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Anastasia Kozlov

How does unemployment work in Washington State - confused about the whole process

I might need to file for unemployment soon and I'm completely lost about how the whole system works. I've never been unemployed before and don't understand the basics - like how do you even apply, what are the requirements, how much money do you get, how long does it take? I keep seeing people mention Washington ESD and weekly claims but I have no idea what any of that means. Can someone explain how unemployment works from start to finish? I'm really stressed about potentially losing my job and want to be prepared.

Washington ESD (Employment Security Department) handles all unemployment claims in our state. The basic process is: 1) File your initial claim online at esd.wa.gov within the first week after you lose your job, 2) Complete your weekly claims every week to certify you're still unemployed and looking for work, 3) Meet job search requirements (usually 3 job contacts per week), 4) Wait for your claim to be processed and approved. You'll get a percentage of your previous wages, up to about $844/week maximum in 2025.

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Thanks for the breakdown! How long does it usually take to get approved and start receiving payments?

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If everything goes smoothly, about 2-3 weeks. But if your claim goes into adjudication (they need to verify something), it can take much longer - sometimes 6-8 weeks or more.

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You'll need to file your initial claim through the Washington ESD website as soon as you become unemployed. Don't wait! You'll need your Social Security number, driver's license, and employment history for the past 18 months including employer names, addresses, and dates worked. The process usually takes 2-3 weeks if there are no issues with your claim.

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Thank you! Do I need to have my W-2s or pay stubs ready too?

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Pay stubs help but aren't required for the initial application. Washington ESD will verify your wages with employers directly. Just make sure you have accurate employment dates and employer contact info.

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The weekly claims part is super important - you have to file them every single week even if you haven't been paid yet. Miss a week and you lose benefits for that week permanently. Also the job search requirement is real, they can audit you and ask for proof of your job contacts.

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What counts as a valid job contact? Does applying online count?

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Yes online applications count, but you need to keep detailed records - company name, position, date, method of contact. They also accept networking, job fairs, interviews, etc.

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Washington ESD is the Employment Security Department - they handle all unemployment claims in our state. You file online at esd.wa.gov and it's actually pretty straightforward once you know the steps. First you apply for benefits, then you have to file weekly claims to get paid, and you need to do job searches every week. The amount depends on your previous wages but it's usually around 60% of what you were making, up to a maximum.

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Thanks! So I apply first and then do weekly claims? How long does the whole application process take?

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Usually takes 1-2 weeks if everything goes smoothly, but sometimes longer if they need to verify employment or investigate issues.

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The process is: 1) File initial claim online 2) Wait for approval (1-3 weeks typically) 3) File weekly claims every Sunday 4) Do 3 job search activities per week 5) Receive payments if approved. You'll need your SSN, employment history for past 18 months, and bank info for direct deposit. Maximum weekly benefit is currently $999 but most people get less.

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What counts as job search activities? Just applying for jobs or other things too?

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Job applications, networking events, career fairs, workshops, even updating your LinkedIn profile. Washington ESD has a list of approved activities on their website.

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You also have to register with WorkSourceWA within 4 weeks of filing your claim, don't forget that part!

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I went through this last year and the hardest part was actually getting through to Washington ESD when I had questions. Their phone lines are constantly busy and it's almost impossible to reach a human. I spent weeks trying to call about an issue with my claim. Finally found this service called Claimyr that helps you get through to ESD agents - check out claimyr.com, they have a demo video at https://youtu.be/7DieNd3C7zQ. Saved me so much frustration.

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How much does something like that cost? Seems like it could be expensive.

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Honestly didn't break the bank and was worth it to actually talk to someone about my claim status instead of wondering for weeks if something was wrong.

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Don't forget you need to register with WorkSourceWA too - that's their job search system. You have to have an active profile there and use it for some of your job search activities. It's all connected to your unemployment benefits.

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Is that a separate website or part of the ESD site?

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Separate site - worksourcewa.com. You'll get instructions about it when you file your claim.

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The weekly claim filing is super important - you have to do it every week even if you haven't received your first payment yet. Miss a week and you might lose benefits for that week permanently.

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How do I file the weekly claims? Is it online too?

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Yes, through the same Washington ESD portal where you filed your initial claim. You'll answer questions about any work you did that week and confirm you're still able and available for work.

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I went through this last year and honestly the hardest part was getting through to Washington ESD when I had questions. Their phone lines are constantly busy and sometimes you wait hours just to get disconnected. I discovered this service called Claimyr that actually helps you get through to agents - saved me so much time and frustration. Check out claimyr.com if you run into issues reaching them.

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Never heard of that service before, does it actually work? The Washington ESD phone system is terrible.

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Yeah it really does work! They have a video demo at https://youtu.be/7DieNd3C7zQ that shows exactly how it works. Basically they call for you and get you connected to an actual person.

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Interesting, might have to try that. I've been trying to reach Washington ESD for two weeks about an issue with my claim.

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ugh the whole system is such a nightmare. took me 3 months to get my first payment because of "adjudication" and nobody could tell me what was wrong. finally got it sorted but lost so much sleep over it

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That sounds terrifying! What ended up being the issue?

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they needed to verify my previous employment dates. something my employer reported didn't match what i put on my application. took forever to sort out

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One thing that trips people up is the job search requirement. In Washington you need to make at least 3 job search contacts per week and keep a log. This includes applying for jobs, networking, attending job fairs, etc. You don't submit the log unless asked, but you need to keep track.

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What counts as a valid job search contact?

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Applying for jobs, contacting employers directly, networking activities, attending WorkSource workshops, working with recruiters. Just browsing job sites doesn't count - you need to take action.

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I got audited for my job search log last year and had to provide all the details. Keep good records with dates, company names, and what you did.

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If you run into issues trying to reach Washington ESD by phone (and you probably will), I found this service called Claimyr that helped me get through. They have a system that calls for you and gets you connected to an actual agent. Check out claimyr.com - there's a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Is that legitimate? Sounds too good to be true with how impossible it is to reach them.

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I was skeptical too but it actually worked. Saved me hours of trying to call myself. They don't ask for personal info, just help you get connected.

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whatever you do dont quit your job before you get laid off or you wont qualify for unemployment!! learned that the hard way

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Good point, I'm waiting for them to lay me off rather than quitting. Does it matter if it's a reduction in force vs being fired for performance?

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Being laid off due to lack of work is fine, but being fired for misconduct can disqualify you. Performance issues are usually okay unless it's willful misconduct.

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The weekly claims are super important - you have to file them every week even if you haven't been paid yet or you'll lose those weeks forever. I missed filing one week because I thought my claim was still processing and lost that week's payment permanently.

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Oh wow, so even if I'm still waiting for approval I should file weekly claims?

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Yes! Always file your weekly claims on time. If you're approved later, you'll get backpay for the weeks you filed. But if you don't file, you can't get paid for those weeks.

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This is so confusing, why don't they explain this better when you first apply?

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One thing to know upfront - there's a one week waiting period before you can receive benefits. So even if approved immediately, your first payment covers your second week of unemployment. Plan your finances accordingly because that first week won't be compensated.

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Wait, so you never get paid for the very first week you're unemployed?

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Correct, that's the waiting week. It's a permanent loss, not just delayed.

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Also important - if you quit your job, you probably won't qualify unless it was for "good cause" like unsafe working conditions or harassment. If you were fired, it depends on whether it was for misconduct. Being laid off due to lack of work is usually straightforward approval.

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How do they determine if you quit for good cause?

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They'll investigate and might contact your employer. You need documentation if possible - emails, complaints to HR, medical records, etc.

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Pro tip: start gathering your employment documents now while you still have access. Pay stubs, employment contract, any disciplinary actions, performance reviews. You'll need employment history for the past 18 months including exact dates and wages. Having this ready makes filing much smoother.

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That's really smart, I wouldn't have thought to gather all that ahead of time.

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The benefit amount is calculated based on your highest earning quarter in the past year. It's roughly 50% of your average weekly wage during that quarter, but capped at the state maximum. You can use the benefit calculator on the ESD website to estimate your payment.

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Is there a minimum amount too, or could you get like $20/week if you didn't earn much?

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Yes there's a minimum - around $295/week in 2025. If your earnings don't support that minimum, you won't qualify for regular unemployment.

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Your benefit amount depends on your earnings in the base period, which is usually the first 4 quarters of the last 5 completed quarters before filing. Washington ESD calculates this automatically when you file your claim.

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How much can I expect to receive per week?

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Maximum weekly benefit in Washington is currently $999 per week, but most people get less. It's roughly 60-70% of your average weekly wage during the base period, up to the maximum.

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Also be prepared for possible adjudication - that's when Washington ESD investigates your claim for various reasons. It can add weeks to the process but don't panic if it happens. Common reasons include employer disputes, quit vs layoff issues, or availability questions.

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What's adjudication exactly? That sounds scary.

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It's just an investigation to make sure you qualify for benefits. They might contact you and your employer to verify details. It delays payment but if you legitimately qualify, you'll eventually get approved.

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I'm in adjudication right now for 3 weeks, it's nerve wracking but I think it's normal.

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Make sure you understand the difference between being able and available vs being on standby. If you're on standby (like temporary layoff expecting to return), the rules are different than regular unemployment. You don't have to do job searches if you're on standby status.

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I don't think I'll be on standby since they're eliminating my position entirely. Sounds like I'll need to do the job search requirements.

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Right, if your job is gone permanently then you'd be regular UI with job search requirements. Standby is only for temporary layoffs with expected return date.

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just went through this whole process. the key thing nobody tells you is SAVE EVERYTHING. every email, every document, every communication. if something goes wrong you'll need proof of everything

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What kind of things typically go wrong?

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employer disputes your claim, system glitches that lose your weekly claims, identity verification issues, previous employer doesn't respond to ESD requests. always something

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Be prepared for potential adjudication delays. If there's any question about why you lost your job or your eligibility, your claim goes into adjudication and can take weeks or even months to resolve.

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What causes adjudication? I'm being laid off due to budget cuts.

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Layoffs due to budget cuts are usually straightforward. Adjudication happens more with quits, firing for misconduct, or if there are discrepancies in your application.

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Even simple issues can trigger adjudication though. I've seen claims held up because of minor date discrepancies or employer disputes.

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Pro tip: keep detailed records of everything! Job search log, correspondence with Washington ESD, payment records, everything. You never know when you might need to appeal something or prove you followed the rules.

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Yes! I had to appeal an overpayment notice and having good records saved me. They wanted $2,800 back but I proved I reported everything correctly.

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Good advice, I'll start keeping track of everything from day one.

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The Washington ESD website has a lot of good information but it can be overwhelming at first. Start with the 'File a Claim' section and work through it step by step. Don't try to understand everything at once, just focus on getting your initial claim filed correctly.

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That's helpful, I was looking at their website and feeling totally overwhelmed by all the information.

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I felt the same way! The website is like a maze but once you figure out where everything is, it gets easier.

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Make sure you understand the difference between 'able and available' and standby status. If you're on temporary layoff expecting to return to work, you might be on standby which has different requirements.

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My employer said the layoff could be temporary. Should I mention that?

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Yes, definitely mention if it's temporary. Standby status means you don't have to do job searches but you can't work for anyone else either.

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Benefits typically last up to 26 weeks, but can be extended during high unemployment periods. You have to actively look for work the entire time and accept suitable job offers. 'Suitable' is defined by factors like your skills, previous wage, and how long you've been unemployed.

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Can they make you take a job that pays way less than what you were making?

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Initially no, but after several weeks the definition of 'suitable work' expands. Eventually you may need to accept jobs paying 75% of your previous wage.

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Don't forget about taxes - unemployment benefits are taxable income. You can have taxes withheld from your payments or you'll owe them when you file your return. I learned this the hard way and owed a big chunk at tax time.

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How much in taxes typically? Like what percentage?

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Depends on your total income for the year, but federal withholding is 10% if you elect it. State of Washington has no income tax so that's not a concern.

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The appeals process is important to understand too. If your claim is denied or you disagree with a decision, you have 30 days to file an appeal. Don't miss that deadline!

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What happens during an appeal?

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You get a hearing with an administrative law judge. You can present evidence and testimony. It's formal but you can represent yourself.

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One thing nobody mentioned - you might have to pay taxes on unemployment benefits. It's considered taxable income so keep that in mind for next year's tax return. You can have taxes withheld automatically or pay quarterly estimates.

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Oh I didn't even think about taxes! Should I have them withhold taxes automatically or handle it myself?

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Depends on your situation, but having them withhold 10% is usually easier than dealing with quarterly payments or a big tax bill later.

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I'm dealing with an adjudication issue right now and it's been 5 weeks with no contact from ESD. Tried calling hundreds of times. Someone mentioned Claimyr earlier - has anyone actually used them successfully? Getting desperate to talk to someone about my claim.

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Yes I used them when I couldn't get through about my claim status. They got me connected to an ESD agent within a few days when I'd been trying for weeks on my own.

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That would be amazing. The waiting and not knowing anything is driving me crazy.

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If your claim gets denied, you have 30 days to file an appeal. Don't miss this deadline! Appeals go to an administrative law judge and you get a hearing where you can present your case. Many denials get overturned on appeal if you have good documentation.

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Do you need a lawyer for the appeal hearing?

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You can represent yourself, but having legal help increases your chances. Some legal aid organizations help with unemployment appeals for free.

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If you run into problems with Washington ESD, don't give up! I had my claim denied initially because of a misunderstanding about why I was laid off. I appealed it and won, but it took 2 months total. The appeal process works if you have a legitimate case.

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How did you file the appeal? Was it complicated?

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You can appeal online or by mail within 30 days of the denial notice. I did it online and included a detailed explanation of what really happened. Had to do a phone hearing but it was worth it.

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This is another situation where Claimyr could help - if you need to reach Washington ESD about appeals or hearings, they can get you connected to the right department.

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Don't forget about the waiting week! In Washington you don't get paid for your first week of unemployment - it's called the waiting week. So even if everything goes perfectly, your first payment will be for week 2.

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Wait, so I won't get any money for the first week even if I'm approved?

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Exactly, the first week is unpaid. It's been like that for years in Washington. So plan accordingly because your first check will be delayed.

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WASHINGTON ESD IS SO SLOW AT EVERYTHING!! I filed 6 weeks ago and still waiting for adjudication to finish. This system is broken and they dont care about people who need help paying bills!!!

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I feel you, the system is definitely frustrating. Hang in there though, most people do eventually get approved if they qualify.

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Have you tried calling? I know it's hard to get through but sometimes they can give you an update on what's taking so long.

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tried calling 100 times, always busy or they hang up on me after waiting an hour

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For what it's worth, I was in a similar situation last year and used Claimyr to finally get through to Washington ESD when my claim got stuck. Worth trying if you're having trouble with phone calls - they specialize in getting people connected to ESD agents.

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How much does something like that cost? I'm already worried about money.

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I don't remember the exact amount but it was reasonable considering how much time and frustration it saved me. Check their website for current pricing.

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The job search requirement is 3 activities per week but they have to be 'adequate' job search activities. Just applying to random jobs you're not qualified for doesn't count. You need to make genuine efforts to find work in your field or related fields.

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How do they verify that you're doing adequate job searches? Do they check up on you?

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They can audit your job search log at any time and may contact employers to verify you actually applied. Keep good records and be honest about your search activities.

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i went through this whole process 2 years ago and honestly its not as bad as people make it seem. yes theres paperwork and waiting but if you follow the rules and stay on top of your weekly claims youll be fine. just dont expect it to be fast

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That's reassuring to hear! I'm trying to prepare myself for it to take a while but hoping for the best.

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Same experience here - it's more about patience than anything else. The system works but it's slow.

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One last thing - if you have any side gig income or part-time work while collecting unemployment, you MUST report it on your weekly claims. Even if it's just $50 from selling something online, report it. They will find out eventually and overpayment notices are a nightmare to deal with.

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Good to know! I was wondering about that. What if I do some freelance work occasionally?

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Report all income, including freelance work. They'll reduce your weekly benefit accordingly but it's better than getting hit with an overpayment later.

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This is so important! I got an overpayment notice for not reporting $300 in freelance income and it was a huge hassle to resolve.

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Don't forget about taxes! Unemployment benefits are taxable income. You can choose to have taxes withheld or pay quarterly, but don't ignore this or you'll owe money at tax time.

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How much tax should I have withheld?

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Washington ESD can withhold 10% for federal taxes. State taxes don't apply in Washington. But if you made good money before, you might need more withheld.

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One more tip - if you work part-time while on unemployment, you need to report all earnings. Washington has a partial benefit system where you can still get some unemployment if you work reduced hours.

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How does that work exactly?

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Basically if you earn less than 1.5 times your weekly benefit amount, you'll still get partial benefits. The exact calculation depends on your earnings that week.

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Watch out for overpayment notices! If Washington ESD determines you weren't eligible for benefits you received, they'll want the money back with interest. Always report changes immediately to avoid this.

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What kind of changes should I report?

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Any work, changes in availability, going back to school, moving out of state, basically anything that might affect your eligibility.

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The waiting period is usually one week, meaning you won't get paid for your first week of unemployment even if approved. This is normal and not a sign of problems with your claim.

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So I file for week 1 but don't get paid until week 2?

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Exactly. You file for week 1, it's your waiting week. You get paid starting with week 2 if everything goes smoothly.

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I mentioned Claimyr earlier - honestly it was a lifesaver when I had questions about my claim status. The Washington ESD phone system is brutal and I was getting nowhere. Claimyr got me connected to an agent who cleared up my issue in 10 minutes.

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How much does something like that cost though?

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It's worth checking their site for current info. For me the time saved was worth it versus spending hours trying to get through on my own.

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Register with WorkSource Washington too. They have job search resources and sometimes attending their workshops counts toward your job search requirements.

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Is WorkSource required or just recommended?

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Not required for everyone, but some claimants are required to participate. Either way, they have good resources and networking opportunities.

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Keep copies of everything! Your initial application, weekly claims, any correspondence from Washington ESD, job search logs, everything. You never know when you'll need to reference something.

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Should I print everything out or are electronic copies fine?

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Electronic is fine but make sure you back them up. I keep screenshots of my weekly claims and save all emails from Washington ESD.

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If you have problems with your claim, document everything. Dates, times, who you talked to, what was said. This helps if you need to escalate or appeal later.

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Good advice. I'll start a folder for all this stuff.

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Smart move. Organization makes a huge difference if you run into issues down the road.

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Don't panic if your claim takes a while to process. The system is slow but it usually works out eventually. Just keep filing your weekly claims and stay on top of job searches.

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Thanks everyone for all the advice. This has been incredibly helpful!

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Good luck with everything! Feel free to come back with specific questions as you go through the process.

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One last thing - if you're collecting unemployment and get a job offer, you generally can't turn it down if it's suitable work. The definition of suitable work changes over time too.

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What makes a job 'suitable'?

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It's complicated but generally relates to your skills, experience, and how long you've been unemployed. Early on you can be picky, but over time you need to consider lower-paying or different jobs.

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Since people were asking about Claimyr - I used it twice during my unemployment and both times got connected within an hour instead of spending all day calling. Really helped when I had time-sensitive questions about my claim.

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Wish I had known about this earlier. Spent so many frustrating hours on hold.

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Yeah the phone situation with Washington ESD is rough. Services like this exist because the regular system is so hard to navigate.

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Remember that unemployment is insurance you paid into while working. Don't feel guilty about using it - that's what it's there for. Focus on your job search and getting back to work.

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Thank you, I needed to hear that. This whole situation is stressful enough without feeling bad about needing help.

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Exactly. Use the time productively but don't beat yourself up. Most people need unemployment at some point in their careers.

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been on unemployment twice and honestly the system works but it's slow and confusing. biggest mistake people make is not filing immediately when they lose their job. you can't backdate claims so every week you wait is money lost forever

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Good to know! I'll file right away if I end up needing to.

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Final tips: Set up direct deposit (much faster than waiting for debit cards), file your weekly claims on the same day each week to establish a routine, and never assume anything is working correctly - check your account regularly for issues or requests for information. The system doesn't always notify you when action is needed.

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This has been incredibly helpful, thank you everyone! I feel much more prepared now.

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Good luck! Hope you don't need to use this information, but if you do, you'll be ready.

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one more thing - if you do any freelance or part time work while collecting unemployment, you MUST report it on your weekly claim. even if it's just $50. they will find out eventually and you'll owe overpayment penalties

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What happens with overpayments?

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you have to pay back every penny plus penalties and interest. and they can take it from future benefits or tax refunds. not worth the risk

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The job search requirement isn't just busy work - they do audit people. Keep a detailed log with company names, positions, dates, and method of contact. I got audited and had to provide 12 weeks worth of job search records.

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How did the audit work? Did they contact the employers you applied to?

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They can, but mostly they just wanted to see my records. As long as you have legitimate job contacts documented, you're fine.

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Had a friend who got confused about standby status vs regular unemployment. If your employer puts you on temporary layoff with a specific return date, that's standby - different rules. You don't have to job search but you have to be available to return when called.

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How do you know if you're on standby status?

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Your employer has to specifically request standby status when they report your layoff to ESD. You'll see it indicated on your claim.

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Another vote for that Claimyr service if you need to reach ESD. Used them when my identity verification got stuck and I couldn't get anyone on the phone. Worth every penny to actually talk to a human being who could fix my account.

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Seems like a lot of people have had success with that. Good to know it's an option.

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