ESD COVID overpayment notice of $10K after PFML application - need help!
I'm in a total panic right now. Just received a letter from ESD saying I owe back $10,000 in COVID-related unemployment benefits from 2020-2021. The crazy part is this only happened after I applied for Paid Family Medical Leave last month for recovery time from my back surgery. Now I'm worried about two things: 1) This massive overpayment I supposedly owe that I absolutely cannot afford, and 2) Will this mess up my PFML payments that I'm counting on while I recover? Has anyone dealt with both ESD and PFML systems clashing like this? I honestly reported everything correctly during COVID and don't understand why this is happening now, years later. Is there a way to request a waiver for the overpayment? And will this hold up my PFML benefits? I'm supposed to be focusing on recovery but instead I'm losing sleep over this.
19 comments


Lena Schultz
These systems sometimes don't communicate well, but they are different programs with different funding sources. Your PFML shouldn't technically be affected by an ESD overpayment issue, but it could create processing delays. For the overpayment, you need to appeal within 30 days of the notice date - this is critical. You can request a waiver by showing that repayment would cause financial hardship and that you didn't commit fraud. Get all your documentation from 2020-2021 showing your weekly certifications and any communications with ESD. The appeal form should have been included with your notice or you can find it on the ESD website.
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Caesar Grant
•Thank you! The letter arrived yesterday so I still have time. Do I need to continue communicating with PFML separately, or will the appeal process cover both issues? I'm worried about getting caught between the two systems.
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Gemma Andrews
omg they did this exact thing to me!!! but mine was $4700. i just got a letter saying i supposedly didnt report some work in 2021...but i KNOW i did!!! its like they just now looking at old claims or something???
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Caesar Grant
•Did you end up having to pay it back? Did you try appealing? I'm freaking out about how I'd come up with $10K while I'm already out of work for surgery.
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Pedro Sawyer
The ESD and PFML are completely separate departments even though they're both accessed through the same SecureAccess Washington portal. Your PFML claim should proceed normally regardless of any ESD overpayment issues. However, if they eventually try to garnish wages for the overpayment, it could potentially affect your PFML benefits since those are considered wage replacement. For now though, the two shouldn't directly impact each other.
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Caesar Grant
•That's somewhat reassuring, thanks. So should I be contacting both departments separately about this situation?
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Mae Bennett
THESE IDIOTS DO THIS ALL THE TIME!!!! The ESD system is BROKEN!! I had THREE different overpayment notices during covid and fought ALL of them and WON. They're hoping you'll just pay it without questioning it. DONT!!! Appeal every single penny and demand they prove exactly why you owe anything. They have the burden of proof NOT YOU!!! Make them work for it!!!
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Beatrice Marshall
•While I understand your frustration with ESD, they actually do need to document the reason for an overpayment in the notice. OP should have received paperwork explaining exactly which weeks were overpaid and why - such as unreported earnings, failure to look for work, or retroactive ineligibility. The appeal needs to address those specific issues with evidence, not just demand proof.
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Melina Haruko
Have you tried calling ESD directly to understand exactly why they're claiming an overpayment? It took me forever to get through to them after I got my notice last year, but when I finally did, they explained exactly which weeks were problematic and why. I recommend using Claimyr to get through to an ESD agent quickly (claimyr.com). I was skeptical at first, but their service actually worked and got me connected to ESD within 30 minutes when I'd been trying for days. They have a video showing how it works: https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3. Sorting out the overpayment details is step one before you can properly appeal or request a waiver.
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Caesar Grant
•Thanks for the tip! I've been calling the number on the letter but just get the automated system saying high call volume. I'll check out that service - I need to talk to a real human who can explain what's happening.
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Dallas Villalobos
my sister had something similar. she got the PFML for having a baby and then 2 weeks later got a overpayment from unemployment from like 2 years ago. she said they are seperate things tho and her PFML checks still came ok. but she still fighting the ESD thing with appeal
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Caesar Grant
•That's good to know her PFML payments weren't affected. I really need that income while recovering.
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Lena Schultz
To file for an overpayment waiver, you need to complete the ESD overpayment waiver application form. You'll need to provide financial information showing that repayment would cause significant hardship. ESD will consider factors like your income, expenses, assets, and whether the overpayment was your fault. If you can prove you provided all information correctly and the overpayment was due to ESD error, you have a stronger case. For your PFML, keep filing your weekly certifications as normal, but it might be worth calling them separately to ensure they're aware of the situation.
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Gemma Andrews
•do u know how long the waiver thing takes to get approved? ive been waiting 3 weeks and haven't heard anything back after i sent all my paperwork in :
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Pedro Sawyer
I used the overpayment waiver process successfully last year. The key things that helped my case were: 1) Proving I didn't intentionally provide wrong information, 2) Showing financial hardship with detailed budget docs, and 3) Demonstrating that I acted in good faith throughout. Make sure you respond to ALL their requests for information quickly. In my case, it took about 7 weeks to get approved, but I've heard it can take 2-3 months sometimes.
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Caesar Grant
•Thank you! Did you have to keep calling them for updates during those 7 weeks or did they contact you when they made a decision?
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Beatrice Marshall
One thing to be aware of - if you applied for PFML through your employer, they might have reported information about your work history that conflicts with what you reported to ESD during COVID. The systems do sometimes cross-reference data when new applications come in, which could have triggered this review of your past benefits. It doesn't mean you did anything wrong, but it's likely why this is happening now rather than before. When you appeal, make sure to address any potential discrepancies in reported work hours or income between what your employer might have submitted and what you certified during your unemployment period.
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Caesar Grant
•That makes a lot of sense actually. I did apply for PFML through my current employer, but during COVID I was working for a different company that went out of business. I wonder if that's where the conflict is happening.
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Andre Lefebvre
This is a really stressful situation, but you're not alone - many people are dealing with these delayed overpayment notices. The good news is that PFML and ESD unemployment are completely separate programs, so your medical leave benefits should continue while you sort this out. Focus on three immediate steps: 1) Appeal the overpayment within 30 days (you still have time since you got the letter yesterday), 2) Request the overpayment waiver application if you believe you reported everything correctly, and 3) Gather all your documentation from 2020-2021 including pay stubs, work schedules, and your weekly certifications. The timing with your PFML application likely triggered a data cross-check that flagged something - this doesn't mean you did anything wrong. Take it one step at a time and don't let this derail your recovery process.
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