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Ruby Garcia

How long to claim unemployment benefits in Washington - time limits?

I just got laid off from my restaurant job after 2 years and I'm confused about the timing for filing my Washington ESD claim. Do I need to file immediately or is there a grace period? Also, how long can I actually collect benefits? I've heard different things from coworkers - some say you have to file within a week, others say you have more time. I don't want to mess this up and lose out on benefits I'm entitled to. Can someone clarify the actual time limits for both filing and collecting?

You should file as soon as possible after your last day of work. Washington ESD doesn't pay benefits for weeks before you file your claim, so every day you wait is potentially money lost. The general rule is to file within the first week after becoming unemployed.

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So if I was laid off on Friday, I should file this week? I thought there might be a waiting period or something.

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Exactly - file ASAP. There used to be a waiting week but that was eliminated. You can receive benefits starting from your first week of unemployment if you file promptly.

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From my experience, you can collect UI benefits for up to 26 weeks (about 6 months) in a regular benefit year. But this depends on your work history and earnings. Some people qualify for less time if they haven't worked enough.

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wait, is it always 26 weeks? I thought it varied based on how long you worked at your job

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The maximum is 26 weeks, but you might qualify for fewer weeks if your work history is limited. It's based on your earnings in your base period, not just how long you worked at your last job.

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What's a base period? I worked at the restaurant for 2 years straight, does that help?

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Definitely file immediately. I made the mistake of waiting 3 weeks after my layoff thinking I needed to job search first, and I lost those 3 weeks of benefits forever. Washington ESD can't backdate your claim to before you filed. Also, if you're having trouble getting through to Washington ESD by phone to ask questions, I recently discovered Claimyr (claimyr.com) which helped me connect with an actual agent. They have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Oh no, so if I wait I actually lose money? That's crazy. I'll file today then. What's this Claimyr thing though?

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Yeah, you lose those weeks permanently. Claimyr basically helps you get through to Washington ESD agents when the phone lines are jammed. Super helpful when you have questions that the website can't answer.

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ugh the timing thing is so stressful!! I was laid off 2 months ago and filed right away but my claim is STILL in adjudication. Like what's the point of filing quickly if they're just going to sit on it forever???

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Adjudication can take time, especially if there are questions about your separation. Have you tried calling to check on the status?

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I've tried calling literally dozens of times and can never get through. It just rings and rings or gives me a busy signal.

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This is exactly why I mentioned Claimyr - it solved that exact problem for me. The constant busy signals and hold times were driving me crazy.

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To clarify the benefit duration: you can collect for up to 26 weeks OR until you exhaust your benefit amount, whichever comes first. Your benefit amount is calculated based on your highest earning quarter in your base period. The base period is typically the first 4 of the last 5 completed calendar quarters before you filed.

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this is confusing af. can someone explain in normal english?

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Sure - basically they look at how much you earned in the past year (roughly) to determine both your weekly benefit amount and total benefit entitlement. More earnings = more benefits, up to the state maximums.

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Since I worked at the restaurant for 2 years making decent tips, I should qualify for the full 26 weeks then?

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File immediately but also make sure you meet the work requirements. You need to have worked in at least 2 quarters during your base period and earned at least $1,019 in your highest quarter. Most people who worked steadily for 2 years will qualify easily though.

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I definitely made more than $1,019 in a quarter - I was making good money with tips. Should be fine then.

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Sounds like you'll qualify no problem. Just get that claim filed today if you can.

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Important reminder: even after you file, you need to file weekly claims every week to actually receive payments. Missing a week means you don't get paid for that week, even if you're eligible. Set a reminder for yourself.

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Weekly claims? What do you mean? I thought you just file once and then get checks.

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No, you have to certify every week that you're still unemployed and looking for work. It's called filing your weekly claim. You do this online through the Washington ESD website.

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And if you forget to file a weekly claim you're just screwed for that week? That seems harsh.

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The time limit to file varies by state but in Washington I think you have up to a year to file for a particular benefit year. However, like others said, you can't get paid for weeks before you file, so there's no advantage to waiting.

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You're thinking of the time limit to use benefits once you establish eligibility. For initial filing, there's no specific deadline, but practically you want to file ASAP to avoid losing benefit weeks.

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Right, that makes sense. Better to file immediately and not risk losing anything.

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Also worth mentioning - if you're working part-time while collecting unemployment, you can still potentially get partial benefits. But you have to report any earnings on your weekly claims. Don't try to hide work income or you'll get in trouble for fraud.

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Good to know. I might pick up some catering gigs while I look for a full-time restaurant job.

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Just make sure to report all earnings honestly. They cross-reference with employment records anyway.

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Quick question - do you have to be actively job searching from day one, or is there a grace period where you can just collect benefits while you figure out your next move?

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You need to be actively seeking work starting with your first week of benefits. This means applying for jobs, networking, training, etc. You have to log your job search activities.

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Ugh, so I can't just take a few weeks to decompress after getting laid off? That sucks.

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You can choose not to file for those weeks if you want a break, but then you won't receive benefits for those weeks. Most people need the money right away.

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For restaurant workers specifically, make sure you report your tip income accurately when you file. I know some servers underreport tips on their taxes, but Washington ESD will calculate your benefits based on your reported income, so underreporting hurts you here.

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I always reported my tips properly, learned that lesson early when a coworker got audited. Should help with my benefit amount then.

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Definitely will help. Tips count as wages for unemployment purposes.

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The Washington ESD website has a benefit calculator that can give you an estimate of your weekly benefit amount and duration before you even file. Might be worth checking out to see what you can expect.

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Oh that's helpful! I'll look for that on their website. Thanks for the tip.

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No problem. It's not 100% accurate since they don't have all your employment details, but it gives you a ballpark figure.

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Been on unemployment twice in the past 5 years (thanks, pandemic and then recession). Both times I filed within 3 days of my last day of work. First time took 2 weeks to get my first payment, second time took almost 6 weeks because of adjudication issues. The sooner you file, the sooner the clock starts ticking on processing your claim.

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6 weeks?? That's insane. How did you survive without income for that long?

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Credit cards and family help. It was rough. Eventually got backpaid for all those weeks though. Just wish I could have gotten through to someone at Washington ESD to speed things up.

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This is another situation where Claimyr would have been helpful - getting through to ask about adjudication delays.

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One more thing - keep track of when you file your initial claim because that starts your benefit year. If you don't use all 26 weeks and then become unemployed again later, you might be able to reopen the same claim if it's within the same benefit year.

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Interesting, so the benefits don't expire if you find a job and then lose it again?

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Not immediately. If it's within the same benefit year and you haven't exhausted your benefits, you can potentially reopen the claim. But there are specific rules about this.

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Does anyone know if there are different time limits for different types of layoffs? Like if you get fired vs laid off vs quit?

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The filing timeline is the same regardless, but your eligibility might be different. If you quit without good cause or were fired for misconduct, you might face a disqualification period.

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Got it. I was laid off due to slow business, so should be straightforward.

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Just want to emphasize again - FILE TODAY if you were recently laid off. I see too many people on here who waited weeks or months and lost out on thousands of dollars in benefits they could never get back. There's literally no benefit to waiting.

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Message received loud and clear! Filing as soon as I finish reading these responses. Thanks everyone for the advice.

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Good luck! The process can be frustrating but most claims go through eventually.

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For anyone struggling to reach Washington ESD by phone for questions, I had success with that Claimyr service someone mentioned earlier. Took about 20 minutes but I actually got through to a real person who could check my claim status. Way better than calling 50+ times myself.

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Is it expensive though? I'm already strapped for cash being unemployed.

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I can't remember the exact cost but it was worth it to finally get answers about my claim. Check out their site at claimyr.com for details.

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The bottom line is this: file immediately, file your weekly claims every week, keep looking for work, and be patient with the process. Most people eventually get their benefits, but the system is slow and bureaucratic. Don't let perfect be the enemy of good - just get started.

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Perfect summary. Thanks to everyone who responded - I feel much more confident about filing now.

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Glad we could help! This community is great for sharing experiences and advice.

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