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PixelPrincess

How is the amount of unemployment determined 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 previous job paid $65,000 annually but my weekly benefit is only $844. I worked there for 2 years straight with no gaps. Is this calculation correct? I thought unemployment was supposed to replace more of your income. Can someone explain how Washington ESD determines these amounts?

Washington ESD uses your base year wages to calculate your weekly benefit amount (WBA). They look at your highest quarter of earnings in your base year and divide by 26. The maximum weekly benefit in 2025 is $999, so your $844 sounds reasonable for your income level.

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What exactly is the base year? Is that the last 12 months I worked?

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No, the base year is the first 4 of the last 5 completed calendar quarters before you filed. So if you filed in January 2025, your base year would be October 2023 through September 2024.

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The formula is confusing but basically Washington ESD takes your highest earning quarter from your base year and divides it by 26 weeks. Then they also look at all 4 quarters combined to make sure you earned enough to qualify.

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So if I had a bonus or overtime in one quarter, that would help my weekly amount?

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Exactly! Any wages reported to Washington ESD in that quarter count toward your calculation.

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I was so confused about this too when I first filed. Had to call Washington ESD multiple times to understand the calculation. The phone lines are always busy but I found this service called Claimyr that helped me get through to an actual agent. They have a website at claimyr.com and even a video demo showing how it works: https://youtu.be/7DieNd3C7zQ. Really helped me understand my benefit calculation.

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How much does that cost? I've been trying to reach Washington ESD for weeks about my benefit amount.

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It's worth checking out their site for details. Much easier than spending hours on hold with Washington ESD.

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Your $844 weekly benefit actually sounds about right for a $65k salary. Washington ESD replaces roughly 50% of your average weekly wage up to the maximum. Since you made about $1,250 per week gross, half of that would be $625, but the calculation is more complex than that simple math.

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Why is it more complex? That seems like it should be straightforward.

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Because they use your actual reported quarterly wages, not your annual salary. If you had fluctuating income or started mid-year, it affects the calculation.

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ugh the whole system is so confusing!! i got like $450/week and i have no idea how they came up with that number. washington esd never explains anything clearly

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You can request a detailed breakdown of your benefit calculation from Washington ESD. It will show exactly which quarters they used and how they calculated your WBA.

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good luck getting through to them on the phone though

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There's also a minimum weekly benefit amount in Washington. For 2025, you need to have earned at least $3,432 in your highest quarter to qualify for benefits. The minimum WBA is $342 per week.

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What if you worked part-time or had multiple jobs during the base year?

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All wages from all employers get combined as long as they were reported to Washington ESD. Part-time work still counts toward your total base year wages.

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I've been trying to reach Washington ESD for 3 weeks to understand why my benefit amount is so low. The automated system just keeps hanging up on me after an hour on hold. This is ridiculous!

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That's exactly why I mentioned Claimyr earlier. They specialize in getting through to Washington ESD agents when you can't reach them yourself.

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I'll check that out, thanks. At this point I'm willing to try anything to get answers.

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Another thing to remember is that your weekly benefit amount stays the same for your entire benefit year, even if you had a higher paying job more recently. It's all based on that base year calculation.

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So if I got a big raise right before I was laid off, that won't help my unemployment amount?

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Not unless that raise was during your base year quarters. Recent income doesn't count for the current claim.

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The maximum weekly benefit in Washington is tied to the state average weekly wage. It gets updated annually, which is why it went up to $999 in 2025.

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Does that mean if I wait to file, I might get a higher benefit amount?

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No, you should file as soon as you're unemployed. Waiting just means you lose out on potential benefits. The calculation is based on when you file, not when you delay.

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One more important point - if you don't have enough wages in your regular base year, Washington ESD can use an 'alternate base year' which includes more recent quarters. This sometimes results in a higher benefit amount.

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How do I know if they used the alternate base year for my calculation?

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It should be noted on your monetary determination letter. If you didn't receive one or it's unclear, that's another reason to contact Washington ESD directly.

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Just want to add that commission and bonus payments can really affect your calculation if they fell in your highest quarter. I had a big commission check that boosted my weekly benefit amount significantly.

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That's good to know. I did get a year-end bonus in December 2023, so maybe that's helping my calculation.

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Update: I finally got through to Washington ESD using that Claimyr service someone mentioned. Turns out my benefit calculation was correct, but they explained it much better than any of the online resources. Worth every penny to actually talk to a real person.

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Glad you got answers! The phone system is so broken, it's crazy that we need third-party services just to reach our own state agency.

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For anyone still confused, you can also check your quarterly wage reports on the Washington ESD website. Login to your account and look for 'View Benefit Year Information' to see exactly what wages they used.

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I found that section! It shows my wages by quarter but I'm still not sure how they got to $844 from those numbers.

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Take your highest quarter amount and divide by 26. That should be close to your weekly benefit amount, though there might be small adjustments for rounding.

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been unemployed 3 times in the last 5 years and still don't fully understand this calculation lol. just glad i get something each week

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The important thing is that you're getting benefits. The calculation is complex but as long as you're receiving the correct amount, that's what matters.

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One final tip for anyone reading this thread - if you think your benefit calculation is wrong, you can appeal it within 30 days of receiving your monetary determination. Don't wait if you have questions about the amount.

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Good to know there's an appeal process. I think my amount is correct now that I understand the calculation better.

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The Washington ESD website has a benefit calculator tool that can give you an estimate, but it's not always accurate because it doesn't account for all the nuances in the calculation.

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I tried that calculator before filing and it was off by about $50. Close enough for planning purposes though.

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Remember that unemployment benefits are taxable income too. You can choose to have taxes withheld from your weekly payments or pay quarterly estimated taxes.

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Thanks for the reminder. I set up tax withholding when I filed my claim.

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Just to wrap up the main question - your $844 weekly benefit for a $65k salary is definitely in the right ballpark. Washington ESD's calculation method is designed to replace about 50% of your wages up to the state maximum.

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Perfect, that makes me feel much better about the amount. Thanks everyone for explaining this so clearly!

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This thread has been super helpful! I'm about to file for unemployment and was worried about how much I'd receive. Good to know the process is at least predictable.

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File as soon as possible after becoming unemployed. There's a one-week waiting period, so the sooner you file, the sooner you can start receiving benefits.

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One thing that caught me off guard was that if you worked in multiple states, it can affect which state you file in and how your benefits are calculated. Washington ESD can help determine the best option.

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Fortunately I only worked in Washington, so that's not an issue for me.

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