ESD weekly benefit amount calculation with $1600 monthly income - what should I expect?
I just lost my restaurant job where I was making about $1600 per month before taxes (roughly $10/hr for 40hrs/week). I'm filing for unemployment for the first time and trying to budget while I look for work. Can anyone who had similar income share what your weekly benefit amount ended up being? The ESD calculator seems confusing and I'm not sure if I'm doing it right. Also, does it matter that some of my income was from tips? Thanks for any insight!
18 comments
Norman Fraser
I was making almost exactly that amount ($1650/month) at my retail job before getting laid off in January. My weekly benefit amount is $230. ESD calculates your benefit based on your highest-earning quarters during your base year, not just your most recent job. They use about 60-65% of your average weekly wage up to the maximum benefit amount. For tips - if they were reported on your W-2 (meaning you paid taxes on them), they count toward your benefit calculation. If they were cash tips you didn't report, ESD won't know about them and they won't count.
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Fernanda Marquez
•Thank you! That helps a lot. Most of my tips were credit card tips that showed on my paystub so sounds like those will count. $230 a week would be really helpful while I'm job hunting.
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Kendrick Webb
when i was gettin like 1550 a month at warehouse job i got 212 per week from esd. not great but better than nothing lol. make sure u do ur weekly claims right or theyll make u pay it back!!
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Hattie Carson
•Very important point about weekly claims! Be meticulous about reporting ANY work and earnings during weeks you claim, even if it's just a few hours. ESD cross-references with employer reporting systems and they WILL catch discrepancies, leading to overpayment notices that are a nightmare to resolve. I learned this the hard way and spent months appealing an overpayment notice because I forgot to report one day of part-time work.
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Destiny Bryant
I WAS GETTING $1575 MONTHLY AT MY JOB AND ESD ONLY GAVE ME $198 A WEEK!!! IT VARIES SO MUCH I THINK THEY JUST MAKE UP RANDOM NUMBERS TBH. My friend worked at same place making same $ and got $240?? Make NO SENSE. And took them 5 WEEKS to approve my claim while I couldn't pay rent!!
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Norman Fraser
•The difference might be because of your base year. ESD looks at earnings from 5 quarters ago to 2 quarters ago, not including the most recent completed quarter. So if you and your friend filed at different times, or had different work histories before that job, your benefit amounts could definitely be different even with the same recent income.
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Dyllan Nantx
According to ESD's formula, if you earned around $1600/month consistently, your weekly benefit amount should be approximately $208-$237, depending on your exact earnings and how long you worked at that wage. The formula is roughly: 3.85% of your total base year wages, divided by the number of weeks in your highest quarters. Your base year is the first four of the last five completed calendar quarters before you applied. For tips: only reported tips (those on your W-2 or that you paid taxes on) count toward your benefit calculation. If you worked at that wage for the full base year, you should get around the amounts others have mentioned here.
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Fernanda Marquez
•Thank you for breaking down the formula! That's really helpful. I worked at this wage for about 18 months, so it sounds like I'll get somewhere in that $208-$237 range based on what you're saying.
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TillyCombatwarrior
Have you been able to talk to an ESD agent directly? I was in a similar situation with tip income and was confused about my benefit amount calculation. I spent days trying to get through to ESD on the phone with no luck. Finally used Claimyr (claimyr.com) to help get through to an ESD agent quickly. They have a video that shows how it works: https://youtu.be/7DieNd3C7zQ?si=26TzE_zGms-DODN3 The agent was able to look at my specific earnings and explain exactly how my benefit amount was calculated, including how my reported tips factored in. Really helped me understand what to expect.
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Fernanda Marquez
•I haven't been able to get through to anyone yet. Thanks for the suggestion - I'll check that out because I definitely have some specific questions about my situation.
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Anna Xian
i got laid off from my job where i made about the same as you last year and my weekly benefit was like $225ish i think but then they took out taxes cuz i chose to have them withhold it so actually got less than that in my account each week just fyi
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Jungleboo Soletrain
•This is a really good point. You can choose whether to have taxes withheld from your unemployment benefits or not. If you don't have them withheld, you'll get the full amount now but will owe taxes on it when you file next year. I always choose to have them withheld (it's about 10%) because I don't want a surprise tax bill later.
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Hattie Carson
One important thing to remember is that your weekly benefit amount is based on your highest-earning quarters during the base year, not your most recent job. So if you earned more at a different job earlier in your base year, your WBA might be higher than you're expecting based on the $1600/month. Also, don't forget about the job search requirements! You need to document at least 3 job search activities each week to remain eligible. This can include applying for jobs, attending interviews, creating profiles on job sites, or attending WorkSource workshops. Keep detailed records of all your job search activities.
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Kendrick Webb
•wait I thought it was 4 job search activities now? did they change it back to 3?
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Fernanda Marquez
Thanks everyone for all the helpful responses! Sounds like I can expect around $210-$230 weekly based on my income history. I'm definitely going to be careful about reporting everything correctly on my weekly claims and keeping good records of my job search activities. One more question - how long did most of you wait between applying and actually receiving your first payment? I'm trying to figure out how long my savings need to stretch.
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Norman Fraser
•For me it was about 2 weeks from application to first payment, but I had a straightforward layoff with no issues. If your claim goes into adjudication for any reason, it can take much longer. Make sure you fill out everything correctly on the initial application to avoid delays.
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Rajan Walker
My cousin was making around $1600 monthly and I think he got about $225 weekly when he was on unemployment last year. But more importantly, don't forget that you'll also qualify for the EBT food benefits while on unemployment which helps a lot with groceries. You should apply for that right away too!
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Fernanda Marquez
•That's a good point about EBT - I hadn't thought about applying for food benefits too. I'll look into that, thanks!
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