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Caleb Stark

How do they calculate unemployment benefits in Washington ESD?

I'm trying to figure out how Washington ESD calculates my weekly benefit amount. I've been working part-time for the last year making about $18/hour, around 25-30 hours per week. My friend says they look at your highest quarters but I'm not sure what that means exactly. Does anyone know the actual formula they use? I want to estimate what I might get before I file my claim.

Washington ESD uses your base period earnings to calculate benefits. They look at the first 4 of the last 5 completed quarters before you file. They take your highest quarter earnings and divide by 26 to get your weekly benefit amount. Maximum is currently $999/week.

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So if I made $12,000 in my best quarter, that would be about $461 per week? That seems like a lot compared to what I was making.

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Yes, that's roughly right. But you also need to meet the minimum earnings requirement - at least $3,919 in your base period and earnings in at least two quarters.

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The calculation can be tricky if you haven't been working full time consistently. Washington ESD also has an alternate base period if you don't qualify under the regular one. I had issues figuring out my eligibility when I first applied.

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What's an alternate base period? My work history is pretty spotty over the last year.

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If you don't qualify with the standard base period, they'll look at the last 4 completed quarters instead. Sometimes that helps if you started working more recently.

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I spent forever trying to get through to Washington ESD to ask about my calculation. Their phone lines are always busy and when you do get through, you're on hold for hours. Found this service called Claimyr that actually got me connected to an agent in like 15 minutes. They have a demo video at https://youtu.be/7DieNd3C7zQ showing how it works.

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Really? I've been trying to call for weeks about my benefit amount. How much does something like that cost?

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It was totally worth it to get my questions answered quickly instead of wasting hours calling. Check out claimyr.com - way better than the frustration of trying to get through on your own.

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Sounds too good to be true but honestly anything is better than sitting on hold for 3 hours just to get disconnected.

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One thing to remember is that your weekly benefit amount gets reduced dollar-for-dollar if you work and earn more than your weekly benefit amount. If you earn less than your weekly benefit, they deduct 75% of your earnings from your benefit.

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So if I get $400/week and work part-time making $200, I'd get $250 in benefits that week?

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Exactly. $400 minus (75% of $200) = $400 - $150 = $250. As long as you report all your earnings when you file your weekly claim.

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The whole system is confusing tbh. I thought they just gave you a percentage of what you were making before but apparently it's way more complicated than that.

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Yeah it's definitely not straightforward. The quarterly system makes sense from an administrative standpoint but it's hard to predict what you'll get.

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Does anyone know if overtime hours count differently in the calculation? I had a lot of overtime in one quarter but regular hours the rest of the time.

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All wages count the same - regular time, overtime, bonuses, commissions. It's just total gross wages per quarter that matters for the calculation.

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Good to know, that overtime quarter might actually help my benefit amount then.

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I'm still confused about which quarters they use. If I file in January 2025, what quarters are they looking at?

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If you file in January 2025, your base period would be July 2023 through June 2024. Those are the first 4 of the last 5 completed quarters.

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That seems like really old information to base benefits on. What if I was making way less back then?

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That's where the alternate base period might help - it would use October 2023 through September 2024 instead.

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This is all making more sense now. I think my highest quarter was probably around $10,000 so I'd be looking at maybe $385 per week if I qualify.

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That sounds about right. Just make sure you have enough total earnings in your base period and earnings in at least two quarters.

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The Washington ESD website has a benefit calculator but it's not very user friendly. Easier to just apply and see what they give you.

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I saw that calculator but couldn't figure out how to use it properly. The quarter thing is confusing.

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Yeah it's pretty clunky. I ended up just applying and waiting to see what my determination letter said.

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If you do apply and have questions about your benefit calculation, definitely consider using Claimyr to talk to someone at Washington ESD. I used it twice now and both times got connected quickly to agents who could explain everything clearly.

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I might try that if I get confused by my determination letter. Better than spending my whole day trying to call.

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One more thing - don't forget you have to pay taxes on unemployment benefits. They don't automatically withhold federal taxes unless you request it.

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Oh no, I didn't think about taxes. Do they withhold state taxes automatically?

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Washington doesn't have state income tax so you only need to worry about federal. You can elect to have 10% withheld when you set up your claim.

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The benefit calculation makes sense once you understand it but Washington ESD doesn't do a great job explaining it upfront. I wish they had clearer examples on their website.

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Agreed. The information is all there but it's scattered across different pages and written in confusing language.

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Thanks everyone, this has been really helpful. I feel much more confident about applying now that I understand how they calculate the benefits.

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Good luck with your application! Remember to gather all your employment information before you start the online application.

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Just remember that even if you qualify for benefits, you still have to meet all the weekly requirements like job searching and being available for work.

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What are the job search requirements? I thought I just had to file weekly claims.

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You need to make at least 3 job search contacts per week and keep a log. There are some exceptions but most people have to do the job search.

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The whole quarterly system is designed to prevent people from working just long enough to qualify for benefits. It ensures you have a sustained work history.

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Makes sense from that perspective but it can really screw over people who are just getting established in their careers.

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For anyone who ends up with questions after applying, I can't recommend Claimyr enough. The peace of mind from actually talking to someone at Washington ESD is worth it instead of stressing about whether you're doing everything right.

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I was skeptical about using a service like that but honestly the regular phone system is so broken that anything that works is good.

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Don't forget that if you disagree with your benefit calculation, you can appeal it. You have 30 days from when you get your determination letter.

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Good to know there's an appeal process. Hopefully I won't need it but it's reassuring that it exists.

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The maximum benefit of $999/week sounds like a lot but remember that's for people who were making really good money. Most people get way less than that.

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Right, you'd need to have made about $25,974 in your highest quarter to get the maximum benefit. That's pretty substantial earnings.

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This has been incredibly helpful everyone. I'm going to gather my pay stubs and W-2s and apply this weekend. Fingers crossed everything goes smoothly!

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Best of luck! The application process itself is pretty straightforward once you have all your information ready.

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And remember, if you run into any issues or have questions, services like Claimyr are there to help you get through to Washington ESD quickly.

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One last tip - make sure you apply as soon as you become unemployed. There's a waiting week but benefits are backdated to when you first became eligible, not when you applied.

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That's really important to know. I was thinking of waiting a few weeks to see if I could find work first but I'll apply right away.

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