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Keisha Williams

How much do you get from unemployment in Washington - need to know weekly benefit amount

I'm about to file for unemployment with Washington ESD and I'm trying to figure out my budget. How much do you actually get from unemployment benefits? I made about $52,000 last year at my job in tech support. Does anyone know how they calculate the weekly benefit amount? I've heard it's based on your earnings but I can't find clear info on the Washington ESD website about the actual dollar amounts.

Washington ESD calculates your weekly benefit amount using your highest earning quarter from the last 18 months. They take that quarter's earnings, divide by 13, then you get roughly 50% of that amount. So if your highest quarter was $13,000, you'd get around $500 per week. But there's a maximum cap - I think it's around $999 per week for 2025.

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That's helpful! So it's not based on your full year salary then, just your best quarter?

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Exactly. They look at all four quarters in your base period and use whichever one was highest. Makes sense since some people have seasonal work or got raises.

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i think the max is actually $844 per week not $999 but yeah it depends on your earnings. i was making about 45k and got $420 per week when i was on unemployment last year

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You might be right about the max - I should double check that number. The caps change every year based on state wages.

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Either way, sounds like I should get decent benefits if I need to file. Thanks for the real world example!

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Just went through this whole process myself. The calculation is confusing but here's what I learned: Washington ESD takes your two highest quarters from your base period, adds them together, divides by 26, then gives you about 50% of that. BUT there's also a minimum amount - I think it's around $295 per week minimum even if your calculation comes out lower.

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Wait, I'm getting different info now. Someone said highest quarter divided by 13, you're saying two highest quarters divided by 26. Which is it?

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You know what, I might be mixing up the formula. Let me double check my paperwork when I get home. The Washington ESD calculation is definitely confusing.

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I'm pretty sure it's highest quarter divided by 13. That's the standard calculation I've seen everywhere.

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If you're having trouble getting through to Washington ESD to get exact numbers, I used Claimyr to actually talk to someone there. It's a service that helps you get through their phone system - saved me hours of calling. They have a demo video at https://youtu.be/7DieNd3C7zQ and the site is claimyr.com. Really helped me understand my specific benefit amount.

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Interesting, never heard of that service. Did they charge you to make the call?

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Yeah there's a fee but honestly worth it to actually speak to a human at Washington ESD instead of sitting on hold for hours. They connected me pretty quickly.

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that actually sounds useful, washington esd phone system is terrible

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DON'T COUNT ON GETTING THE FULL AMOUNT RIGHT AWAY! I've been waiting 6 weeks for my claim to get approved and I'm getting ZERO dollars while they do their stupid adjudication process. Even if you qualify for $500 per week, you won't see a dime until Washington ESD decides to approve your claim.

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Oh no, what's holding up your claim? I thought unemployment was supposed to be quick to process.

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They're 'investigating' whether I quit or was laid off even though I have the termination letter right here. It's ridiculous.

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That's exactly the kind of situation where Claimyr helped me - I needed to explain my separation reason directly to an agent.

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For 2025, the maximum weekly benefit amount in Washington is $844. The minimum is $295. Your benefit amount depends on wages earned during your base period (first four of the last five completed calendar quarters before you filed). They use your highest quarter earnings, divide by 13, and that's your weekly benefit amount - but it can't exceed the maximum or go below the minimum.

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This is super helpful! So with my $52k salary, my highest quarter was probably around $13,500, so I'd get about $519 per week if I calculate it right.

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That sounds about right! You can also use the benefit calculator on the Washington ESD website to get an estimate.

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where is that calculator? i looked all over their website and couldn't find it

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ok but does anyone know if the amount changes if you have kids or dependents? i have two kids and wondering if that affects the weekly benefit amount at all

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No, Washington state doesn't provide additional benefits for dependents. Your weekly benefit amount is the same regardless of family size.

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that sucks, some states do that

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Yeah I was wondering the same thing since I have a dependent too.

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Been on unemployment twice in the last 5 years and can confirm the amounts mentioned here are accurate. First time I got $445 per week, second time I got $512 because I was making more money. The key thing is you have to work enough hours in your base period to qualify - I think it's something like 680 hours total.

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680 hours over what time period? The whole base period?

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Yeah, during your base period which is the first 4 of the last 5 completed quarters. So basically you need to have worked steady for most of the year.

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I found the benefit calculator! It's buried in the Washington ESD website under 'Estimate Your Benefits' or something like that. But honestly it's easier to just do the math yourself - take your highest earning quarter from the last 18 months, divide by 13, and that's pretty much it.

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Perfect, I'll try to find that calculator. Thanks for letting us know it exists!

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found it! thanks, it estimated $402 per week for me which matches what i actually got

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Just remember you have to pay taxes on unemployment benefits. They don't automatically take taxes out unless you request it, so you might owe money at tax time if you don't plan for it.

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Good point! I forgot unemployment is taxable income. Can you have them withhold taxes automatically?

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Yes, you can request 10% federal tax withholding when you file your weekly claims. I'd recommend it.

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Another thing - the amount you see on your monetary determination isn't always what you'll actually receive. If you have any part-time work while on unemployment, they'll reduce your weekly benefit. I had to call Washington ESD to understand how the earnings deduction worked, which is when I first used Claimyr to get through.

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How much can you earn before they start reducing benefits?

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I think you can earn up to about $200 before they start deducting, but don't quote me on that. Each case is different.

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the earnings deduction thing is confusing. i think they let you keep like 25% of your weekly benefit amount without any reduction, then after that they deduct dollar for dollar from your unemployment

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So if I'm getting $500 per week, I could earn $125 without any reduction to my benefits?

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something like that but honestly the rules are complicated, you should probably call washington esd to get the exact numbers for your situation

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Lol good luck calling Washington ESD. I've been trying to get through for weeks about my benefit amount calculation. Their phone system is absolutely terrible.

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That's exactly why I mentioned Claimyr earlier - it was the only way I could actually reach someone at Washington ESD without spending my whole day on hold.

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Might have to check that out. This is ridiculous that we need a service just to talk to our own state agency.

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Thanks everyone for all the info! Sounds like with my salary I should expect around $500-520 per week if I need to file. Really appreciate the real world examples and the tip about Claimyr for actually reaching someone at Washington ESD.

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You're welcome! Hope you don't need to use this info but good to know ahead of time.

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Yeah better to understand the system before you need it. Washington ESD can be confusing to navigate.

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One more thing - the $844 maximum is for regular unemployment insurance. If you end up needing extended benefits during high unemployment periods, those amounts can be different. But hopefully you won't need to worry about that.

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Didn't even know extended benefits were a thing. How does that work?

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It's triggered when state unemployment rates hit certain levels. Gives you additional weeks of benefits beyond the standard 26 weeks.

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UPDATE: Finally got my adjudication resolved after 7 weeks! Turns out I needed to provide additional documentation about my job separation. Getting $478 per week which matches what everyone calculated here. Wish I had known about that Claimyr service earlier - would have saved me weeks of stress.

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Congrats on getting it resolved! That's a long time to wait for benefits.

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Glad you got through it! The adjudication process is really stressful when you're waiting for income.

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Yeah definitely using Claimyr next time if I have any issues with Washington ESD. Live and learn I guess.

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