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Alina Rosenthal

How much can I collect unemployment benefits in Washington state?

I'm trying to figure out what my weekly unemployment benefit amount would be if I file a claim with Washington ESD. I've been working at a manufacturing job for about 2 years making $58,000 annually. Does anyone know how they calculate the weekly benefit amount? I've heard it's based on your highest quarter of earnings but I'm not sure exactly how the formula works.

Washington ESD uses your highest quarter of earnings from your base year to calculate benefits. Generally it's about 3.85% of your highest quarter earnings, but there are minimum and maximum amounts. For 2025, the maximum weekly benefit is $999 and minimum is $295.

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Thanks! So if my highest quarter was around $15,000, that would put me at about $577 per week?

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That sounds about right. You can also use the benefit calculator on the Washington ESD website to get an exact estimate.

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I've been trying to get through to Washington ESD for weeks to ask about my benefit calculation and can never reach anyone. The phone lines are always busy!

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I had the same problem until I found Claimyr. It's a service that helps you get through to Washington ESD agents - you can check it out at claimyr.com. They have a video demo at https://youtu.be/7DieNd3C7zQ that shows exactly how it works.

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Interesting, I'll have to look into that. I'm getting desperate trying to reach someone about my claim status.

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Does that actually work? I'm skeptical of services that charge to help with government stuff.

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The benefit amount also depends on how long you've been working. You need to have earned at least $3,850 in your base year to qualify, and your total base year earnings need to be at least 1.5 times your highest quarter.

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Good point. I think I meet those requirements since I've been working steadily for 2 years.

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wait what's a base year? im confused about all these terms

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The base year is the first four of the last five completed calendar quarters before you file your claim. So if you file in 2025, it would typically be Q1 2024 through Q4 2024.

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Don't forget you can collect for up to 26 weeks in Washington, but you have to actively search for work and report it weekly. The job search requirements are pretty strict now.

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How many job contacts do you need per week?

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It's 3 job search activities per week, and they have to be documented in your WorkSourceWA account.

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This is so much paperwork just to get benefits you already paid into through payroll taxes.

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I tried using that Claimyr service someone mentioned earlier and it actually worked! Got through to a Washington ESD rep in about 20 minutes instead of calling for hours.

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Really? What did it cost?

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It was worth it just to finally talk to someone. I was able to get my benefit amount confirmed and resolve an issue with my weekly claim.

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That's exactly what it's designed for - cutting through the phone queue nightmare with Washington ESD.

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Make sure you apply as soon as you lose your job. There's a one-week waiting period before benefits start, and you can't backdate claims in most cases.

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Good to know. I'm not unemployed yet but want to understand the process in case it happens.

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Smart to research ahead of time. The Washington ESD website has a lot of info but sometimes it's confusing.

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Your benefit amount stays the same for your entire benefit year, even if you get a part-time job. But if you earn more than your weekly benefit amount minus $5, they'll reduce your benefits dollar for dollar.

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So I could work part-time and still get some unemployment?

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Yes, as long as you report all your earnings on your weekly claim. Washington ESD is pretty strict about that.

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I got in trouble for not reporting some cash work I did. They made me pay back benefits and I got a penalty.

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The maximum benefit of $999 per week sounds like a lot but remember it's only about 50% of the state's average weekly wage. If you made good money, unemployment is definitely a pay cut.

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Yeah, $577 per week would be way less than my current salary but better than nothing.

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At least Washington has some of the higher benefit amounts compared to other states.

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Don't forget about taxes! Unemployment benefits are taxable income. You can choose to have 10% withheld for federal taxes when you file your weekly claims.

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Ugh, I didn't think about taxes. So the benefit amount is before taxes?

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Yep, just like your regular paycheck. I'd recommend having taxes withheld so you don't get hit with a big bill at tax time.

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If you've been laid off due to lack of work, you might qualify immediately. But if you were fired for misconduct or quit without good cause, you'll likely be disqualified.

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What counts as 'good cause' for quitting?

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Things like unsafe working conditions, harassment, significant changes to your job duties or pay, or health issues. But you usually need documentation.

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I quit my job because my boss was toxic but couldn't prove it. Got denied for benefits.

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The Washington ESD benefit calculator is actually pretty accurate. I used it before filing and my actual weekly amount was within $10 of what it estimated.

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That's good to know. I'll definitely use that tool.

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Just make sure you have your wage information handy when you use the calculator.

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Been collecting unemployment for 3 months now and the weekly certification process is pretty straightforward once you get used to it. Just don't miss the deadline or you'll lose that week's benefits.

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When do you have to file the weekly claims?

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You get a specific day of the week based on your Social Security number. Mine is Sunday and I have until the following Saturday to file online.

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I missed one week early on and it was a hassle trying to get it reinstated.

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If you have multiple jobs, Washington ESD looks at earnings from all employers when calculating your benefit amount. So having a second job can actually increase your weekly benefits.

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I did have a part-time job for a few months last year. Good to know that helps.

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Yeah, they use all covered employment in Washington state. Out-of-state work can sometimes be included too if there's an agreement between states.

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One thing that caught me off guard - if you're collecting unemployment and someone offers you suitable work, you have to take it or risk losing benefits. 'Suitable' is pretty broadly defined after the first few weeks.

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What makes a job 'suitable'?

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Initially it has to be similar to your previous work and pay at least 70% of your previous wage. But after several weeks, they lower those standards.

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This is why I hate the unemployment system. You pay into it but they make you jump through so many hoops.

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I used Claimyr again last week when I had questions about my benefit year ending. The rep was able to explain everything about filing a new claim vs. extending my current one. Saved me a lot of confusion.

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I'm definitely going to try that service. I've wasted so much time trying to get through to Washington ESD.

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Same here. The hold times are ridiculous and half the time they just hang up on you.

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Keep in mind that if you exhaust your regular unemployment benefits, there usually aren't extended benefits available like there were during the pandemic. So 26 weeks is typically all you get.

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That's good motivation to find work quickly. 26 weeks goes by fast.

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Exactly. And if you find work before exhausting benefits, any unused weeks don't carry over to a future claim.

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The benefit amount calculation can be confusing, but basically Washington ESD takes your highest earning quarter from your base year, multiplies it by 0.0385, and that's your weekly amount (subject to the min/max limits).

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So for my $15,000 highest quarter, that would be $15,000 x 0.0385 = $577.50 per week?

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Exactly! And since that's between the minimum ($295) and maximum ($999), that would be your weekly benefit amount.

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Thanks for breaking down the math. The Washington ESD website explanations are so confusing.

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Don't forget that if you're still partially employed (reduced hours), you might qualify for partial unemployment benefits. It's not all-or-nothing.

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That's useful to know. I hope I don't need any of this information, but it's good to understand the system.

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Better to know and not need it than need it and not know. Unemployment can happen to anyone these days.

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