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Isaac Wright

How are Washington ESD unemployment benefits calculated - confused about my weekly amount

I just got approved for unemployment after being laid off from my retail job last month. My weekly benefit amount is $487 but I have no idea how Washington ESD came up with this number. I made about $45,000 last year working full time, but some weeks I worked overtime and some I didn't get as many hours. Does anyone know exactly how they calculate these benefit amounts? I'm trying to figure out if this is correct or if I should appeal it.

Washington ESD uses your highest earning quarters from the past 5 quarters (base period) to calculate your weekly benefit amount. They take your highest quarter earnings, divide by 13, then multiply by a percentage. The maximum weekly benefit for 2025 is $999 per week.

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So they don't just look at my total yearly income? That's confusing - how do I know which quarters they used?

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You can see your base period wages in your SecureAccess Washington account under benefit information. It shows all the quarters they considered.

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i think its like 60% of your average weekly wage or something? my benefit amount seemed about right when i calculated it that way

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It's actually more complicated than that. Washington uses a formula that considers your two highest quarters in the base period, not just a simple percentage of your total wages.

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oh ok i never looked into the details just seemed close enough lol

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I had the same confusion when I first filed! Spent hours on the phone trying to reach someone at Washington ESD to explain my calculation. Finally found this service called Claimyr that actually got me through to a real person who walked me through exactly how they calculated my benefits. Check out claimyr.com - they have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works.

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How much does that cost? I'm already tight on money waiting for my first payment.

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It's worth it to get accurate information directly from Washington ESD rather than guessing. The peace of mind knowing your benefits are calculated correctly is huge.

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I used Claimyr too when I had questions about my benefit amount. Got through to Washington ESD in like 10 minutes instead of calling for hours.

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Here's the actual formula Washington ESD uses: They look at your base period (first 4 of the last 5 completed quarters). Your weekly benefit amount is calculated as the average of wages in your two highest quarters, divided by 26 weeks, then multiplied by the benefit percentage (which varies based on income level). There's also a minimum of $295/week and maximum of $999/week for 2025.

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This is super helpful! So if my highest two quarters were $12,000 and $11,500, that would be $23,500 divided by 26 = about $903 per week?

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Not quite - that would be your average weekly wage, but then Washington ESD applies a benefit percentage to that amount. The percentage decreases as your income gets higher.

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Wait I'm confused now, is it divided by 26 or 13 weeks? The first comment said 13.

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The Washington ESD system is so confusing! I've been getting benefits for 2 months and still don't understand how they calculated mine. $487 sounds about right for a $45k salary though. Mine was similar when I made around that much.

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Did you ever try to verify if yours was calculated correctly? I'm worried mine might be wrong.

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Honestly no, I just trusted it was right. As long as I'm getting something I'm not going to rock the boat lol

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I work in HR and deal with unemployment calculations sometimes. Washington ESD uses what's called the 'benefit year earnings method' - they take your highest quarter earnings during the base period, divide by 13 to get your average weekly wage, then apply a sliding scale percentage. Lower earners get a higher percentage (up to about 63%) while higher earners get less (down to about 47%).

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So there's no simple formula? The percentage changes based on how much you made?

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Exactly. It's designed to replace a higher percentage of income for lower-wage workers. Washington has one of the more generous unemployment systems in the country.

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This is why I gave up trying to calculate mine manually. Too many variables and exceptions.

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honestly just be happy you got approved, some of us are still waiting in adjudication hell

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How long have you been waiting? I was nervous about that too but mine went through pretty quickly.

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going on 6 weeks now, supposedly they're reviewing my separation reason even though i was clearly laid off

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The calculation also depends on whether you had any other income during your base period. If you had multiple jobs or gaps in employment, that affects the formula too. Washington ESD has to verify wages with all your employers before finalizing the calculation.

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I did have a part-time job for a few months last year in addition to my main job. Could that change things?

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Yes, all wages during your base period are included in the calculation. That part-time income might actually increase your benefit amount if it was during one of your lower quarters.

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I tried calculating mine manually using the Washington ESD website formula and got completely different numbers than what I'm actually receiving. There's definitely more to it than what they publish publicly.

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The public formula is simplified. There are adjustments for things like dependency allowances, partial unemployment, and seasonal work patterns that aren't explained in detail.

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That makes sense. I wish they were more transparent about the actual calculation process.

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If you really want to understand your specific calculation, you can request a detailed breakdown from Washington ESD. But honestly, unless there's a significant error, it's probably not worth the hassle. The system is pretty accurate most of the time.

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How do you request a breakdown? Through the website or do you have to call?

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You can submit a request through your SecureAccess Washington account or call them. Calling is faster if you can get through.

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Good luck getting through by calling. I've been trying for weeks about a different issue and can never reach anyone.

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Another thing to consider - your benefit amount can change if Washington ESD receives updated wage information from your employers. Sometimes there's a delay in reporting and your amount gets adjusted later.

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Would they notify me if that happens? I don't want any surprises.

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Yes, they'll send you a notice if your benefit amount changes. Usually it's an increase if they get additional wage information.

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Just to follow up on my earlier comment about Claimyr - I used them again last week when I had questions about my job search requirements and they got me through to Washington ESD immediately. Really worth it when you need specific answers about your claim.

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Is it legit though? Seems too good to be true that they can actually get you through when the regular phone lines are always busy.

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Totally legit. They just know how to navigate the Washington ESD phone system better than regular people do. The video demo on their site explains exactly how it works.

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I'm in a similar situation as you - got approved but confused about the benefit calculation. My amount seems lower than I expected based on my previous salary. Did you end up verifying if yours was correct?

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Still looking into it. Going to check my base period wages in my account first like someone suggested earlier.

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Let me know what you find out. I might need to do the same thing.

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Don't forget that Washington ESD also considers your dependency allowances when calculating benefits. If you have dependents, you can get an additional $28 per week per dependent, up to 5 dependents.

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I don't have any dependents, so that wouldn't apply to me. But good to know for others reading this.

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I had no idea about the dependency allowance! I have two kids - how do I add that to my claim?

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You need to submit documentation through your SecureAccess Washington account. Birth certificates or custody papers usually work.

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The bottom line is that Washington ESD's benefit calculation is pretty complex and takes into account way more factors than most people realize. Your $487/week for a $45k salary sounds reasonable, but if you want to be 100% sure, you'll need to either review your base period wages carefully or talk to someone at Washington ESD directly.

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Thanks everyone for all the helpful information. I'm going to check my account first and then decide if I need to call for clarification.

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Smart approach. Most of the time the calculation is correct, but it's always good to understand how they arrived at your number.

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One more thing to keep in mind - if you worked in multiple states during your base period, that can complicate the calculation too. Washington ESD has to coordinate with other state unemployment agencies to get your complete wage history.

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I've only worked in Washington, so that shouldn't be an issue for me.

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Then your calculation should be straightforward. The complexity usually comes from interstate wage coordination or unusual employment situations.

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I used Claimyr when I was confused about my benefit calculation too. The Washington ESD agent they connected me with was able to pull up my specific calculation and explain exactly how they got my weekly amount. Made everything much clearer.

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That sounds like exactly what I need. Did they charge extra for the detailed explanation?

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No, once you're connected to Washington ESD, you can ask whatever questions you need. The agent was very helpful and patient.

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Just remember that even if your benefit amount seems off, you should keep filing your weekly claims while you investigate. Don't want to miss any payments while you're figuring out the calculation.

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Good point. I'll definitely keep filing my weekly claims regardless. Don't want to lose benefits over a calculation question.

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Exactly. You can always appeal or request adjustments later, but you can't go back and file missed weekly claims.

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For what it's worth, your $487/week benefit on a $45k salary puts you at about 54% income replacement, which is pretty typical for Washington ESD. That suggests your calculation is probably correct.

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That's reassuring to hear. I was worried it might be too low, but if 54% is normal then it sounds about right.

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Washington typically replaces between 47-63% of wages depending on your income level, so you're right in the expected range.

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