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Aurora St.Pierre

How long can a person get unemployment benefits through Washington ESD?

I just got laid off from my job at a manufacturing plant after 8 years and I'm trying to figure out how long Washington ESD unemployment benefits last. I've never had to file for unemployment before so this is all new to me. I know there's a standard time period but I'm seeing conflicting information online. Some sites say 26 weeks, others mention extensions during certain periods. Can someone explain how long the benefits actually last in Washington state? Also do I need to do anything special to keep getting them or do they automatically continue? I'm really stressed about making my mortgage payments and need to plan accordingly.

In Washington state, regular unemployment insurance (UI) benefits last for a maximum of 26 weeks during a benefit year. That's the standard duration that's been in place for years. You'll need to file weekly claims every week to continue receiving benefits, and you have to meet the job search requirements which is currently 3 job search activities per week.

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Thanks for the info! What exactly counts as a job search activity? Is it just applying for jobs or are there other things I can do?

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Job search activities include applying for jobs, attending job fairs, networking events, skills assessments, interviewing, or using WorkSourceWA services. You need to keep a job search log with details about each activity.

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The 26 weeks is correct but there can be extensions during high unemployment periods. Right now there aren't any federal extensions available like there were during COVID. You get one benefit year which is 52 weeks from when you first filed, and within that year you can collect up to 26 weeks of benefits if you remain eligible.

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So if I use up all 26 weeks before the year is up, I can't get any more benefits even if I'm still unemployed?

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Correct, once you exhaust your 26 weeks that's it unless Congress authorizes extended benefits. You'd have to wait until the next benefit year and requalify based on new work history.

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Don't forget you have to be able and available for work every week when you file your weekly claim. If you're sick, on vacation, or can't work for any reason that week, you won't be eligible for benefits that week. The 26 weeks only counts weeks you actually receive payment.

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Good to know! What if I get a part-time job while I'm looking for full-time work? Do I lose my benefits completely?

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No, you can work part-time and still collect partial benefits. Washington ESD will deduct 75% of your gross earnings from your weekly benefit amount. So if you make $200 that week, they'll reduce your benefits by $150.

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I'm in a similar situation and have been struggling to get through to Washington ESD to ask questions about my claim. The phone lines are always busy and I keep getting disconnected. I found this service called Claimyr that helped me actually reach an agent. You can check it out at claimyr.com - they have a demo video at https://youtu.be/7DieNd3C7zQ that explains how it works. Saved me hours of calling.

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Interesting, I haven't heard of that before. Did it actually work for you?

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Yeah it did! I was able to get my questions answered about my weekly claims and they explained the job search requirements clearly. Much better than sitting on hold for hours.

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I've been trying to call Washington ESD for two weeks straight with no luck. Might have to try this Claimyr thing if it actually works.

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TWENTY SIX WEEKS IS NOT ENOUGH!! I've been looking for work for 5 months and there's nothing out there that pays what I was making. The system is broken when you can only get benefits for half a year but the job market is terrible. What are we supposed to do after that?

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I understand the frustration, but the 26 week limit has been standard for decades. During the Great Recession and COVID there were federal extensions, but those are rare exceptions.

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Well it's not working! People are losing their homes because 26 weeks isn't realistic in today's job market.

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just filed last week, do i automatically get the full 26 weeks or do i have to reapply at some point

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You don't have to reapply, but you do have to file a weekly claim every single week to continue receiving benefits. Miss filing your weekly claim and you could lose benefits for that week.

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ok thanks, when do i file the weekly claims? is there a specific day?

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You file weekly claims for the previous week. So this week you'd file for last week. You can file Sunday through Saturday but most people do it on Sunday for the week that just ended.

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The benefit amount also matters. In Washington your weekly benefit amount is calculated based on your highest earning quarter in your base period. Maximum weekly benefit is currently $999 per week but most people get less than that.

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How do they calculate the exact amount? I made about $65,000 last year.

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They take your highest quarter earnings, divide by 26, then multiply by 0.0385. So if your highest quarter was $18,000, that would be about $26 per week benefit. There's also a minimum benefit amount.

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Been trying to get through to Washington ESD for weeks to ask about my benefit calculation and it's impossible. The automated system hangs up on me and the callback option never works. This is ridiculous.

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That's exactly why I ended up using Claimyr. The regular phone system is completely overwhelmed and you can waste entire days trying to get through.

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At this point I'm willing to try anything. The lack of communication from Washington ESD is making everything worse.

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One thing to keep in mind is that your benefit year starts when you first file your claim, not when you were laid off. So if you wait a month to file, you're shortening the time period you have to collect those 26 weeks of benefits.

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I filed right away fortunately. Does the benefit year reset if I find a job and then get laid off again?

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If you work enough to establish a new base period with sufficient earnings, you can file a new claim. But you can't have two benefit years overlapping.

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Remember that you also have to pay federal taxes on unemployment benefits. They don't automatically withhold federal taxes so you might owe money at tax time if you don't plan for it. You can have them withhold 10% when you file your weekly claim.

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Oh wow, I didn't realize unemployment was taxable. That's going to reduce what I actually get to keep.

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Yes, it's considered income by the IRS. Washington state doesn't have income tax so no state taxes, but federal taxes definitely apply.

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I went through this whole process last year. The 26 weeks goes by faster than you think, especially if you're being selective about jobs. Start applying broadly early on because you don't want to hit week 20 and panic about running out of time.

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That's good advice. I was thinking about being picky but maybe I should cast a wider net from the start.

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Exactly. You can always turn down a job offer if something better comes along, but you can't turn down unemployment benefits once they're exhausted.

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Also make sure you understand the difference between being laid off vs fired vs quitting. If you were fired for misconduct or quit without good cause, you might be disqualified from receiving benefits entirely.

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I was definitely laid off due to company downsizing, so I should be fine there. They gave me a letter explaining it was due to lack of work.

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Perfect, that letter will be helpful if Washington ESD has any questions about the reason for separation.

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The job search requirement is 3 activities per week but during your first week you only need to register with WorkSourceWA. After that it's 3 per week every week until you find work or exhaust benefits.

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What happens if I can't find 3 legitimate job search activities in a week? The job market seems pretty tight in my field.

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You can expand your search to related fields, attend virtual job fairs, take online courses, or use WorkSourceWA services. They count things like updating your resume or networking events too.

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Just remember the 26 weeks is a maximum, not a guarantee. If you find work before then, obviously the benefits stop. And if you turn down suitable work without good cause, you could be disqualified.

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What's considered 'suitable work'? Does it have to be in my same field or at the same pay level?

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Generally it starts closer to your previous job and pay level, but as time goes on the definition of suitable work expands. After several weeks you might be expected to consider jobs at 75% of your previous wage.

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had to deal with an adjudication issue on my claim and it took forever to resolve. if you run into problems, definitely try to get a human on the phone rather than just waiting. the automated system doesn't help with complex issues.

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How long did your adjudication take? I'm hoping mine goes smoothly but want to be prepared.

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took about 6 weeks total, but i used that claimyr service someone mentioned to actually reach an agent and get status updates. made a huge difference.

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The weekly benefit amount also depends on if you have dependents. You can get additional money for dependent children under 18, which extends the total you can receive over the 26 weeks.

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I don't have kids but that's good to know for others. How much extra do you get per dependent?

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I think it's like $25 per dependent child per week, but there's a maximum family benefit amount. Not sure of the exact current numbers.

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Don't forget about the waiting week. In Washington you don't get paid for the first week of your claim - that's considered a waiting week. So really you get paid for 25 weeks out of your 26 eligible weeks.

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Wait, so there's no payment for the very first week? That seems harsh when people just lost their jobs.

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Exactly, the first week is unpaid. It's supposed to prevent people from filing claims for very short periods of unemployment. Most states have this.

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Keep in mind that if you have a pension or retirement income it might affect your unemployment benefits. Washington ESD will ask about any other income when you file your weekly claims.

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I don't have any retirement income since I'm only 34, but good to know they ask about that stuff.

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The key thing is to file your weekly claims on time every single week. If you miss the deadline you could lose benefits for that week and it's hard to get them to reverse it. Set up a reminder on your phone.

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Good advice! I'll set up a Sunday reminder to file my weekly claim. Better safe than sorry.

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Smart move. I've seen people lose thousands of dollars because they forgot to file on time or thought they could skip a week.

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Also worth noting that the 26 weeks can be spread out over your benefit year if you have periods of part-time work. So if you work part-time for a few weeks and don't collect benefits, those weeks don't count against your 26 week maximum.

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That's actually really helpful to know. So the 26 weeks is 26 weeks of actual benefit payments, not 26 calendar weeks from when I filed?

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Exactly right. It's 26 weeks of payments, which could be stretched over a longer period depending on your work situation.

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