ESD collections notice for sister's overpayment - POA struggling to get waiver
I'm completely lost dealing with my sister's ESD overpayment situation. She received UI funds during 2020, then got a notice saying it was paid in error and she needed to repay. When I was cleaning her house recently, I found an appeal letter from March 2022 that she never acted on. Now she's living in assisted care, can't make decisions for herself, and I'm her legal Power of Attorney. I've tried making some small payments toward her debt, but finances are extremely tight. Recently we received a letter mentioning a possible waiver of the overpayment amount, which would be a lifesaver, but I CAN'T get through to anyone about applying for this waiver! Now we've received a collections notice with a phone number. When I call, I get transferred to other departments, put on hold forever, disconnected, or stuck in automated menus that don't address our situation. How do I actually reach a human who can help with this overpayment waiver since I'm acting as her POA? Can the collections process be paused while we pursue the waiver option?
18 comments


Giovanni Marino
You need to focus on two separate issues here: 1) Getting the overpayment waiver application processed, and 2) Handling the collections process. For the waiver, you'll need to submit Form ESD 640-050 (Overpayment Waiver Application) along with documentation proving financial hardship and your POA documents. You should also request a "stay" on collections while the waiver is being processed. Send these via certified mail to the Office of Administrative Hearings (OAH) with your sister's claim ID number clearly marked. Also include a cover letter explaining the situation with her inability to respond to the original 2022 appeal notice due to her condition.
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Amara Okonkwo
•Thank you so much for that specific form number! I had no idea which form to even look for. Do you know if there's a time limit for requesting the waiver? I'm worried that since we missed the original appeal deadline in 2022, they might automatically deny any waiver request now. Also, where exactly do I find Form ESD 640-050? I've been all over the website.
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Fatima Al-Sayed
I went through something similar with my dad's overpayment when he had a stroke. The collections department is separate from the benefits people, so they don't talk to each other well. What worked for me was using Claimyr (claimyr.com) to actually get through to a real ESD agent instead of the endless hold/disconnect cycle. They have a video showing how it works: https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3 Once I got through to a real person, I explained I had POA and they transferred me to their special circumstances team. They put a 30-day hold on collections while I submitted the waiver application. Definitely mention your sister's medical condition and inability to respond to the original notices - that's a valid reason for them to consider.
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Amara Okonkwo
•Thank you for sharing your experience! It's such a relief to hear from someone who's been through this. I'll check out that Claimyr service - at this point I'm willing to try anything to get through to an actual person. Did you have to provide your POA documentation before they would talk to you about her account? And did they eventually approve the waiver in your dad's case?
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Fatima Al-Sayed
•Yes, I had to email them my POA documents before they would discuss specifics. Once I did that, they noted it in the system. For my dad, they approved a partial waiver - they reduced the amount by about 70% and gave us a 24-month payment plan for the rest. Definitely emphasize the medical circumstances and financial hardship in your application. And keep detailed notes of every call - names, ID numbers, what was discussed. The system is frustrating but persistence pays off.
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Dylan Hughes
Why is everyone so nice about this??? The ESD system is BROKEN! They hand out money then decide months or YEARS later they want it back! My cousin got hit with a $8700 bill 18 months after her claim and when she tried to appeal they said "too late" even though they sent the notice to her old address! Now they're garnishing her wages! OP you better fight this with everything you've got because once it hits collections they DO NOT CARE about medical issues or POA or anything else. The whole system is designed to wear people down until they give up.
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NightOwl42
•While I understand your frustration, this isn't particularly helpful for OP's specific situation. The collections process for ESD overpayments actually does have provisions for hardship cases, especially with medical documentation and proper POA filing. It's important to distinguish between general complaints and actionable advice for someone trying to navigate a complex system.
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Dylan Hughes
•Fine whatever. I'm just warning that "provisions" and what actually happens are two different things. But go ahead and keep believing the system works if it makes you feel better.
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Sofia Rodriguez
have you tried calling the Office of Special Investigations? thats who handles the overpayments and waiver requests. i think the number is 866-697-4831 or something close to that. thats who i had to talk to about my overpayment last year
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Amara Okonkwo
•I'll try that number tomorrow morning. Is there a specific time of day that's better for getting through? And did you have to wait a long time on hold?
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Sofia Rodriguez
•i called right when they opened at 8am and only waited like 10 minutes. way better than the regular esd line where i was on hold for 3 hours once!!
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NightOwl42
As someone who deals with ESD cases professionally, here's what you need to know about overpayment waivers when you're acting as POA: 1. The collections department (Office of Financial Recovery) is separate from the benefits department. You need to contact OFR directly at 360-486-5817 to request a temporary hold. 2. For the waiver, complete Form 640-050 which you can find here: https://esd.wa.gov/unemployment/overpayments 3. Include with your application: copy of your POA documentation, medical documentation of your sister's inability to respond to the original appeal, financial statements showing hardship, and a detailed letter explaining the timeline. 4. Submit everything via certified mail AND upload to her online account if possible. 5. Follow up with a phone call 7-10 business days after submission to confirm receipt. The fact that she has medical issues that prevented her from responding to the original appeal is actually grounds for reopening the appeal period, so mention that specifically.
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Amara Okonkwo
•Thank you so much for this comprehensive information! I didn't realize I could potentially reopen the appeal period - that's incredibly helpful. One question - the website says I need to provide financial statements showing hardship. Would my sister's care facility bills and my documentation of her limited income be sufficient? Her only income is Social Security disability.
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NightOwl42
•Yes, exactly that type of documentation is perfect. Include Social Security benefit statements, care facility bills, bank statements showing her current balance, and any recurring medical expenses. The key is demonstrating that repayment would cause financial hardship given her current situation. If her care needs would be compromised by repayment, make that very clear in your letter.
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Dmitry Ivanov
u might want 2 contact ur state representative too!! my mom had a similr problem with L&I (not ESD but similar) and was getting nowhere for MONTHS!!! then she emailed our state rep and suddenly got a call back from a supervisor within 2 days. worth a try since its not costing u anything.
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Giovanni Marino
•This is excellent advice. Legislative assistance can be very effective for breaking through bureaucratic roadblocks. You can find your representatives at app.leg.wa.gov/districtfinder. Their constituent services staff are typically very responsive to these kinds of issues.
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Ava Thompson
I'm confused about one thing - how much is the overpayment? If it's less than $1,000, sometimes it's not worth all this hassle and might be easier to just set up a small monthly payment plan. But if it's several thousand, definitely pursue the waiver aggressively. Also, check if they added penalties or interest to the original amount, as those can sometimes be waived separately from the principal amount.
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Amara Okonkwo
•It's a substantial amount - just over $6,400. My sister only received benefits for about 3 months in 2020, but apparently they determined she wasn't eligible for any of it. There's also around $800 in penalties added on. Even a small monthly payment is difficult given her care costs now, but you're right that the amount makes it worth pursuing all options for waiver or reduction.
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