ESD waived my overpayment but can I still claim unpaid UI weeks?
After a stressful waiting game, I finally got some good news from ESD this month! I requested an overpayment waiver back in 2023 for about $5,800, and they just sent me a letter saying the overpayment has been 'waived and paid in full.' What I'm confused about is whether this impacts the weeks I filed but never received payment for. I stopped filing weekly claims once those overpayment notices started coming in (panic mode!). There was also a separate letter saying I was still eligible for benefits during that time period, but I was too scared to keep claiming while dealing with the overpayment mess. Can I somehow go back and claim those weeks I missed? Has the payment window closed forever? Has anyone successfully recovered benefits from weeks you were eligible for but didn't claim because of an overpayment situation?
16 comments
Sayid Hassan
congrats on getting the waiver! my sisters overpayment got waived too but smaller amount. but for the weeks u didnt claim i think ur out of luck. my understanding is u have to file every week no matter what even if u have other issues going on with ur claim. maybe u can call and ask but i woudlnt get hopes up since it was 2 years ago
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Arnav Bengali
•Thanks for the response. Yeah, I'm afraid you might be right about the unclaimed weeks. It's just so frustrating because I was eligible that whole time but too scared to keep filing with the overpayment hanging over my head.
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Rachel Tao
The overpayment waiver and your weekly benefit eligibility are separate issues. The waiver means you don't have to repay the money ESD previously determined was overpaid to you. However, regarding the weeks you didn't claim - ESD has strict filing deadlines. Generally, you must file weekly claims within one week of the week ending date (Sunday). There is a provision for "backdating" claims in certain circumstances, but it typically only extends back a few weeks, not years. You could try requesting a "good cause" exception for the missed weeks by explaining that the overpayment notices confused you and prevented you from filing. This would require contacting ESD directly and making a formal request - but I've rarely seen these approved for such a long period of backdating.
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Arnav Bengali
•Thanks for this detailed explanation. This makes more sense now - it sounds like those weeks are probably lost forever. I'll try calling about the good cause exception but won't get my hopes up too much.
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Derek Olson
I had something kind of similar happen in 2022 where I thought I wasn't eligible because of a disqualification letter but it turned out that was just for one week. I missed filing for like 8 weeks because I was confused. When I finally called they told me too bad so sad, those weeks are gone forever. Really sucked because it was like $4000 I could have had. The ESD system is so confusing sometimes!
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Arnav Bengali
•Ugh, that's awful! Sorry you went through that. $4000 is a lot of money to miss out on because of their confusing communications. Makes me feel a bit better knowing I'm not the only one who got thrown off by their notices though.
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Danielle Mays
From my experience working with UI claimants, here's what you need to know: 1) The overpayment waiver only applies to the specific overpayment amount that was waived. This means you don't have to pay back that money. 2) For the weeks you didn't claim: Unfortunately, there's a strict deadline for filing weekly claims. While there is a "good cause" provision for backfiling claims, it typically only extends 4 weeks back, and only in very specific circumstances. 3) The eligibility letter you received simply means you were potentially eligible during that period IF you had filed timely weekly claims. At this point, your best option is to call ESD directly and ask about filing a "good cause" exception request for the missed weeks. Be prepared with documentation showing why you reasonably believed you shouldn't file during that period. However, I must caution that after 2 years, approval is extremely unlikely. Don't give up on benefits you're currently eligible for though! The waiver means your overpayment issue is resolved.
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Roger Romero
•quick question - if someone gets an overpayment waiver does that mean they can file for unemployment again in the future if they lose a job? or does having an overpayment (even if waived) disqualify you from getting benefits ever again?
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Anna Kerber
THE SYSTEM IS RIGGED!!! They DELIBERATELY make it confusing so people don't get all their benefits. Notice how they sent you a letter saying you were eligible AFTER you stopped filing? That's not a coincidence! They save millions by confusing people with overpayment notices then quietly telling them they were eligible all along AFTER IT'S TOO LATE TO CLAIM!!!!
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Rachel Tao
•While I understand your frustration, I don't think there's evidence of deliberate deception. The unemployment system is complex and often understaffed, which leads to delays and confusion. Most overpayment situations come from legitimate issues like unreported earnings or eligibility questions that need to be resolved. The system definitely needs improvement, but attributing to malice what can be explained by bureaucratic inefficiency isn't helpful for people trying to navigate the system.
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Niko Ramsey
I had a similar situation with an overpayment notice that turned out to be an error. I couldn't get anyone on the phone for weeks - kept getting disconnected or waiting for hours. I finally used Claimyr (claimyr.com) to get through to an ESD agent and got it sorted in one call. They have a video showing how it works: https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3 I'd recommend giving them a call to ask specifically about your unclaimed weeks. Even if they can't backdate all of them, maybe they can do a few weeks? Worth asking about the good cause exception others mentioned. At least you'll get a definitive answer instead of wondering what could have been.
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Arnav Bengali
•Thanks for the recommendation! I'll check out that service. You're right that I need a definitive answer either way, and waiting on hold for hours makes it so hard to actually talk to someone who can help.
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Roger Romero
Is the waiver retroactive? Like does it mean you were eligible the whole time? If so maybe you can argue that since they just NOW determined you were eligible all along, you should be able to claim those weeks since you were misled by their incorrect overpayment determination? Just a thought, not sure if it works that way.
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Danielle Mays
•That's an interesting perspective, but unfortunately that's not how waivers work in the ESD system. A waiver doesn't mean the overpayment determination was incorrect - it means that while the overpayment did occur, ESD has decided to forgive the debt due to financial hardship, ESD error, or other qualifying circumstances. The original eligibility determination remains unchanged. Also, even if the original determination was reversed through an appeal (which is different from a waiver), there would still be the separate issue of the filing deadlines for weekly claims, which are strictly enforced regardless of the reason for missing them.
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Rachel Tao
For future reference for anyone reading this: If you ever receive an overpayment notice but believe you're still eligible for benefits, you should CONTINUE to file your weekly claims while simultaneously addressing the overpayment issue (either through appeal or waiver request). This preserves your rights to those benefits if the overpayment is resolved in your favor. If you stop filing weekly claims, you essentially forfeit those weeks regardless of how the overpayment situation is ultimately resolved. Always file on time, every week, until explicitly told you're ineligible by ESD.
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Arnav Bengali
•This is really helpful advice! I wish I had known this two years ago. Hopefully someone else will see this and avoid my mistake.
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