ESD earnings limit for self-employed gig workers - will I lose benefits?
I recently started doing DoorDash and other gig work (filed as self-employed on my claim) while I continue looking for full-time employment. I'm trying to figure out the maximum I can earn each week without completely losing my UI benefits. Ideally I'd like to stretch my benefits out as long as possible while supplementing with gig income. I remember reading something about ESD potentially cutting off benefits if you earn above a certain threshold, but can't find the exact info now. I've tried calling ESD multiple times but can't get through. Does anyone know exactly how much I can earn before they cut off my benefits entirely? Is it a percentage of my weekly benefit amount or a fixed dollar amount? Thanks for any help!
20 comments
Sara Hellquiem
Yes, there definitely is a cap. You can earn up to your weekly benefit amount (WBA) plus $5 before your benefits are completely eliminated for that week. ESD uses a formula where they deduct 75% of your earnings from your weekly benefit. So if your WBA is $800, you could earn up to about $267 and still receive some unemployment ($800 - ($267 × 0.75) = $600). Once your earnings exceed $805 (WBA + $5), you'd receive $0 for that week, but you're still "on" unemployment - you'd just report your earnings and get $0 that week. Just make sure you report ALL earnings when you worked, not when you got paid.
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Oscar O'Neil
•Thank you! That makes a lot more sense. So if I understood correctly, my WBA is $725, so I could earn up to about $242 and still receive partial benefits ($725 - ($242 × 0.75) = $544). And I'd stop getting any benefits once I earn over $730 in a week. That helps a lot!
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Charlee Coleman
Careful with gig work... When I was doing Uber they counted my GROSS earnings not my actual profit after expenses!!!! Cost me 3 weeks of benefits before I figured it out... Still mad about it
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Oscar O'Neil
•Oh wow, I hadn't even thought about that! I've been tracking mileage and other expenses, but you're saying ESD only looks at the total amount before expenses? That's going to make a huge difference in my calculations.
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Sara Hellquiem
•That's an important point. For UI reporting purposes, ESD does typically want your gross earnings before expenses for gig work. You'll deduct those expenses on your taxes, but for weekly UI claims, report your total earnings before expenses.
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Liv Park
just watch out cuz if u mess up reporting they'll say you commited fraud and make u pay it ALL back plus penalties thats what happened to my roomate he is fighting it for 6 months now
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Oscar O'Neil
•That's honestly what I'm most worried about. I'm trying to do everything by the book, but the reporting rules are so confusing. I hope your roommate gets it resolved without having to pay back everything.
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Leeann Blackstein
This question comes up a lot, and the confusion is understandable. Here's what you need to know about earnings while on UI in Washington: 1. Report gross earnings in the week you WORKED (not when paid) 2. ESD deducts 75% of your earnings from your benefit amount 3. You can earn up to your WBA + $5 before benefits reduce to zero 4. For self-employed/gig workers, keep detailed records of all work dates and earnings 5. Being honest about earnings avoids overpayment issues later ESD considers you eligible for benefits in weeks where you earn less than your WBA + $5, even if your benefit payment is reduced to a small amount. This helps maintain your claim while supplementing with part-time work.
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Oscar O'Neil
•This breakdown is super helpful, thank you! I'm going to save this for reference. The 75% deduction makes sense mathematically - they want to incentivize work but still provide support. I'll definitely be tracking everything meticulously.
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Ryder Greene
I tried to call ESD like 50 times about a similar question and never got through until I used this service called Claimyr. They got me connected to an actual ESD agent in like 15 minutes after I'd been trying for days. They have a video that shows how it works: https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3 and their site is claimyr.com. Worth it when you need specific answers about your claim situation.
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Charlee Coleman
•does that actually work??? i might try that, been on hold FOR-EV-ER trying to fix my claim
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Ryder Greene
•Yeah it really did work for me. The ESD agent I talked to was able to answer all my questions about my specific situation. Way better than guessing or relying on general advice.
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Carmella Fromis
wait im confused do u have to report doordash earnings before they take out their fees or after? and what about gas expenses??
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Leeann Blackstein
•For ESD weekly claims, you need to report your gross earnings BEFORE DoorDash takes their fees and before any expenses like gas. So if you earned $500 in a week and DoorDash took $100 in fees, and you spent $75 on gas, you still report $500 to ESD. You'll deduct those business expenses when you file your taxes, but for UI reporting purposes, it's the gross amount.
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Carmella Fromis
•thx that makes sense i was doing it wrong this whole time hope i dont get in trouble
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Theodore Nelson
The ESD system is DESIGNED to confuse people and deny them benefits!! I went through this exact situation last year and ended up with a $4,800 overpayment because they didn't explain ANY of these rules clearly. Now I'm on a payment plan for 18 months. The whole system is rigged against people trying to survive while finding work. Every agent tells you something different too.
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Oscar O'Neil
•That's terrifying. I'm so sorry that happened to you. Did you try appealing the overpayment? I've heard sometimes they can waive them if you made an honest mistake.
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Theodore Nelson
•I tried appealing twice and got denied both times. They said I should have "known" the rules even though their own website contradicts itself. Just be SUPER careful with your reporting and save EVERYTHING - screenshots, emails, receipts, all of it.
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Sara Hellquiem
One more important thing about gig work while on UI - make sure you're meeting the job search requirements each week (3 job search activities). Gig work doesn't automatically satisfy those requirements since it's not seeking permanent work. You still need to be looking for suitable permanent employment and documenting those efforts.
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Oscar O'Neil
•Yes, I've been keeping up with my job searches! Applying to at least 5 positions a week and documenting everything in my job search log. The gig work is just to supplement while I find something permanent. Thanks for the reminder though - that's definitely important.
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