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Sarah Jones

How do I know if I have unemployment benefits in Washington - new to the system

I've never dealt with unemployment before and I'm honestly confused about whether I even qualify for benefits or if I already have them somehow. I lost my job two weeks ago and everyone keeps telling me to file for unemployment but I don't know where to start or how to tell if I'm eligible. Do I automatically have benefits or do I need to apply? How would I even know if I have unemployment benefits available? I tried looking at the Washington ESD website but it's really confusing and I don't want to mess anything up.

You definitely need to apply first - unemployment benefits aren't automatic. Go to esd.wa.gov and look for the 'Apply for Benefits' section. You'll need to file an initial claim to see if you qualify.

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Ok thank you! I was worried I was supposed to already have something set up from my previous job.

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yeah most people think unemployment is automatic but you have to actually file a claim and prove you're eligible

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The Washington ESD system will determine your eligibility based on your work history and earnings in the past 15 months. You need to have worked and earned wages in at least two quarters of your base period to qualify. Once you file your initial claim, they'll send you a monetary determination letter that shows your weekly benefit amount and total benefit year amount if you're approved.

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What's a base period? I worked full time for the last 3 years at the same company until they laid me off.

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Your base period is the first four of the last five completed calendar quarters before you file your claim. With 3 years of steady work, you should definitely qualify for benefits.

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I had the same confusion when I got laid off last year. The key thing is you have to file the initial claim first, then Washington ESD will tell you if you qualify and how much you can get. Don't wait too long though - benefits are only backdated to the week you actually file your claim, not when you lost your job.

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Oh no, I've already waited two weeks! Should I file right now or wait until Monday?

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File today if you can! The system is available 24/7 online. Those two weeks are probably lost unless you have a really good reason for the delay.

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Honestly the hardest part isn't figuring out if you qualify - it's actually getting through to Washington ESD when you have questions or problems. I spent weeks trying to call them about my claim status. Finally used this service called Claimyr (claimyr.com) that helped me get through to an actual person. They have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Is that legitimate? I'm nervous about using third-party services for government stuff.

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Yeah it's legit - they just help you navigate the phone system to reach an actual Washington ESD rep. Really helpful when you're stuck and can't get through on your own.

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the washington esd website has a tool where you can check your eligibility before filing but honestly just file the claim and let them tell you. worst case they say no and you're in the same position you are now

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That makes sense. I guess I'm overthinking this whole thing.

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Most people overthink it. The system is designed to walk you through the process step by step.

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Once you file your initial claim, you'll get a determination letter in about a week that tells you exactly what benefits you're entitled to. It'll show your weekly benefit amount and how many weeks you can collect. Then you have to file weekly claims every week to actually get paid.

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Weekly claims? So I have to do something every single week to get the money?

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Yes, you have to certify each week that you're still unemployed and looking for work. It's pretty quick once you get used to it.

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The weekly claims are important - if you skip filing for a week, you won't get paid for that week. You have to stay on top of it.

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I remember being so confused about this too! The way it works is: 1) File initial claim 2) Wait for determination letter 3) If approved, file weekly claims 4) Get paid. The determination letter will tell you everything you need to know about your specific benefits.

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That's really helpful, thank you! How long does the whole process usually take?

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If everything goes smoothly, about 2-3 weeks from filing to first payment. But sometimes claims go into adjudication which takes longer.

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Make sure you have all your employment info ready when you file - social security number, employer addresses, dates of employment, reason for separation. The system will ask for all of that.

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Good point! I should gather all that stuff before I start the application.

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also be prepared for the job search requirements once you start getting benefits. washington requires you to look for work and keep a log of your job search activities

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Oh I didn't know about job search requirements. What do I need to do exactly?

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You need to make at least 3 job search contacts per week and keep records. The Washington ESD website has details about what counts as a valid job search activity.

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Don't stress too much about qualifying - if you worked regularly and paid into the system, you probably qualify for something. The Washington ESD system is pretty good at calculating benefits automatically once you provide your work history.

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That's reassuring. I've been working and paying taxes for years so hopefully it works out.

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I went through this exact same situation 6 months ago. Filed my claim on a Sunday night, got my determination letter the following Friday, and started getting payments about 10 days later. The system worked pretty smoothly for me.

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That gives me hope! Were there any gotchas or things you wish you'd known beforehand?

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Just make sure you file your weekly claims on time every week. And don't forget to report any work or income during your weekly claim - even small amounts.

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The Washington ESD system has gotten a lot better since the pandemic. Used to be a nightmare but now it's pretty straightforward. Just file your claim and let the system do its thing.

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Good to know it's improved! I was worried based on some old horror stories I'd heard.

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If you run into any issues with your claim or need to talk to someone at Washington ESD, I'd recommend trying that Claimyr service someone mentioned earlier. I used them when my claim got stuck in adjudication and they got me through to someone who could help resolve it.

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Thanks for the recommendation! I'll keep that in mind if I run into problems.

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one thing to remember is that your benefits are based on your highest earning quarter in your base period. so if you made good money recently you should get a decent weekly amount

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That's good to know. My salary was pretty consistent so hopefully that helps.

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The determination letter is key - it will tell you your weekly benefit amount, your maximum benefit amount for the year, and when your benefit year expires. Keep that letter somewhere safe because you'll need to reference it.

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I'll make sure to save it! Thanks for all the helpful info everyone.

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Just want to echo what others have said - don't wait any longer to file. Even if you're not sure about something, file the claim and figure it out as you go. You can always call or use that Claimyr service if you need help.

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You're right, I need to stop overthinking and just do it. I'm going to file today.

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That's the right attitude! The system is designed to help people in your situation.

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Good luck with your claim! Once you get through the initial process it becomes pretty routine. The weekly claims only take a few minutes each week.

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Thank you! I feel much more confident about this now thanks to everyone's help.

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Make sure to set up direct deposit when you file - it's much faster than waiting for paper checks. The system will walk you through that option during the application.

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Definitely will do that. Thanks for the tip!

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welcome to the unemployment club nobody wants to join! but seriously the washington system is pretty user friendly once you get started. you got this

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Haha thanks! Hopefully I won't be in this club for too long but good to know the system works.

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Last piece of advice - once you start getting benefits, keep detailed records of everything. Your job search activities, any work you do, any contact with Washington ESD. It makes life easier if any issues come up later.

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Great advice! I'll start a folder to keep track of everything unemployment related.

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Smart approach. Good record keeping can save you a lot of headaches down the road.

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