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Chloe Harris

How much can you collect from Washington ESD unemployment benefits?

I'm trying to figure out what my weekly benefit amount might be if I file for unemployment. I've been working full-time making about $52,000 a year for the past two years. Does anyone know how Washington ESD calculates the weekly benefit amounts? I've heard it's based on your earnings but I can't find clear info on their website about the exact formula or maximum amounts for 2025.

Washington ESD uses your highest earning quarter from your base period to calculate benefits. For 2025, the maximum weekly benefit is $999 and you can collect for up to 26 weeks typically. Your benefit amount is roughly 3.85% of your highest quarter earnings divided by 13 weeks.

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Thanks! So if I made around $13,000 in my highest quarter, that would put me at about $385 per week?

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That sounds about right. The formula is (highest quarter earnings x 0.0385) but there are minimums and maximums that apply.

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i think the minimum is like $201 per week and max is $999 but dont quote me on that. you should be able to get an estimate on the washington esd website before you file

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I tried their calculator but it wasn't working when I checked yesterday. Maybe I'll try again later.

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Getting through to Washington ESD to ask questions about benefit amounts is nearly impossible with their phone system. I spent hours trying to reach someone last month just to verify my calculation. If you really need to talk to an agent about your specific situation, I discovered this service called Claimyr at claimyr.com that actually gets you through to ESD agents. They have a demo video at https://youtu.be/7DieNd3C7zQ showing how it works. Saved me so much frustration.

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How does that work exactly? Do they just call for you?

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They handle the calling and waiting process, then connect you when an agent is available. Way better than sitting on hold for hours.

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The benefit calculation also depends on having sufficient earnings in your base period. You need at least $3,400 in total base period earnings and earnings in at least two quarters. If you don't qualify under the regular base period, they'll check your alternate base period which includes more recent quarters.

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Good to know about the alternate base period. I should definitely qualify with two years of steady work though.

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What if you had a gap in employment? Does that affect the base period calculation?

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Employment gaps don't directly affect the calculation, but they might mean your alternate base period gives you a higher benefit if your recent earnings were higher.

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Washington's benefits are actually pretty decent compared to other states. The $999 max is higher than a lot of places. Just remember you'll pay taxes on unemployment benefits so factor that in when budgeting.

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Oh right, I forgot about the tax implications. Do they withhold automatically or do you have to request it?

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You can choose to have 10% withheld for federal taxes when you file your weekly claims. I'd recommend it to avoid a big tax bill later.

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Does anyone know if overtime pay counts toward the earnings calculation? I worked a lot of OT last year and wondering if that helps boost my benefit amount.

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Yes, all wages including overtime count toward your base period earnings for benefit calculation purposes.

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That's great news! Should definitely help my weekly amount then.

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The 26 weeks is just the standard duration right? I thought I heard something about extended benefits being available sometimes?

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Extended benefits can trigger during high unemployment periods, but they're not available right now in Washington. The standard is 26 weeks maximum.

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yeah those extended programs ended after covid. its back to the regular 26 weeks max

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Thanks everyone for all the info! Sounds like I should be able to get a decent weekly amount if I need to file. Hoping I won't have to but good to know what to expect.

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Hope you don't need it either, but it's smart to know your options. The key is filing quickly if you do lose your job since there's usually a one-week waiting period.

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One thing to keep in mind is that if you have any severance pay or vacation payout, that might affect when your benefits start. Washington ESD has rules about how those payments impact your claim.

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I think my company pays out accrued vacation time. Would that delay my benefits significantly?

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It depends on how much and how it's allocated. Best to report it accurately when you file and let ESD determine the impact.

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The benefit amount calculation can be confusing but Washington ESD is pretty good about explaining it in your determination letter once you file. That letter breaks down exactly how they calculated your weekly benefit amount.

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Good to know the determination letter has all the details. At least I'll understand where the numbers come from.

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Yes, and if you disagree with their calculation you have appeal rights, though that's rarely necessary if your wages were reported correctly.

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Just remember you have to actively look for work and document your job search activities to keep receiving benefits. The weekly claim process requires reporting your job search efforts.

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How many job contacts do you need per week in Washington?

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It's typically 3 job search activities per week, but the specific requirements depend on your individual case and any waivers that might apply.

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If you're in a union, definitely check if they have any supplemental unemployment benefits. Some unions have funds that can add to your state benefits.

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Not in a union but that's good info for others who might be reading this.

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Another thing about reaching Washington ESD - their online system is actually pretty good for checking benefit amounts and filing weekly claims. It's just the phone system that's a nightmare. Though like I mentioned, Claimyr really saved me when I needed to speak with someone directly about my specific situation.

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I was skeptical about using a service like that but honestly after trying to call ESD myself for weeks, I get why people use it. The phone system is brutal.

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Exactly. Sometimes you just need to talk to a real person about your claim and their regular phone system makes that nearly impossible.

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The earnings requirements can trip people up. You need earnings in at least 2 quarters of your base period AND your total base period earnings need to be at least 1.5 times your highest quarter. Most people meet this but it's worth checking.

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With steady full-time work I should definitely meet those requirements. Thanks for pointing that out though.

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Don't forget that if you do file for unemployment and find part-time work, you can still collect partial benefits in Washington. They have a formula for calculating reduced benefits when you have part-time earnings.

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That's really helpful to know. Better than some states where any work disqualifies you completely.

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Right, Washington is pretty reasonable about partial benefits. You just report your weekly earnings and they adjust your benefit amount accordingly.

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Make sure your employer has been reporting your wages correctly to ESD. If there are discrepancies it can affect your benefit calculation and cause delays in processing your claim.

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How would I check that before filing?

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You can request a wage and benefit inquiry from ESD to see what wages they have on file for you. Better to check beforehand than deal with corrections later.

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The weekly benefit amount seems decent but remember it's only temporary. The goal is to get back to work as soon as possible. Use the time wisely for job searching and skill building.

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Absolutely. Unemployment benefits are meant to be a bridge, not a long-term solution.

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Washington also has some training programs that can extend your benefits if you're enrolled in approved retraining. Worth looking into if you're considering changing careers.

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The Training Benefits program can be really valuable if you qualify. Lets you focus on education instead of job search requirements.

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Mei Liu

One last thing - file immediately when you become unemployed. There's a one-week waiting period and benefits are only paid from the date you file, not from when you lost your job.

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Thanks for that reminder. I'll definitely file right away if I need to.

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Yes, timing is important. Don't wait thinking you might find something quickly - you can always stop claiming if you find work immediately.

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This has been a really helpful thread! Lots of good information about Washington ESD benefits. Hope OP doesn't need to use any of this knowledge but at least now we're all better informed.

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Agreed! Thanks to everyone who contributed. Feel much more prepared now if the situation arises.

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