Does military retirement pay affect Washington ESD unemployment benefits eligibility?
I'm a retired Navy veteran who's been getting my military retirement pension for about 8 months now. Just got laid off from my civilian job last week and need to file for unemployment benefits through Washington ESD. I'm worried that my military retirement pay might disqualify me or reduce my weekly benefit amount. Has anyone dealt with this situation before? I can't find clear information on the Washington ESD website about how military pensions are treated. My retirement pay is around $2,100 per month if that matters.
53 comments


Sean Fitzgerald
Military retirement pay shouldn't disqualify you from unemployment benefits in Washington. The key thing is that your retirement pay isn't considered wages from employment - it's a pension. Washington ESD looks at whether you're able and available for work, not your other sources of income like pensions or retirement benefits.
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Anastasia Kuznetsov
•That's a relief to hear! So I should be able to file my initial claim without any issues then?
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Sean Fitzgerald
•Yes, but make sure to report it accurately on your application. They'll ask about other income sources during the filing process.
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Zara Khan
I went through this exact situation last year when I got laid off. Military retirement pay does NOT count against your unemployment benefits in Washington state. I was getting about $1,800/month in retirement and still received my full UI benefits. The Washington ESD rep I spoke with explained that pensions are treated differently than wages from work.
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Anastasia Kuznetsov
•Did you have any trouble getting through to talk to someone at Washington ESD? I'm trying to call but keep getting busy signals.
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Zara Khan
•Oh man, calling Washington ESD is a nightmare. I must have tried 200+ times before getting through. Took me weeks to get answers.
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MoonlightSonata
•Have you tried using Claimyr? I found it through this video demo https://youtu.be/7DieNd3C7zQ and it actually got me connected to a Washington ESD agent in under 10 minutes. Way better than spending hours redialing.
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Mateo Gonzalez
Wait, I'm confused. Don't they reduce your benefits if you have other income? I thought ANY income affected your unemployment amount?
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Sean Fitzgerald
•Not all income is the same. Work wages get deducted from your weekly benefit amount, but pensions and retirement pay don't. There's a big difference between earned income and pension income.
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Mateo Gonzalez
•Oh okay that makes sense. So it's only if you're working part-time or something that they reduce your benefits?
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Nia Williams
•Exactly. If you work and earn wages while collecting unemployment, those wages can reduce your weekly benefit. But military retirement, social security, or other pensions don't count the same way.
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Luca Ricci
Be careful about this though - I've heard different things from different people. Some say military retirement counts, some say it doesn't. The Washington ESD website isn't very clear about it either.
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Sean Fitzgerald
•The confusion comes from people mixing up different types of income. Military retirement pay is specifically excluded from the calculation of unemployment benefits in Washington state.
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Luca Ricci
•Where can I find that in writing? I want to make sure I'm giving my brother correct information.
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Aisha Mohammed
ugh the whole system is so confusing!! I'm also military retired and been putting off filing because I wasn't sure. This thread is helpful but I wish Washington ESD would just make it clearer on their website.
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Anastasia Kuznetsov
•I totally agree! The website has so much information but it's hard to find specific answers to these kinds of questions.
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Aisha Mohammed
•exactly! and good luck calling them to ask... I've tried like 50 times this week
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Nia Williams
For everyone asking about this - Washington State law specifically states that military retirement pay is not considered disqualifying income for unemployment benefits. You still need to meet all the other requirements (able and available for work, actively seeking employment, etc.) but the retirement income itself won't affect your eligibility or benefit amount.
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Anastasia Kuznetsov
•Thank you for the clarification! Do you know if there's a specific RCW section that covers this?
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Nia Williams
•It's covered under RCW 50.20.050 which deals with disqualifying income. Military retirement pensions are specifically excluded from the definition of disqualifying income.
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Zara Khan
•This is exactly what the Washington ESD agent told me when I finally got through to them. Wish I had found this information sooner!
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MoonlightSonata
Just wanted to follow up on my earlier comment about Claimyr - I used it again this week to get help with a different issue and it worked great. Really worth checking out claimyr.com if you need to actually talk to someone at Washington ESD instead of just waiting on hold forever.
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Aisha Mohammed
•Is it expensive? I'm already stressed about money since I lost my job.
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MoonlightSonata
•It's totally reasonable for what you get. Way better than losing days of work trying to call on your own. The peace of mind is worth it.
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Mateo Gonzalez
•I might try this too. I've been trying to call about my adjudication for weeks with no luck.
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Ethan Campbell
Question - do you have to report the military retirement pay amount when you file your weekly claims? Or just when you initially apply?
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Sean Fitzgerald
•You report it on your initial application and then it's in your file. You don't need to report it again on weekly claims since it's not changing and it's not earned income from work.
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Ethan Campbell
•Got it, thanks! That makes the weekly filing process easier.
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Luca Ricci
So if I'm understanding correctly - military retirement pay won't affect my unemployment benefits at all? Even if it's a pretty substantial amount?
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Nia Williams
•Correct. The amount doesn't matter - whether it's $500/month or $5000/month, military retirement pay is treated the same way under Washington unemployment law.
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Luca Ricci
•Awesome, that's really good to know. I was worried I might not qualify because my retirement pay is pretty decent.
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Zara Khan
One thing to keep in mind - while military retirement pay doesn't affect your unemployment benefits, if you go back to work part-time or do any consulting work, THOSE wages will affect your weekly benefit amount. Just wanted to make that distinction clear.
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Anastasia Kuznetsov
•Good point! So it's really about whether the income is from current work vs. past service.
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Zara Khan
•Exactly! Current work earnings get deducted, but past service pensions don't.
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Yuki Watanabe
This is super helpful info. I'm in the same boat - retired Air Force getting laid off next month. Glad to know I don't have to worry about my retirement pay affecting my UI benefits.
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Anastasia Kuznetsov
•Yeah, this thread has been really reassuring. I'm going to file my claim this weekend now that I know it won't be an issue.
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Yuki Watanabe
•Same here. Thanks everyone for sharing your experiences!
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Sean Fitzgerald
Just to wrap this up with the key points: 1) Military retirement pay does NOT disqualify you from unemployment benefits in Washington, 2) It does NOT reduce your weekly benefit amount, 3) You do need to report it on your initial application, 4) You still need to meet all other eligibility requirements like job search activities.
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Anastasia Kuznetsov
•Perfect summary! This should be pinned somewhere for other veterans to find.
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Aisha Mohammed
•Seriously, this thread answered more questions than the entire Washington ESD website!
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Carmen Sanchez
Does this apply to other types of military benefits too? Like VA disability payments?
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Sean Fitzgerald
•VA disability is also generally not counted as disqualifying income, but that's a separate category from military retirement pay. Both are usually fine but always good to double-check.
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Carmen Sanchez
•Thanks! I get both so wanted to make sure I understood correctly.
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Andre Dupont
I tried using that Claimyr service someone mentioned and it actually worked! Got connected to a Washington ESD agent in about 15 minutes instead of calling for hours. Really helped me get my questions answered about my claim status.
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MoonlightSonata
•Glad it worked for you too! It's been a game-changer for actually getting through to Washington ESD when you need real answers.
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Aisha Mohammed
•Okay you guys have convinced me. Going to try Claimyr tomorrow for my adjudication question.
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Anastasia Kuznetsov
Update: I filed my initial claim today and everything went smoothly. I reported my military retirement pay as requested and it didn't cause any issues. Thanks everyone for the helpful advice!
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Zara Khan
•Great to hear! The hardest part is usually just getting accurate information upfront.
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Yuki Watanabe
•Awesome! I'm filing mine this weekend. Thanks for the update.
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Zoe Papadakis
For anyone else reading this thread later - make sure you keep good records of your job search activities. The military retirement pay won't be an issue but you still need to meet the work search requirements.
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Anastasia Kuznetsov
•Good reminder! I've been tracking my applications in a spreadsheet since I started my job search.
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Zoe Papadakis
•Smart approach. Washington ESD can ask for proof of your job search activities so it's good to stay organized.
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Zoe Papanikolaou
This thread has been incredibly helpful! I'm also a military retiree (Army, 22 years) who just got laid off from my tech job. I was really worried about how my retirement pay would affect my unemployment benefits, but reading everyone's experiences here has put my mind at ease. It's reassuring to know that Washington state specifically excludes military retirement pay from disqualifying income. I'm going to file my claim this week. Thanks to everyone who shared their knowledge and experiences - this is exactly the kind of real-world information that's hard to find elsewhere!
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