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Ezra Beard

How much do I get for Washington ESD unemployment benefits - weekly amount question

I just got laid off from my job at a manufacturing plant where I was making $22/hour for about 35 hours a week. I'm trying to figure out how much my weekly unemployment benefit will be through Washington ESD. I've never filed for unemployment before and I'm really confused about how they calculate the amount. Does anyone know the formula they use? I need to budget for rent and bills while I'm looking for work.

Washington ESD uses your highest earning quarter from the past year to calculate your weekly benefit amount. They take that quarter's earnings, divide by 13, then you get about 50% of that as your weekly benefit. There's also a minimum and maximum amount they'll pay.

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Thanks! So if I made around $3,000 in my best quarter, I'd get about $115 per week?

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That sounds about right, but you should double check your actual earnings on your W2 or pay stubs to be sure.

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i think the max weekly benefit in washington is like $999 right now but most people dont get that much unless they were making really good money

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Yeah the maximum is high but the average person gets maybe $300-400 per week from what I've seen.

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Okay that makes sense. I wasn't making huge money so I probably won't get the max.

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The exact calculation is: they look at your base year (first 4 of the last 5 completed quarters), find your highest quarter, divide by 13, then multiply by 0.0385 times your total base year wages. But there's also a simpler way - it's roughly 50% of your average weekly wage up to the maximum. You can use the Washington ESD benefit calculator on their website to get an estimate.

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Wow that formula sounds complicated! I'll try the online calculator instead.

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The online calculator is definitely easier than trying to do that math yourself lol

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When I was trying to figure out my benefit amount last year, I kept getting different numbers and couldn't reach anyone at Washington ESD to clarify. I ended up using claimyr.com which helped me actually get through to a real person who explained exactly how my amount was calculated. They have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works. Made the whole process way less stressful.

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That's interesting, I've never heard of that service. Did they charge you to help get through?

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It was worth it to actually talk to someone who could give me exact numbers instead of guessing. Way better than sitting on hold for hours.

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I might need to check that out too, the Washington ESD phone lines are impossible to get through on.

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Just remember your benefit amount also depends on if you have any dependents. You can get extra money for dependent children.

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I don't have kids so I guess that doesn't apply to me.

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Yeah then it's just the base calculation. The dependent allowance is like $25 per child or something.

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ugh the whole system is so confusing why cant they just tell you upfront what youll get instead of making you do math and guess

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I agree it could be more transparent. The benefit amount isn't finalized until after you file your initial claim and they verify all your wage information anyway.

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Yeah I'm hoping once I file the claim they'll give me the exact amount pretty quickly.

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Make sure you understand that whatever amount you get, you'll have to pay taxes on it. They can withhold 10% for federal taxes if you want, but you have to request it.

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Oh I didn't think about taxes! Should I have them withhold or just pay at tax time?

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Depends on your situation, but I usually have them withhold so I don't get hit with a big tax bill later.

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Definitely withhold if you can afford the slight reduction. Unemployment is fully taxable income.

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I was in a similar situation last year and my weekly benefit ended up being about 45% of what I was making per week at work. It's definitely not enough to maintain your same lifestyle but it helps cover basic expenses.

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Yeah I'm not expecting to live the same way, just need enough to keep the lights on while I job hunt.

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That's the right attitude. Treat it as temporary assistance while you actively look for work.

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Don't forget you have to meet the job search requirements to keep getting benefits. I think it's 3 job search activities per week now.

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What counts as a job search activity?

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Applying for jobs, attending job fairs, networking events, career counseling sessions. They're pretty flexible but you have to document everything.

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And you can do some of those activities through WorkSource too which helps meet the requirement.

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The amount also depends on how long you worked. You need enough work history in your base year to qualify, and that affects both if you get benefits and how much.

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I worked at my last job for about 8 months, and had another job before that. Should be enough work history I think.

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Yeah that should be fine as long as you were making decent wages during that time.

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When I applied, I thought I'd get more but they explained that the benefit is designed to partially replace your income, not fully replace it. It's meant to be temporary assistance while you find new work.

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Makes sense. I'm planning to apply for jobs right away anyway.

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That's good. The sooner you find work, the better off you'll be financially.

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if you need help figuring out the exact amount or have questions about your claim, that claimyr thing someone mentioned earlier actually worked for me too. i was getting frustrated trying to reach washington esd and they helped me get through to actually talk to someone

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I might try that if I run into issues. The phone system sounds pretty awful from what everyone says.

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yeah its really bad during busy times. having a way to actually reach someone was a lifesaver

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Just file your claim as soon as possible. There's a waiting week before you can start collecting, and you want to get that started right away. The benefit amount will be calculated automatically once they process your claim.

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Good point, I'll file tomorrow. Is there anything I need to gather first?

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Have your Social Security number, employment history for the last 18 months including employer addresses, and your bank info for direct deposit.

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Also helpful to have your separation paperwork from your employer if you have it.

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The weekly amount varies a lot person to person. I know someone who gets $150/week and another who gets $600/week. Really depends on your work history and earnings.

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Yeah I'm expecting somewhere in the middle based on what I was making.

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That's probably realistic. Most people aren't at either extreme.

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One thing to remember is that your benefit year lasts 52 weeks from when you file, but you can only collect up to 26 weeks of benefits during that year (unless there are extended benefits available).

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So I need to find work within 6 months basically?

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That's the goal, yes. 26 weeks gives you time to find something good rather than just taking the first thing available.

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I tried using that claimyr service too when I couldn't get through to Washington ESD about my benefit calculation. Worked great and the person I talked to was really knowledgeable about how the amounts are determined.

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Good to hear another positive review. I'll keep it in mind if I need help.

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Yeah it's nice to have options when the regular phone lines don't work.

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Bottom line is file your claim ASAP and they'll tell you exactly what your weekly benefit amount is. All this estimating is just to give you a rough idea for planning purposes.

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You're right, I should stop overthinking it and just file the claim. Thanks everyone for all the help!

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No problem! Good luck with your job search.

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