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Javier Cruz

How is the amount of unemployment calculated in Washington ESD?

I just got approved for unemployment benefits and I'm trying to understand how Washington ESD calculated my weekly benefit amount. My benefit notice shows $487 per week but I'm not sure how they came up with that number. I made about $52,000 last year working full-time as a marketing coordinator. Is there a formula they use? I've heard it's based on your highest earning quarter but I'm confused about the specifics.

Washington ESD uses your base period wages to calculate your weekly benefit amount (WBA). They look at your highest earning quarter from your base period and divide that by 26. Your base period is usually the first 4 of the last 5 completed calendar quarters before you filed your claim.

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So if my highest quarter was $15,000, that would be about $576 per week? But my notice shows $487.

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There's also a cap - the maximum weekly benefit amount changes each year. For 2025 it's around $999 per week, but your amount might be limited by other factors in the calculation.

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I had the same confusion when I got my determination letter! The formula is actually (highest quarter wages ÷ 26) but then they also check that you have enough total base period wages. You need at least 680 hours of work or wages equal to 680 times the state minimum wage.

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I definitely worked more than 680 hours so that shouldn't be an issue. Maybe there's something else affecting my calculation?

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Did you have any gaps in employment during your base period? That could affect which quarters they use for the calculation.

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The Washington ESD website has a benefit calculator tool but honestly it's pretty confusing to use. When I couldn't figure out my calculation I ended up calling them directly. Took forever to get through though - like 45 minutes on hold.

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45 minutes isn't even that bad! I've been trying to call Washington ESD for weeks about my adjudication and can never get through.

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Have you tried using Claimyr? I found out about it from someone on here and it actually got me connected to a real person at Washington ESD in like 10 minutes. They have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Never heard of that but I'll check it out. Getting through to Washington ESD is impossible otherwise.

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your benefit amount also depends on if you worked in multiple states during your base period. washington esd might need to do a combined wage claim if you had wages from other states.

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I only worked in Washington so that shouldn't apply to me.

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Another thing to check - make sure all your employers reported your wages correctly to Washington ESD. Sometimes there are discrepancies that affect your benefit calculation. You can see your wage history in your SecureAccess Washington account.

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Good point, I should double-check that. Where exactly do I find the wage history in my SAW account?

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Log into your account and look for 'View Wage and Benefit History' or something similar. It'll show what wages each employer reported for each quarter.

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Found it! Looks like one of my employers might have reported wages in the wrong quarter. That could explain the difference.

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The whole calculation system is so confusing. I never understood why they use quarters instead of just looking at your annual salary. Makes everything more complicated than it needs to be.

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It's because unemployment is designed to replace recent wages, not necessarily your highest earning period. The quarterly system helps ensure you were actually working recently.

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I guess that makes sense but it's still confusing for people trying to figure out their benefits.

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If there's an error in your benefit calculation you can appeal it. I had to do that when they miscalculated mine - they were using old wage data instead of my most recent earnings.

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How long does the appeal process take? I want to make sure my calculation is correct before I start filing weekly claims.

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Mine took about 3 weeks but I had to call them to follow up. Definitely worth doing if you think there's an error though.

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Just want to mention that if you work part-time while collecting benefits, they'll reduce your weekly amount. It's not dollar-for-dollar though - you can earn up to about 1/3 of your weekly benefit without any deduction.

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That's good to know for later. Right now I'm focusing on full-time job search but part-time work might be an option.

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the calculation also factors in your total base period wages not just the highest quarter. you need enough total wages to qualify for the full benefit amount based on your highest quarter.

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Exactly - this is why some people get less than the simple highest quarter ÷ 26 calculation. The total base period wages requirement can limit the benefit amount.

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I'm dealing with this same issue right now. My calculation seems off and I can't get through to Washington ESD to ask about it. The phone system is terrible.

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Seriously try Claimyr - claimyr.com. It's been a lifesaver for getting through to actual Washington ESD staff when you can't reach them normally.

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I'll look into it, thanks. At this point I'm willing to try anything to get answers about my benefit calculation.

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Don't forget that unemployment benefits are taxable income. The amount on your determination letter is before taxes, so you might want to have taxes withheld or set money aside for tax time.

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Good reminder! I forgot about the tax implications. Can I set up tax withholding through my SAW account?

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Yes, you can elect to have 10% withheld for federal taxes when you file your weekly claims. State taxes aren't withheld but Washington doesn't have state income tax anyway.

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Another factor that can affect your benefit amount is if you received severance pay or vacation payout when you left your job. Washington ESD might allocate those payments to specific weeks which could impact your benefits.

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I did get two weeks of vacation pay when I was laid off. Would that affect my weekly benefit amount calculation or just delay when I can start collecting?

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It usually just delays when you can start collecting, not the actual weekly amount. But you should report it when you file your initial claim to make sure it's handled correctly.

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The benefit calculation can also be affected if you're on standby with your employer. Standby benefits are calculated differently than regular unemployment benefits.

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I'm not on standby - I was permanently laid off. So regular benefit calculation should apply to me.

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If you think your calculation is wrong definitely get it sorted out sooner rather than later. I waited months to question mine and it was much harder to get it corrected after I'd already been collecting benefits.

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That's exactly what I'm worried about. I want to make sure everything is correct from the start.

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Smart approach. Better to spend the time getting it right now than dealing with overpayment issues later.

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washington esd also has a minimum weekly benefit amount - i think it's around $295 per week for 2025. so even if your calculation comes out lower than that you'd still get the minimum.

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My amount is well above that so the minimum wouldn't apply. Still trying to figure out why my calculation seems lower than expected though.

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Have you considered that Washington ESD might be using an alternate base period? If you don't have enough wages in the standard base period, they'll automatically check the alternate base period which uses more recent quarters.

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How would I know if they used the alternate base period? Would that be shown on my determination letter?

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It should be indicated on your monetary determination. Look for language about which quarters were used in the calculation.

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Just make sure you understand your benefit year duration too. In Washington you get up to 26 weeks of benefits during your benefit year, and your weekly amount stays the same throughout that period unless you have a new claim.

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Good to know. So once the weekly amount is set, it doesn't change even if I find part-time work or my situation changes?

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The weekly benefit amount stays the same, but your actual payment can be reduced if you earn wages while collecting. You still need to report any work when you file your weekly claims.

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I've been through this whole process and the best advice I can give is to call Washington ESD directly if you have questions about your calculation. They can walk you through exactly how they came up with your amount.

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Easier said than done! I've been trying to call for weeks and can never get through to a real person.

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I had the same problem until someone told me about Claimyr. It's a service that helps you get connected to Washington ESD agents. Worked great for me when I needed to discuss my benefit calculation.

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Bottom line is that benefit calculations can be complex and there are lots of factors that can affect your amount. If you're not sure about yours, it's worth getting clarification from Washington ESD rather than just accepting it and potentially missing out on benefits you're entitled to.

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Agreed. I'm going to review my wage history and then try to contact them to make sure my calculation is accurate. Thanks everyone for all the helpful information!

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