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Amara Okafor

Does spouse income affect Washington ESD unemployment benefits eligibility?

My husband just got laid off from his construction job and we're looking into filing for unemployment with Washington ESD. I work part-time making about $1,800/month at a retail store. Will my income disqualify him from getting unemployment benefits or reduce the amount he gets? We have two kids and really need his benefits to cover our mortgage. I've heard conflicting information about whether spouse income matters for Washington ESD claims.

No, your income won't affect his Washington ESD benefits at all. Unemployment is based only on his work history and earnings, not household income. He should definitely file as soon as possible since there's a waiting period.

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That's a huge relief! Should he file online or call Washington ESD directly?

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File online at esd.wa.gov - it's faster and you can track the claim status. Calling takes forever these days.

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Yeah spouse income doesn't matter but he needs to report ANY work he does even if it's just odd jobs. That includes if he helps friends with construction work for cash.

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Good point, he was thinking about doing some side work. How much can he earn before it affects his weekly claim?

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In Washington you can earn up to your weekly benefit amount minus $5 without any reduction. Anything over that gets deducted dollar for dollar.

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I had the same worry when my wife filed last year. Her benefits were based entirely on her own work record from the previous 5 quarters. My salary had zero impact on her weekly benefit amount or eligibility. Washington ESD only looks at the claimant's employment history.

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Did she have any trouble getting through to Washington ESD when she had questions about her claim?

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Oh man yes, the phone system is terrible. We found this service called Claimyr that actually got us through to a real person at Washington ESD. Check out claimyr.com - they have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works.

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wait so if I make 50k and my husband files for unemployment they don't care about my income?? that seems weird

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Nope, unemployment isn't based on need like welfare programs. It's insurance that workers pay into through payroll taxes. Your husband earned those benefits through his work history.

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oh ok that makes more sense. I thought it was like food stamps or something

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Construction worker here too. Make sure he files immediately - benefits are backdated to when you file, not when you were laid off. And Washington ESD will want documentation of the layoff if the employer doesn't report it properly.

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His company said they'd report it but should we get something in writing just in case?

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Definitely get a layoff notice or separation paperwork. Companies sometimes mess up the reporting and then your claim gets held up in adjudication.

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The only time spouse income might matter is if you're both filing for unemployment at the same time and there are questions about your household's job search efforts. But even then it's more about proving you're both actively looking for work.

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That's not our situation but good to know. Are there specific job search requirements for construction workers?

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Yes, Washington requires 3 job search activities per week. For construction that can include contacting contractors, checking union halls, or applying through WorkSource.

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I was so stressed about this same thing when I filed. Turns out I worried for nothing - my husband's income didn't matter at all. Just make sure your husband reports his earnings accurately if he does any work while collecting benefits.

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How long did it take for your benefits to start?

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About 2 weeks after filing, but that was before COVID. I hear it can take longer now if there are any issues with the claim.

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Just want to confirm what everyone else is saying - spouse income is totally irrelevant for Washington ESD benefits. The only income that matters is what the claimant earns while on unemployment.

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This is correct. I work for a non-profit that helps people with benefit applications and we get this question all the time.

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Thank you all so much! This has been really helpful and taken a lot of stress off our shoulders.

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One thing to watch out for - if your husband gets offered suitable work and turns it down, that could affect his benefits even if you have income. Washington ESD is pretty strict about the work search requirements.

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What counts as 'suitable work' for someone in construction?

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Generally work that matches his skills and pays at least 70% of his previous wage. But it gets complicated - if he has specialized skills like electrical work, they can't force him to take general labor jobs right away.

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Been through this process multiple times unfortunately. Your income won't affect his claim but make sure he files his weekly claims on time every week. Missing even one week can mess up the whole process.

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When are weekly claims due?

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You can file Sunday through Friday but most people do it Sunday morning. Just don't wait until the last minute in case the website is down.

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The Washington ESD website has all this info but honestly it's confusing to navigate. Your husband's benefits will be based on his highest earning quarter from the last 5 quarters before he filed. Your income doesn't factor in at all.

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Do you know how they calculate the weekly benefit amount?

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It's roughly 60% of his average weekly wage from his base period, but there's a minimum and maximum amount. The website has a calculator but it's not super user-friendly.

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Just make sure he's honest about everything on his application. Washington ESD cross-checks with employers and other agencies. Lying about household income or anything else can get his benefits stopped and create overpayment issues.

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We definitely plan to be completely honest. Better safe than sorry with government benefits.

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Smart approach. The penalties for fraud are severe and it's just not worth the risk.

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I had issues getting through to Washington ESD when I had questions about my claim status. Found out about Claimyr from someone on here and it was a lifesaver. They help you get through the phone system to actually talk to someone.

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How does that work? Do they just call for you?

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They navigate the phone system and get you connected to a real person. Way better than sitting on hold for hours. Check out their demo video to see how it works.

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Construction industry has a lot of seasonal layoffs so Washington ESD is used to processing these claims. As long as the layoff was through no fault of his own, your household income won't be a factor at all.

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It was definitely not his fault - the whole crew got laid off when the project ended.

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That's a textbook unemployment situation. He should have no problems getting approved as long as he meets the work history requirements.

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The system is designed so that workers can collect benefits they've earned regardless of their spouse's income. It's insurance, not welfare. Your husband paid into this system through his paychecks.

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Exactly! People sometimes confuse unemployment with need-based programs but it's totally different.

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That makes perfect sense when you explain it that way. Thank you!

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One tip - if his claim gets stuck in adjudication for any reason, don't just wait around. Contact Washington ESD to find out what's holding it up. Sometimes they need additional documentation that they don't tell you about.

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How long does adjudication usually take?

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Can be anywhere from a few days to several weeks depending on the issue. If it goes beyond 2 weeks, definitely try to contact them. That's where services like Claimyr can be really helpful for getting through.

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Been collecting unemployment three times over the last 10 years due to layoffs in my industry. Never once did my wife's income come up or affect my benefits. The only time they care about other income is if YOU work while collecting.

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Good to know from someone with experience. Any other tips for making the process go smoothly?

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File immediately, keep good records of your job search activities, and respond quickly to any requests from Washington ESD. Don't let anything sit.

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The confusion about spouse income is totally understandable since some government programs do consider household income. But unemployment benefits are specifically tied to the individual worker's employment history and earnings record.

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This whole thread has been so helpful. I feel much more confident about the process now.

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That's what this community is for! Good luck to your husband with his claim.

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Make sure he keeps track of all his job search activities from day one. Washington ESD can audit your job search log and ask for proof of the contacts you made. Better to be over-prepared than caught off guard.

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Should he start the job search right away or wait until benefits are approved?

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Start immediately. The job search requirements begin the week he files, not when benefits are approved. Keep detailed records of every application and contact.

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Last thing - if you guys have direct deposit set up, benefits usually come faster than waiting for a debit card in the mail. Just another small thing that can help speed up the process.

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Thanks for all the practical tips everyone. This has been incredibly helpful and reassuring.

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Hope everything works out for your family! The system isn't perfect but it's there to help when you need it.

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