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Layla Sanders

How much can I make while on unemployment in Washington without losing benefits?

I just got approved for unemployment benefits and I'm wondering how much I can earn from part-time work without it affecting my weekly claim amount. I've heard different things from people - some say you can make up to a certain amount, others say any income gets deducted. What's the actual rule in Washington? I might have a chance to do some freelance work but don't want to mess up my benefits.

In Washington, you can earn up to your weekly benefit amount minus $5 before they start reducing your unemployment payment. So if your weekly benefit is $400, you can make up to $395 without any reduction. After that, they deduct dollar-for-dollar from your benefits.

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That's really helpful, thank you! So if I made $200 one week and my benefit is $350, I'd still get the full $350?

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Exactly! As long as you stay under that $345 threshold ($350 minus $5), you get your full benefit plus whatever you earned.

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Just make sure you report ALL income when you file your weekly claim. Even if it's cash work or freelance stuff. Washington ESD will find out eventually and you'll have to pay it back with penalties if you don't report it.

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This is so important! I got hit with an overpayment notice because I forgot to report some odd jobs. Had to pay back like $800 plus interest.

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How do they find out about unreported income? Just curious...

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They cross-reference with tax records, and employers report wages to the state. Plus random audits. Not worth the risk honestly.

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I've been doing gig work while collecting and it's been working great. The key is understanding the calculation. Washington uses gross earnings, not net, so don't forget about that when you're figuring out how much you can make.

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Wait, gross earnings? So if I make $300 but pay $50 in expenses, they count the full $300?

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Yep, they count the $300. The expenses don't matter for unemployment calculations, unfortunately.

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If you're having trouble getting through to Washington ESD to ask about this stuff, I found this service called Claimyr that helps you actually reach an agent. They have a website at claimyr.com and there's a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Saved me hours of calling.

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Never heard of that. Does it actually work or is it just another scam?

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It's legit. I was skeptical too but I actually got through to someone at Washington ESD within like 20 minutes instead of calling for days.

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How much does something like that cost though?

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I don't remember the exact amount but it was totally worth it to get my questions answered quickly instead of being on hold forever.

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Also remember you still have to meet the job search requirements even if you're doing part-time work. You need to keep applying for full-time jobs and log your activities in WorkSourceWA.

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Good point! I almost forgot about that requirement. How many job contacts do we need per week again?

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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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One thing to watch out for - if you start working too many hours, even if you're under the earnings limit, they might consider you not 'available for work' which could disqualify you.

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What's considered too many hours? I'm thinking about taking a 20-hour per week job.

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There's no hard rule on hours, but generally if you're working more than 32 hours you might have issues. 20 hours should be fine as long as you're still available for full-time work.

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The key is being able to accept full-time work if it's offered. If your part-time schedule conflicts with that, you could have problems.

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I'm confused about something - do I report the income for the week I earned it or the week I got paid? Like if I worked Monday-Friday but didn't get paid until the following Tuesday?

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You report it for the week you performed the work, not when you got paid. So if you worked Monday-Friday of week 1, you report it on week 1's claim even if you don't get paid until week 2.

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That makes sense, thanks! I was doing it wrong and reporting when I got paid.

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Does anyone know if there are different rules for 1099 contractor work vs regular W-2 part-time employment?

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The income limits are the same regardless of whether it's W-2 or 1099 work. The main difference is you'll owe self-employment taxes on the 1099 income, but that doesn't affect your unemployment calculation.

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Got it, so Washington ESD treats both types of income the same way for benefit calculations?

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Exactly. They just care about the gross amount you earned, not the tax status.

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I tried calling Washington ESD about this exact question last week and was on hold for 3 hours before giving up. The automated system doesn't have clear info about the earnings limits either.

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Same here! I've been trying to get through for days. The phone system is absolutely terrible.

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This is exactly why I used Claimyr. Their service basically calls for you and gets you connected to an actual person at Washington ESD. Way better than sitting on hold all day.

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I might have to try that. This is ridiculous that it's so hard to get basic information.

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Quick question - if I go over the earnings limit one week, do I lose benefits permanently or just for that week?

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Just for that week! If you earn more than your weekly benefit amount, you won't get any unemployment payment for that specific week, but you can still claim the following week as long as you're under the limit again.

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That's a relief. I was worried one bad week would mess up everything.

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For anyone doing freelance work like the OP mentioned - make sure you keep good records of all your earnings and when you did the work. Washington ESD might ask for documentation during an audit.

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What kind of documentation do they typically want?

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Invoices, payment records, timesheets if you have them. Basically anything that shows when you worked and how much you earned.

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I keep a simple spreadsheet with dates, hours worked, and payment amounts. Has worked fine for me.

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Don't forget that your weekly benefit amount can change if you have a lot of part-time earnings over several weeks. They recalculate your benefits periodically.

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Really? I didn't know they recalculated. How often do they do that?

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I think it's quarterly, but I'm not 100% sure. It happened to me once when I was working part-time for a few months.

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They don't typically recalculate your weekly benefit amount unless you have a new base period. Part-time earnings while collecting shouldn't change your benefit calculation.

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The system is so confusing honestly. I wish they made this information clearer on their website instead of having to dig through all these different pages and forms.

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Agreed! The Washington ESD website is a nightmare to navigate. Half the links are broken and the information is scattered everywhere.

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At least we have forums like this where people share real experiences. Way more helpful than the official site sometimes.

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One more thing - if you start a regular part-time job, make sure your employer knows you're collecting unemployment. Some employers get weird about it even though it's totally legal.

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Why would employers care? It doesn't affect them at all.

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Some think you're not committed to the job or that you'll leave as soon as you find something full-time. It's stupid but it happens.

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I just don't mention it unless they specifically ask. None of their business really.

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Thanks everyone for all the detailed info! This thread has been way more helpful than anything I found on the official Washington ESD site. Feeling much more confident about taking on some freelance work now.

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Glad it helped! Just remember to report everything accurately and you should be fine.

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Same here! I'm going to move forward with that freelance opportunity. Really appreciate everyone taking the time to explain everything.

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Just wanted to add something important that I learned the hard way - when you're doing freelance work, make sure you understand the difference between when you do the work vs when you invoice vs when you get paid. Washington ESD wants you to report income for the week you actually performed the work, even if you don't invoice until later or get paid weeks later. I made the mistake of reporting based on when I received payment and it caused some confusion with my claims. Keep detailed records of your work dates!

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This is such a crucial point! I almost made the same mistake when I started doing some contract work. It's confusing because most people naturally think about reporting income when they actually receive the money, but Washington ESD is very clear that it's based on when you performed the work. Thanks for sharing this - it could save people a lot of headaches with overpayment issues later!

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This is exactly what tripped me up when I first started freelancing while on unemployment! I was reporting everything based on when I got paid through PayPal or checks, not realizing it should be when I actually did the work. Had to go back and correct several weeks of claims. Pro tip: I started keeping a simple calendar where I mark down exactly what days I work and how much I earned each day, then I reference that when filing my weekly claims. Makes it so much easier to stay accurate.

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This is so helpful to know! I was about to start some consulting work and would have definitely made this mistake. So if I work on a project Monday through Wednesday but don't send the invoice until Friday and don't get paid until the following Tuesday, I report that income for the week I did the actual work (Monday-Wednesday week), correct? Want to make sure I understand this properly before I start.

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