available' status and could impact your eligibility. You'd need to report the change to Washington ESD immediately.

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That makes sense. It's the opposite situation from the original question.

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I think if you become disabled while on unemployment, you might be able to switch to disability benefits instead, but you'd need professional advice for that.

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Just wanted to add that if you're getting both SSDI and unemployment, make sure you understand the tax implications. SSDI isn't usually taxable but unemployment benefits are. Don't get hit with a surprise tax bill next year!

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Good reminder! I'll make sure to have taxes withheld from my unemployment benefits.

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You can set up tax withholding when you file your weekly claims. It's an option in the system.

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Exactly! Much easier to have it withheld automatically than to owe a big chunk at tax time.

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I tried using that Claimyr service someone mentioned earlier and it actually worked great. Got connected to a Washington ESD agent within an hour instead of spending all day trying to call. They answered all my questions about disability income and unemployment. Definitely recommend it if you need to talk to someone directly.

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That's really helpful to know. I might use that if I run into any problems with my claim.

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An hour is amazing compared to the usual phone experience. I've spent entire days trying to reach someone.

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Right? It felt too good to be true but it actually worked exactly like they said it would.

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Bottom line - file your claim and be honest about all income sources. SSDI won't reduce your unemployment benefits, but hiding it could cause problems later. Washington ESD can access federal databases anyway, so there's no point in not reporting it.

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Perfect summary! I'm going to file my claim this weekend. Thanks everyone for all the helpful advice.

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Ava Kim

Good luck with your claim! Hope it goes smoothly for you.

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Make sure to keep copies of everything you submit, just in case you need to reference it later.

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I went through this exact situation about 6 months ago. The most important thing is to be completely transparent when you file - I listed my SSDI payments in the "other income" section and included a brief note explaining that I had been working part-time despite receiving disability benefits. Washington ESD didn't reduce my weekly benefit amount at all, and my claim was approved in about 10 days. The key is demonstrating that you're still able and available for work within your limitations. Since you were already working 30 hours a week, you have solid proof of your work capacity. Just make sure you're prepared to explain how your disability doesn't prevent you from seeking and accepting suitable employment.

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