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Amina Sow

Does the company pay for unemployment benefits in Washington state?

I'm confused about how unemployment insurance works. When I file for UI benefits with Washington ESD, does my former employer have to pay for my benefits directly? My coworker said companies pay into unemployment but I'm not sure if that means they pay for my specific claim. Can someone explain how this actually works?

Your employer doesn't pay your benefits directly. All Washington employers pay unemployment insurance taxes to fund the system. When you get approved for UI, Washington ESD pays you from that pooled fund.

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Amina Sow

Author

So my employer can't refuse to let me get benefits because they don't want to pay?

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Exactly! They already paid their taxes. They can contest your claim if they think you don't qualify, but they can't stop you from filing.

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The employer tax rate can go up if they have lots of claims though. That's why some employers fight legitimate claims - they're trying to keep their tax rate low.

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That's messed up! So they make it harder for people who legitimately need help?

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Unfortunately yes. Some employers will contest everything hoping people won't appeal or will give up.

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I've been trying to call Washington ESD for weeks to ask about this exact thing but can never get through! The phone system is impossible.

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Have you tried using Claimyr? I found out about it from someone on Reddit. It's at claimyr.com and they have a demo video at https://youtu.be/7DieNd3C7zQ. They help you get through to actual Washington ESD agents.

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Never heard of that. Does it actually work?

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Worked for me! Got through in like 20 minutes after trying for weeks on my own.

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The whole system is rigged against workers. Employers pay pennies in taxes but fight every claim to save money.

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While I understand the frustration, the system does work for most people who qualify. The key is understanding your rights.

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Easy to say when you're not the one fighting a bogus contest from your employer.

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Amina Sow

Author

So if I was laid off, my employer can't stop me from getting benefits just because they don't want their taxes to go up?

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Correct. If you were laid off through no fault of your own, you should qualify. They can provide information to Washington ESD but can't veto your claim.

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Amina Sow

Author

That's a relief. I was worried they could somehow block it.

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my boss told me i couldnt file because it would cost the company money

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Your boss is wrong or lying. You have the right to file for unemployment if you qualify. Don't let them intimidate you.

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thanks i thought that sounded fishy

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The tax system is actually pretty fair. High-turnover companies pay more, stable companies pay less. It incentivizes good employment practices.

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Fair? Tell that to someone whose legitimate claim gets contested by a vindictive employer.

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That's why we have the appeal process. Yes it's frustrating but the system has checks and balances.

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This reminds me of when I got laid off in 2023. My company's HR kept telling people not to file because it would hurt the company. Total BS.

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That's actually illegal interference with unemployment benefits. Companies can't discourage eligible workers from filing.

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Wish I had known that then. I waited two weeks before filing because of what they said.

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Wait so every employer in Washington pays into unemployment insurance whether they have claims or not?

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Yes, it's required. All employers pay unemployment insurance taxes based on their payroll. It's like any other insurance system - everyone pays in, those who need benefits get them.

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That makes sense. I thought it was more like workers comp where you only pay if you have claims.

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The rates vary by industry too. Construction and seasonal work typically have higher rates because of more layoffs.

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Makes sense. I work in landscaping and we get laid off every winter.

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Exactly, so landscaping companies pay higher UI tax rates to account for that predictable seasonality.

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I'm still confused about whether my specific benefits come from my employer's account or some general fund?

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General fund. All employer taxes go into one big pool that Washington ESD manages. Your benefits come from that pool, not directly from your former employer.

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Thanks, that clears it up. So my employer already paid their part regardless of whether I file or not.

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Pro tip: if your employer contests your claim, don't panic. Most contests are automatic and don't mean you won't get benefits if you actually qualify.

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Good to know! I was freaking out when I got the notice about my employer responding to my claim.

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Yeah, Washington ESD investigates and makes the decision based on facts, not just what the employer says.

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Does anyone know if there's a limit to how much an employer's tax rate can go up?

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Yes, there are caps. The rates are published annually by Washington ESD. Even the highest-risk employers have a maximum rate they can be charged.

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That's probably why some employers fight claims even when they know they'll lose - they're already at the cap anyway.

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this whole thread is helpful! i had no idea how any of this worked

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Amina Sow

Author

Same here! I feel way more confident about filing now.

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right? i was scared my boss would get mad but now i know its not even their money

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Just want to add that if you're having trouble reaching Washington ESD to ask questions about this stuff, I had success with that Claimyr service someone mentioned earlier. Really helped me get through to an actual person.

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How much does that cost though?

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I'd rather pay a little to actually talk to someone than waste weeks trying to get through on my own. The peace of mind was worth it.

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Bottom line: file if you think you qualify. Don't let employers scare you with talk about costs - they already paid their taxes.

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Amina Sow

Author

Exactly what I needed to hear. Filing my claim tonight!

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Good luck! Remember to keep track of your job search activities for the weekly claims.

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