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Amina Sy

How much do you earn on unemployment in Washington - confused about benefit amounts

I'm trying to figure out how much I'll actually get from Washington ESD unemployment benefits. I made $52,000 last year working retail management but got laid off two weeks ago. When I filed my claim, they said my weekly benefit amount would be calculated but I have no idea what to expect. Is there a formula they use? I've heard people say different things about percentages and maximums. Really stressed about whether this will cover my rent and bills while I'm job searching.

Washington ESD calculates your weekly benefit amount (WBA) based on your highest earning quarter from your base period. It's roughly 3.85% of your total base period wages, but there's also a weekly maximum. For 2025, the max weekly benefit is around $999. If you made $52k, you're probably looking at somewhere between $400-600 per week depending on how your earnings were distributed across quarters.

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That's actually higher than I expected! Do you know if that amount includes the extra federal money or is that just the state portion?

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That's just the regular state UI benefits. There aren't any federal supplements right now like there were during COVID.

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The formula is confusing but basically they take your two highest quarters from your base period and use that. I was making about the same as you and ended up with $487 per week. But it took forever to get through to Washington ESD to actually find out my exact amount.

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How long did it take you to get through to them? I've been trying to call but keep getting busy signals.

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I had the same problem with calling Washington ESD. Ended up using this service called Claimyr that calls for you and gets you through to an actual agent. Check out claimyr.com - they have a video demo at https://youtu.be/7DieNd3C7zQ that explains how it works. Way better than sitting on hold for hours.

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Never heard of that but sounds useful. Is it legit?

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your benefit amount depends on your work history but also remember you have to be actively looking for work and reporting it every week. the job search requirements are no joke - you need 3 job contacts per week minimum and they can audit your job search log anytime

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Good point about the job search requirements. I registered with WorkSource already but wasn't sure about the contact requirements.

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Actually it's 3 job search activities per week, not just contacts. Can include things like attending job fairs, networking events, or online training too.

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Don't get your hopes up too high. I made $48k and only get $410 per week because of how my hours were distributed. Plus they tax it now so you don't even get the full amount. And if you work ANY hours during a week, they reduce your benefits dollar for dollar after the first $5.

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Wait, they tax unemployment benefits? I didn't know that.

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Yes, unemployment is taxable income. You can choose to have taxes withheld or pay them later when you file your return.

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I always have them withhold 10% for taxes. Better than getting hit with a big bill later.

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The Washington ESD benefit calculator on their website gives you a rough estimate but it's not always accurate. Your actual amount won't be determined until they process your monetary determination. That usually takes 1-2 weeks after you file your initial claim.

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I'll check out the calculator. Hopefully it gives me a ballpark figure at least.

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The calculator is pretty close but remember it's just an estimate. Your actual monetary determination might be different if there are issues with your wage records.

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ugh the whole system is so confusing. I've been unemployed for a month and still don't fully understand how they calculate everything. why can't they just make it simple??

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I know it's frustrating but once you understand the basics it gets easier. The key things are your base period wages and making sure you file your weekly claims on time.

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yeah I guess. just wish there was better info available without having to call and wait forever

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For anyone struggling to get through to Washington ESD by phone, I mentioned Claimyr earlier but wanted to add that they're really helpful for getting specific questions answered about your benefit amount. I used them when my monetary determination seemed wrong and the agent was able to explain exactly how they calculated my WBA.

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That's exactly what I need - someone to explain the calculation. I'll definitely check them out.

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How much does something like that cost though? Money's tight when you're unemployed.

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It's worth it when you consider how much time you save not calling repeatedly. Plus if there's an error in your calculation, fixing it could mean hundreds more per week.

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Just remember that your unemployment benefits are based on W-2 wages only. If you had any 1099 income or side gigs, those don't count toward your base period wages for calculating your WBA.

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Good to know. All my income was W-2 from my retail job so that shouldn't be an issue.

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Yeah, gig work and contract work don't count unless you paid into the system separately, which most people don't do.

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The maximum benefit duration is also important to know. In Washington you can get up to 26 weeks of regular unemployment benefits, but that's only if you have enough base period wages. Some people with lower earnings might get fewer weeks.

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With my salary I should qualify for the full 26 weeks right?

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Most likely yes, but it depends on your total base period wages. Generally if you worked full-time for the past year you'll get the full duration.

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Don't forget about the waiting week either. In Washington there's a one-week waiting period before you can start collecting benefits, even if your claim is approved right away.

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So even if everything goes smoothly, I won't get paid for the first week I file?

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Exactly. You still have to file that first week but you won't get paid for it. It's like a deductible.

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That's so frustrating when you're already struggling financially. Why do they do that?

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Pro tip: make sure your employer reports your wages correctly to Washington ESD. I had an issue where my employer didn't report my last quarter of wages and it lowered my benefit amount significantly. Had to get that fixed before my monetary determination was finalized.

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How do you check if your wages were reported correctly?

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You can see your wage records in your Washington ESD account online. Compare them to your pay stubs to make sure everything matches up.

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This is another situation where Claimyr can help - if you find discrepancies in your wage records, they can help you get through to an agent to dispute them.

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Also keep in mind that if you have any other income while collecting unemployment - like pension payments or severance - that might affect your weekly benefit amount. Washington ESD has rules about what counts as deductible income.

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I didn't get any severance unfortunately, but good to know for future reference.

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Yeah even vacation payout can sometimes affect your benefits depending on when you receive it.

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The bottom line is your weekly benefit amount will probably be around 60-65% of what you were making per week, up to the maximum. So if you were making $1000/week, you might get $600-650 in unemployment benefits.

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That formula makes sense. I was making about $1000/week so $600-650 would actually cover most of my essential expenses.

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Just remember it's temporary though. Use the time to really focus on your job search and don't get too comfortable with the payments.

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One more thing - make sure you understand the difference between your gross benefit amount and what you'll actually receive. After taxes and any other deductions, your actual deposit will be less than your stated WBA.

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Yeah someone mentioned the tax issue earlier. I'll probably have them withhold taxes to avoid problems later.

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Smart choice. I didn't withhold taxes my first time on unemployment and owed a bunch when I filed my return.

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Just wanted to follow up since several people asked about Claimyr - I used them again yesterday to get clarification on my job search requirements and it was super quick. The agent explained exactly what activities count and how to document them properly. Really takes the stress out of dealing with Washington ESD.

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That's exactly the kind of help I need. Going to try them next time I have questions instead of dealing with the phone runaround.

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Wish I had known about this service when I was dealing with my adjudication issues last year. Would have saved me weeks of stress.

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Thanks everyone for all the detailed info! This is really helpful. I'm feeling much more confident about what to expect now. It sounds like with my $52k salary I should be looking at somewhere in the $400-600 range per week, which would definitely help cover my basic expenses while job hunting. I'm going to check out that benefit calculator on the Washington ESD website and also look into Claimyr if I run into issues getting through to them by phone. Really appreciate this community having so much practical advice!

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