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Mia Roberts

How much can you earn while on Washington ESD unemployment benefits?

I'm currently receiving unemployment benefits from Washington ESD and got offered some part-time work. I want to make sure I don't mess up my claim by earning too much. Does anyone know the exact limits for how much you can earn while still collecting UI? I've heard different numbers and don't want to accidentally create an overpayment situation. My weekly benefit amount is $487 if that matters.

The Boss

The general rule in Washington is you can earn up to your weekly benefit amount minus $5 before it starts reducing your UI payment. So if you get $487/week, you could earn up to $482 before any deduction. But you still need to report ALL earnings when you file your weekly claim.

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That's helpful, thanks! So if I earn exactly $482 I'd still get my full $487 benefit?

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The Boss

Exactly right. Anything over $482 and they start deducting dollar for dollar from your benefit amount.

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Just be super careful about reporting everything correctly. I made the mistake of not reporting some cash work I did and ended up with a $2,100 overpayment notice. The system tracks everything eventually.

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How did they find out about the cash work?

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The employer reported it to the state later when they filed their quarterly taxes. Washington ESD cross-references all wage data.

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I've been dealing with Washington ESD for months and their phone system is impossible. If you need to actually talk to someone about earning limits or have questions about your specific situation, I found this service called Claimyr that helps you get through to an actual agent. They have a website at claimyr.com and there's a demo video at https://youtu.be/7DieNd3C7zQ showing how it works. Finally got answers about my part-time work situation after weeks of trying to call on my own.

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Never heard of this before, does it actually work?

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Yeah it worked for me. Got connected to an agent in about 20 minutes instead of calling for hours and getting hung up on.

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The weekly benefit amount minus $5 rule is correct, but there are some other things to consider. If you work more than full-time hours (40+ hours) in a week, you might not be eligible for any benefits that week regardless of how much you earned. Also make sure you're still able and available for work.

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Good point about the hours. The job is only about 15-20 hours per week so I should be fine there.

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What if you work exactly 40 hours but earn less than your benefit amount?

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That's a gray area. Technically 40 hours could be considered full-time work which might make you ineligible that week. Best to keep it under 40 to be safe.

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ugh this is so confusing!!! why cant they just make it simple. i'm scared to work at all because i dont want to mess anything up and lose my benefits

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The Boss

I understand the anxiety, but working part-time while on UI is totally normal and allowed. Just report everything honestly on your weekly claim.

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ok thanks i guess ill try the part time job then. just really dont want any problems

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Been collecting unemployment for 6 months now and working part-time the whole time. Key things: 1) Report ALL earnings even if it's just $20, 2) Don't work more than 39 hours in a week, 3) Keep records of everything. The system works fine if you're honest about it.

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What kind of records do you keep?

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Pay stubs, timesheets, any documentation showing exactly what I earned and when. Also screenshot my weekly claim submissions.

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Smart idea about the screenshots. I'll start doing that too.

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The Washington ESD website has a calculator tool that shows exactly how much your benefit will be reduced based on earnings. It's buried in their resources section but super helpful for planning.

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Do you have a link to that calculator?

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I don't have the direct link but if you go to esd.wa.gov and search for 'part-time work calculator' it should come up.

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Just want to add that if you're on standby status the rules might be different. Regular UI allows part-time work with the benefit amount minus $5 rule, but standby has its own requirements about being available to return to your regular employer.

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I'm on regular UI not standby, so the standard rules should apply to me.

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What's the difference between regular UI and standby? I might be on standby and not even know it.

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Standby is when your employer expects to call you back to work within a specific timeframe. You'd know if you were on standby because it would show on your claim.

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I had a weird situation where I earned exactly my benefit amount one week and they still paid me the full benefit. Then the next week I earned $10 more and they deducted $15 from my benefit. The math didn't make sense to me.

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That does sound weird. Maybe there was a processing delay or error. Did you contact them about it?

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I tried calling but you know how that goes. Gave up after 3 hours of busy signals.

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This is exactly why I mentioned Claimyr earlier. Sometimes you really need to talk to an actual person to sort out these calculation issues.

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Pro tip: if you're doing gig work like DoorDash or Uber while on unemployment, you still need to report those earnings even though they're 1099 income. Washington ESD considers it all earnings regardless of how you're paid.

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Good to know! I was thinking about doing some delivery work to supplement my benefits.

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Yeah and with gig work you have to estimate your weekly earnings since you might not get paid until the following week. Report it for the week you actually worked.

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The system is set up to encourage part-time work while you're looking for full-time employment. Don't be afraid to take the job as long as you stay under your benefit amount minus $5 and keep looking for full-time work.

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Thanks everyone! This has been really helpful. I feel much more confident about taking the part-time position now.

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Good luck with the new job! Just remember to file your weekly claims on time and report everything honestly.

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One more thing - make sure you understand the difference between gross and net earnings when reporting. You report your gross earnings (before taxes) not your take-home pay.

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Oh wow, I wouldn't have thought of that. Thanks for the clarification!

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Yeah that trips up a lot of people. Always report what you earned before any deductions.

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Been there done that with part-time work on UI. The key is just being honest and documenting everything. Washington ESD actually wants you to work part-time if you can - it shows you're actively trying to get back to full employment.

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Exactly right. It's not like they're trying to catch you doing something wrong as long as you report honestly.

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If anyone else is struggling to get through to Washington ESD about earnings questions or anything else, that Claimyr service mentioned earlier is legit. Used it last week when I had an issue with my weekly claim and got through to an agent who actually knew what they were talking about. Way better than the automated system.

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How much does it cost to use?

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I don't want to get into pricing here but it was worth it for me considering how much time I was wasting trying to call on my own.

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Just make sure you keep job searching while working part-time. You still need to meet the work search requirements even if you're working some hours each week.

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Yes, I'm still doing my three job searches per week as required.

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Good! A lot of people forget about that requirement when they start working part-time.

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I've been in a similar situation and can confirm the weekly benefit amount minus $5 rule is accurate. With your $487 weekly benefit, you can earn up to $482 without any reduction. Just remember that anything over that gets deducted dollar-for-dollar from your benefit. The most important thing is to report ALL earnings honestly on your weekly claim, even if it's just a few dollars. I learned this the hard way when I forgot to report some small cash payments and ended up having to pay it back later. Keep good records of your hours and pay, and you'll be fine!

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