ESD overpayment notice from COVID era - need appeal/waiver help!
I just received this really stressful letter from ESD saying I owe $4,750 for an unemployment overpayment from the COVID period! I'm completely blindsided by this since it's been over two years since I collected any benefits. The letter mentions something about 'retroactive ineligibility determination' but doesn't really explain what I did wrong. I've tried calling ESD about 15 times this week but just get the 'high call volume' message and disconnected. Their website is SO confusing when trying to find appeal info or overpayment waivers. I've logged into my eServices account but can't find where to submit an appeal or request a waiver. Has anyone successfully appealed or gotten a waiver for a COVID-era overpayment? What forms did you submit? Is there a special process for pandemic benefits vs regular UI? I'm seriously panicking about how I'll ever pay this back on my current budget. Any advice would be so appreciated!
18 comments
QuantumQuest
same thing happend to me in january!! they said i owe $3200 but i reported everything correctly at the time. the whole system is such a mess ugh
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Zainab Khalil
•Did you appeal it? I'm worried they'll start garnishing my wages or something if I don't act fast...
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Connor Murphy
You need to file an appeal within 30 days of the date on your notice, so don't delay. There should be appeal instructions on the overpayment notice itself. For COVID-era claims, you may have special waiver options available depending on the type of benefits you received (regular UI vs PUA). You'll need to complete the "Petition for Review" form. You can find it by logging into eServices, selecting your overpayment notice in the "Notices/Letters" section, and clicking the appeal option. Alternatively, you can mail a written appeal to the Office of Administrative Hearings, but online is faster. Make sure to specifically request a waiver in your appeal and explain any financial hardship this would cause. Also gather documentation showing you reported information correctly at the time.
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Zainab Khalil
•Thank you so much for this detailed info! I found the Notices section but when I click on the overpayment letter it doesn't show an appeal option. Is there another place I should be looking in eServices?
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Yara Haddad
THEY ARE DOING THIS TO EVERYONE!!! i got hit with a $5600 overpayment last month for "not being available for work" during 2021 even though I TOLD THEM I was taking care of my kids because schools were CLOSED!!! its like they completely forgot their own pandemic rules!!! 😡😡😡 You HAVE to appeal this but good luck getting through to anyone. I've been trying to get clarification for 3 weeks and still nothing.
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Keisha Robinson
•Did you check if you qualified for PUA instead of regular UI? Childcare issues were covered under pandemic assistance but not regular unemployment. Might be why they're saying overpayment now.
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Paolo Conti
I actually got a waiver approved for my COVID overpayment! It was about $2800. Key is proving either 1) you provided all info correctly and ESD made the mistake or 2) paying it back would cause severe financial hardship. I had to submit bank statements and monthly expense breakdown. Took about 6 weeks but they approved it fully.
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Zainab Khalil
•That's really encouraging to hear! Did you submit all that through eServices or did you have to mail physical documents? And did you use any specific form for the waiver request?
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Amina Sow
There's a specific COVID-era overpayment waiver process you should follow. I helped my brother with this last month. Key things to know: 1. Appeals deadline is strict - 30 days from notice date 2. You need to file the appeal first before requesting the waiver 3. For COVID claims, ESD is required to consider if the overpayment was your fault or theirs 4. You'll need to document financial hardship with income/expense details The trickiest part is actually reaching someone at ESD to confirm they received your appeal. I spent days trying to get through until I found this service called Claimyr (claimyr.com) that got my brother connected to an ESD agent in about 20 minutes. They have a video showing how it works: https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3 Once you talk to an agent, ask them to note in your file that you're requesting both an appeal AND a waiver. The waiver form isn't obvious on the website - the agent should tell you exactly where to find it.
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Zainab Khalil
•Thank you for the detailed breakdown! I never heard of Claimyr before but I'm going to check it out because I'm desperate to talk to a real person. Did your brother ultimately get the overpayment waived?
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GalaxyGazer
I work with a legal aid organization that's been handling lots of these cases. Important to know: there's a big difference between regular UI overpayments and PUA (Pandemic Unemployment Assistance) overpayments. Which type of benefits were you on? The waiver process is different for each. Also, you mentioned "retroactive ineligibility" - this usually means they've determined you weren't eligible for benefits you received. Common reasons include: - Not being available for work - Not properly reporting part-time income - Not meeting job search requirements (though these were modified during COVID) - Being disqualified for a reason that wasn't initially detected If you can share more details about your specific situation, I might be able to provide more targeted advice.
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Zainab Khalil
•I was on regular UI initially and then got switched to PEUC when the extension happened. The letter mentions something about "failure to provide adequate work search documentation" but I did submit my job search logs every week as required! At least I thought the requirements were reduced during COVID? I'm so confused about what I supposedly did wrong.
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Amina Sow
Based on your situation with regular UI that switched to PEUC, and the mention of work search documentation, I can see why you're confused. During different phases of the pandemic, the job search requirements changed multiple times - they were suspended completely at first, then partially reinstated, then fully reinstated. It sounds like ESD might be retroactively applying a job search requirement to a period when you thought it was waived. This is actually a good basis for appeal since the rules were changing and often poorly communicated. When you get through to an agent (again, I'd recommend using Claimyr since regular phone lines are nearly impossible), ask specifically about which weeks they're claiming you didn't meet work search requirements. Then check if those weeks aligned with when requirements were actually in effect. This mismatch has been the basis for many successful appeals I've seen.
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QuantumQuest
•ya this is exactly what happened to my cousin!! they said he didnt do enuff job searches but at that time they werent even requiring them!! he appealed and won but it took like 3 months
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Keisha Robinson
just wondering, did the letter say anything about making payments while you appeal? when i got my overpayment notice they said interest would keep adding up even during the appeal process unless i started making payments
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Zainab Khalil
•Yes it did mention something about that! It says I can set up a payment plan to avoid collection activities, but I really can't afford to pay anything right now. Does anyone know if they'll actually send this to collections while an appeal is pending?
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GalaxyGazer
Regarding collections during appeals: ESD can begin collection activities while your appeal is pending, but they typically don't move to wage garnishment immediately. Setting up even a minimal payment plan (like $25/month) can prevent more aggressive collection actions. For your situation with PEUC and job search requirements, I'd recommend: 1. File your appeal immediately through eServices (under the Unemployment Claims section, not just from the notice) 2. Explicitly state in your appeal that you understood job search requirements were modified during the period in question, and that you complied with the requirements as they were communicated at that time 3. Request a waiver based on both administrative error (changing/unclear requirements) AND financial hardship 4. Include any emails or screenshots showing the job search information you submitted at the time In your hearing, focus on the unclear guidance during COVID transitions and how you attempted to comply with requirements as you understood them. Success rates for appeals on COVID-era overpayments have been higher than standard overpayments.
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Zainab Khalil
•This is incredibly helpful information, thank you! I'm going to start working on my appeal letter tonight and try to gather any screenshots or emails I might still have from that time period. Really appreciate the guidance on what to focus on for the hearing.
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