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Laura Lopez

How is unemployment pay rate calculated in Washington ESD - confused about my weekly benefit amount

I just got approved for unemployment after being laid off from my job at a tech company in Seattle. My weekly benefit amount seems lower than what I expected based on my previous salary. I was making $75,000 annually before taxes, but my weekly UI payment is only $844. I thought it would be higher since Washington has pretty good unemployment benefits. Can someone explain how Washington ESD actually calculates the weekly benefit rate? I've looked at their website but the formula is confusing with all the base period quarters and stuff.

Washington ESD uses your highest earning quarter during your base period to calculate your weekly benefit amount. Your base period is typically the first 4 of the last 5 completed calendar quarters before you filed. So if you filed in January 2025, they'd look at quarters from January 2024 through September 2024. Your weekly benefit is roughly 3.85% of your highest quarter earnings, up to the maximum of $999 per week for 2025.

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That makes more sense! So it's not based on my annual salary but on my best quarter during that base period. I started that job in March 2024, so maybe my highest quarter wasn't as high as I thought.

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exactly, and if you didn't work the full base period at that salary it can definitely lower your weekly amount

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Just went through this calculation myself last month. The tricky part is understanding which quarters count. Washington ESD looks at completed quarters only, so partial quarters don't help much. Also, your total base period wages need to be at least $3,850 to qualify, and your highest quarter needs to be at least 1.5 times what you earned in your lowest quarter.

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Wow, I had no idea about the 1.5 times requirement. Is there a way to check which quarters they used for my calculation?

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Yes, you should have received a monetary determination letter that shows exactly which quarters and wages they used. If you didn't get it or lost it, you can request a copy through your SecureAccess Washington account.

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I had issues getting through to Washington ESD to ask about my benefit calculation when I was confused about the same thing. Kept getting busy signals and disconnected calls. Finally used this service called Claimyr (claimyr.com) that actually got me connected to an agent who walked me through exactly how they calculated my weekly amount. They have a video demo at https://youtu.be/7DieNd3C7zQ showing how it works. Worth checking out if you can't get through the regular way.

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Never heard of Claimyr before. Did they charge you for getting connected to Washington ESD?

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They do charge for the service, but honestly it was worth it to avoid spending hours trying to get through. The agent explained everything clearly and I got my questions answered in one call instead of calling for weeks.

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Interesting, might try that if I have issues with my claim. The Washington ESD phone system is absolutely brutal to deal with.

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don't forget about the waiting week! your first week of unemployment doesn't get paid even though you have to file the weekly claim. caught me off guard when i didn't get paid for my first week

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Wait, what? There's a waiting week? Nobody told me about that when I filed my initial claim.

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The waiting week was actually eliminated in Washington during COVID and hasn't been reinstated. You should get paid for your first eligible week as long as you file your weekly claim properly.

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oh really? that's good news then. maybe i was thinking of when i filed in 2019 before the pandemic

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also keep in mind that if you had multiple jobs during your base period, Washington ESD combines all the wages from all employers. helped boost my weekly amount since i had a part time job in addition to my main job

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That's helpful to know. I did some freelance work during 2024 that should show up on my wage records.

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Just make sure that freelance work was reported properly with tax forms. If it was 1099 work and you didn't pay into unemployment insurance, it might not count toward your base period wages.

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The Washington ESD website has a benefit calculator tool that's actually pretty accurate if you know your quarterly wages. It's under the 'Unemployment Benefits' section. Might be worth plugging in your numbers to see if your benefit amount is correct.

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I'll definitely check that out. Thanks for the tip!

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Used that calculator when I was laid off in 2024. It was spot on with what I actually received. Really helpful for budgeting purposes.

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Something to remember is that your weekly benefit amount stays the same throughout your entire benefit year, even if you get a new job and then become unemployed again within that same benefit year. The benefit year runs for 52 weeks from when you first filed.

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This is important! I learned this the hard way when I went back to work for a few months then got laid off again.

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Good to know. Hopefully I won't need to file again within the year, but it's useful information.

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If you think Washington ESD made an error in calculating your weekly benefit amount, you can appeal the monetary determination. You have 30 days from the date of the determination letter to file an appeal. I successfully appealed mine when they missed wages from one of my employers.

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How long did the appeal process take? Was it complicated?

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Took about 6 weeks total. Had to provide pay stubs and tax documents to prove the missing wages. Once I submitted the evidence, it was straightforward. They adjusted my weekly amount and paid me the difference retroactively.

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That's encouraging. I'm dealing with a similar situation where they seem to have missed some of my wages from Q2 2024.

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Quick question - does overtime pay count toward your base period wages for the calculation? I worked a lot of OT in 2024 and wondering if that helped my weekly benefit amount.

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Yes, all wages reported to Washington ESD count, including overtime, bonuses, commissions, and tips. As long as unemployment taxes were paid on those wages, they'll be included in your base period calculation.

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Perfect, that explains why my benefit amount was higher than expected. Thanks!

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For anyone still confused about the calculation, I found a really good explanation on the Washington State Employment Security Department website under 'How Benefits Are Calculated.' It breaks down the formula step by step with examples. Much clearer than trying to figure it out from the monetary determination letter alone.

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Thanks for sharing that resource! The Washington ESD website can be hard to navigate sometimes.

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I'll look for that section. The more I understand about how this all works, the better I can plan my finances while job searching.

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One thing that tripped me up initially was thinking the maximum weekly benefit was higher than it actually is. For 2025, the max is $999 per week in Washington, which sounds like a lot but when you factor in taxes and cost of living in Seattle, it's really not that much compared to tech salaries.

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Yeah, $844 per week is definitely a pay cut from my previous salary, but it's better than nothing while I job search.

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At least Washington has one of the higher maximum weekly benefits compared to other states. Some states cap it at like $300-400 per week.

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True, we're fortunate in that regard. Still feels tight when you're used to a higher income though.

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Make sure you're filing your weekly claims every week to get your benefits! Even if you do some part-time work, you might still be eligible for partial benefits. Washington ESD has a partial benefit calculator too.

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Good reminder. I've been filing every Sunday like clockwork. Haven't done any work yet but good to know about partial benefits.

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The partial benefit rules in Washington are actually pretty generous compared to other states. You can earn up to about 1.5 times your weekly benefit amount before you lose all benefits for that week.

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I was in a similar situation and had trouble reaching Washington ESD to clarify my benefit calculation. Tried calling for weeks with no luck. Eventually found out about Claimyr through a friend who used them successfully. They got me connected to an agent who explained exactly how my base period wages were calculated and why my weekly amount was what it was. Really took the guesswork out of it.

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Did you have to wait long after using their service to get connected?

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No, it was pretty quick actually. Much faster than trying to get through on my own. The agent was really knowledgeable about Washington ESD's calculation methods too.

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Don't forget that your unemployment benefits are taxable income! You can choose to have taxes withheld from your weekly payments or pay them when you file your tax return. I learned this the hard way and owed a bunch of money at tax time.

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Oh wow, I didn't think about taxes. Should I have them withhold taxes from my weekly payments?

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I'd recommend it, especially if you're in a higher tax bracket. You can set up tax withholding through your SecureAccess Washington account. Better to have it taken out now than get hit with a big tax bill later.

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This is such important advice. I always have taxes withheld from my UI benefits to avoid any surprises.

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The calculation can also be affected if you were in the military or worked for the federal government during your base period. Those wages might be handled differently, so it's worth double-checking if that applies to your situation.

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Doesn't apply to me, but good information for others who might be reading this thread.

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Yes, federal wages and military service can complicate the calculation. Usually requires additional paperwork too.

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If anyone is still having trouble understanding their benefit calculation or needs to speak with Washington ESD about discrepancies, I've had good luck with Claimyr for getting through to agents. Used them twice now when I couldn't get through the regular phone lines. Their website is claimyr.com and they have a demo video that shows how it works. Definitely saved me hours of frustration trying to call on my own.

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I keep seeing Claimyr mentioned in these threads. Might be worth trying if I run into issues with my claim.

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Thanks for sharing your experience. It's good to know there are options when the regular phone system doesn't work.

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Just want to add that if you worked in multiple states during your base period, you might need to file an interstate claim. This can affect how your wages are calculated since different states have different rules and wage databases.

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Interstate claims can be really confusing. I had to deal with this when I moved from Oregon to Washington mid-2024.

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Fortunately I only worked in Washington during my base period, so this shouldn't be an issue for me.

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Bottom line - if your weekly benefit amount seems wrong, don't just accept it. Check your monetary determination letter carefully, compare it to your actual earnings, and appeal if necessary. Washington ESD does make mistakes sometimes, and you have the right to challenge their calculation.

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Great advice. I'm going to review my determination letter more carefully and make sure all my wages from 2024 are included.

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Absolutely this. I caught an error where they missed an entire employer and got my weekly amount increased by $200.

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That's a significant difference! Shows how important it is to double-check everything.

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