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Owen Jenkins

Does your old job pay for unemployment benefits in Washington state?

I just got laid off from my warehouse job last week and I'm confused about how unemployment works. Does my previous employer actually pay my unemployment benefits directly? Or does Washington ESD pay me and then bill my old company? I heard conflicting things from coworkers and want to understand before I file my claim. Also wondering if this affects whether they can contest my claim or not.

Your employer doesn't pay you directly. Washington ESD pays your benefits from the unemployment insurance fund, which is funded by payroll taxes that employers pay throughout the year. Think of it like insurance - employers pay premiums (taxes) and then claims are paid out of that pool when needed.

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That makes sense, so it's like they're paying into a big pot that everyone draws from when they need it?

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Exactly! And the amount employers pay depends on their history of layoffs and claims from former employees.

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yeah but your employer can still fight your claim if they think you quit or got fired for misconduct. happened to my buddy last month and he had to go through a whole appeal process

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Oh no, really? I was definitely laid off due to lack of work, so hopefully that won't be an issue.

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If you were laid off for lack of work, you should be fine. Just make sure to be honest on your application about the reason for separation.

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I had such a hard time getting through to Washington ESD when I had questions about my claim. Spent hours on hold and kept getting disconnected. Finally found this service called Claimyr that actually got me through to a real person at Washington ESD in like 15 minutes. Check out their demo at https://youtu.be/7DieNd3C7zQ - totally worth it when you're stressed about your claim.

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How much does something like that cost? I'm already tight on money being unemployed.

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I don't remember the exact price but it was reasonable considering I was losing my mind trying to get answers. Way better than sitting on hold for hours every day.

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I'll keep that in mind if I run into issues. Hopefully the filing process goes smoothly.

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To clarify the payment structure: Washington employers pay unemployment insurance taxes based on their payroll and their experience rating. Companies with more claims against them pay higher rates. The money goes into the state unemployment trust fund, and that's where your benefits come from. Your employer gets notified when you file but they don't pay you directly.

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So if a company lays off a bunch of people, their taxes go up the next year?

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Yes, their experience rating gets worse and they pay higher rates. It's designed to encourage employers to maintain stable employment when possible.

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whatever you do file ASAP! there's a waiting period and you don't get paid for the first week anyway. the sooner you file the sooner you start getting benefits

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Thanks, I was planning to file today. Do I need to wait until I officially receive my final paycheck?

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No, you can file as soon as you're unemployed. Just report any final pay you receive on your weekly claims.

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The whole system is so confusing honestly. Like why don't they just explain this stuff clearly on the website? I had to call like 5 times to understand how my benefit amount was calculated.

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right?? and good luck actually getting someone on the phone at Washington ESD

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That's why services like Claimyr exist - because the regular phone system is basically broken. I used claimyr.com when my claim got stuck in adjudication and finally got answers.

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Update: I filed my claim online this morning. The process was actually pretty straightforward, just had to answer questions about my work history and why I'm unemployed. Now I wait to see if it gets approved. Thanks everyone for explaining how the payment system works!

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Good job getting it filed quickly! You should hear back within a week or two about your eligibility.

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don't forget you have to file weekly claims even while you're waiting for the initial determination

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Oh I didn't know that, thanks for the heads up!

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One thing to keep in mind - if your employer contests your claim saying you were fired for cause or quit, the process can take longer. I had to provide documentation and do a phone interview when my old boss tried to say I was fired for attendance issues (which wasn't true).

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How did that turn out? Were you able to prove they were wrong?

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Yeah, I had my timesheets and emails showing I followed all the policies. Took about 6 weeks total but I got approved and even got back pay.

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Just want to add that you'll need to do job searches every week and keep a log. Washington requires 3 job search activities per week minimum. Don't skip this or you could lose your benefits!

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What counts as a job search activity? Just applying to jobs?

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Applying, networking events, career fairs, informational interviews, even updating your LinkedIn profile. There's a list on the Washington ESD website.

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You can also use WorkSourceWA to search and apply - that counts too and they track it automatically.

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Man I remember being so paranoid about every little detail when I first filed. Like I thought I had to save every single email and document forever. Turns out they really just want to make sure you're legitimately unemployed and looking for work.

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That's reassuring. I've been overthinking everything!

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Better to be overprepared than underprepared though. Keep records of your job searches at minimum.

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Your benefit amount is based on your earnings in your base period, which is usually the first 4 of the last 5 completed quarters before you filed. So if you filed in January 2025, they'd look at your wages from October 2023 through September 2024. Just FYI since you asked about payments.

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That's actually really helpful to know. I was wondering how they calculated the amount.

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And there's a maximum weekly benefit amount too - I think it's around $1000 now but changes each year.

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btw if you have any issues reaching Washington ESD by phone, that Claimyr thing someone mentioned earlier actually works. I was skeptical at first but when my claim got flagged for ID verification I couldn't get through the normal way. Claimyr got me connected and I sorted it out same day.

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Good to know there are options if I run into problems. Hopefully everything goes smoothly though.

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ID verification issues are super common right now. Glad you got yours resolved quickly.

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The employer notification thing freaked me out at first too. I thought my old manager would be mad at me for filing. But it's just automatic paperwork - they have to respond about the reason for separation but it's not personal.

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Yeah I was worried about that too. Thanks for mentioning it's just routine.

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Most employers don't even contest claims unless there's a real issue like misconduct or voluntary quit situation.

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Don't forget you can't collect unemployment while you're getting vacation pay or severance pay. Well, you can collect but you have to report it and they'll reduce your benefits accordingly. Found that out the hard way!

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I'm not getting any severance but that's good to know for the future.

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Yeah always report ALL income during your weekly claims. Better to be honest than risk an overpayment later.

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The whole system makes more sense once you understand that it's insurance, not welfare. Employers pay in, workers who lose jobs through no fault of their own can claim benefits. It's actually a pretty smart system when it works properly.

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That's a good way to think about it. Takes away some of the stigma I was feeling about filing.

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Exactly! You and your employer both paid into this system. You earned the right to use it when you need it.

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