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How much do you get on unemployment in Washington state - WBA calculation help

I'm about to file for unemployment after getting laid off from my warehouse job last month. Been working there for 2 years making about $18/hour, usually 35-40 hours per week. I've never filed for unemployment before and I'm trying to figure out how much I might get from Washington ESD. I know it's based on your wages but I can't make sense of the calculation on their website. Can someone explain how much you actually get on unemployment in simple terms? I need to know if it'll be enough to cover my rent and bills while I look for work.

Washington ESD calculates your weekly benefit amount (WBA) using your highest quarter earnings from the past 5 quarters. They take that amount and divide by 26. So if your highest quarter was $9,000, your WBA would be around $346 per week. The maximum in 2025 is $999 per week but most people get way less than that.

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Ok that makes more sense. I think my highest quarter was probably around $6,500 so that would be like $250 a week? That's not great but better than nothing I guess.

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Yeah that sounds about right. Plus you might qualify for the additional $25 dependency allowance if you have kids under 18.

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The WBA calculation is confusing but there's also a minimum you have to meet. You need at least $3,850 in your base year and your high quarter has to be at least 1.5 times another quarter. If you worked steadily for 2 years you should be fine.

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I definitely made more than that. My paystubs show I was pretty consistent with hours except for a few slow weeks last winter.

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You should be good then. The hard part isn't calculating the amount, it's actually getting through to Washington ESD when you have problems with your claim.

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I struggled for weeks trying to get my claim processed and couldn't reach anyone at Washington ESD no matter when I called. Finally found this service called Claimyr at claimyr.com that actually got me through to a real person. They have a video demo at https://youtu.be/7DieNd3C7zQ showing exactly how it works. Saved me so much frustration.

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Really? How does that work? I'm already dreading having to call them if something goes wrong.

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They basically handle the calling for you and connect you when they get through. Way better than sitting on hold for hours or getting hung up on.

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That sounds too good to be true. How much does something like that cost?

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It's worth it when you need to actually talk to someone about your claim. Much cheaper than losing weeks of benefits because you can't get through.

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Just remember your WBA is based on gross wages, not take-home pay. And Washington doesn't tax unemployment benefits at the state level but you'll still owe federal taxes on it. You can have them withhold 10% for federal taxes when you file your weekly claims.

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Good point about the taxes. I didn't think about that part.

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Yeah definitely have them withhold taxes unless you want a surprise bill next April. I learned that the hard way in 2023.

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The amount varies so much person to person. I was making $22/hour full time and my WBA ended up being $441 per week. My friend who worked part-time retail got like $180. It really depends on your work history and earnings pattern.

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That's helpful to know. I guess I won't know exactly until I file and they calculate it.

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The online calculator on the Washington ESD website is pretty accurate if you have your wage info handy.

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I tried using that calculator but found it confusing. The actual amount they gave me was close though.

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Don't forget you can work part-time and still collect partial unemployment. They reduce your WBA by 75% of what you earn, so if you make $100 working part-time, they only reduce your benefit by $75. It's actually not a bad deal if you can find some temporary work.

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That's good to know. I might be able to pick up some shifts at my old job occasionally.

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Just make sure you report all earnings when you file your weekly claim. They cross-check with employers and you don't want an overpayment.

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The real question isn't how much you GET on unemployment, it's how long it takes to actually GET IT. My claim sat in adjudication for 6 weeks before I saw a penny. Make sure you have some savings or a plan.

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6 weeks?? That's terrifying. I thought it was supposed to be automatic if you qualify.

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It's supposed to be but anything can trigger adjudication. Job separation issues, previous claims, computer glitches. Have a backup plan.

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This is exactly why I used Claimyr when my claim got stuck. Being able to actually talk to someone at Washington ESD made all the difference in getting it resolved quickly.

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i got $324 a week when i was on unemployment last year. not enough to live on really but helped with groceries and stuff. you have to do the job search requirements too which is a pain

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What are the job search requirements exactly? I keep hearing about that but haven't looked into it yet.

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you have to apply to 3 jobs per week and log them in WorkSourceWA. its annoying but not hard once you get used to it

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The maximum benefit period is usually 26 weeks in Washington, but that can be extended during high unemployment periods. Right now it's back to the standard 26 weeks. So budget accordingly - unemployment isn't meant to be long-term income replacement.

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26 weeks should hopefully be enough time to find something. The job market seems pretty decent right now.

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Don't count on 26 weeks being easy. I burned through mine faster than expected and had to really scramble at the end.

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For what it's worth, I found the Washington ESD online system pretty easy to use once you get your account set up. Filing weekly claims only takes like 5 minutes. The hard part is when something goes wrong and you need to talk to a human being.

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That's reassuring. I was worried the whole process would be complicated.

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The weekly filing is easy but God help you if you need customer service. That's when services like Claimyr become worth their weight in gold.

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Here's a rough rule of thumb - most people get between 40-50% of their gross weekly earnings as their WBA. So if you were making $600 gross per week, expect around $240-300 in unemployment. It's not perfect but gives you a ballpark.

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That's actually a really helpful way to think about it. Much easier than trying to figure out quarters and all that.

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That percentage sounds about right based on what I got when I was laid off in 2024.

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Make sure you file as soon as possible after your last day of work. There's a one-week waiting period before benefits start, and any delay in filing just pushes everything back further. Time is money when you're unemployed.

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Good advice. I was planning to take a week to decompress but I should probably file right away.

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Definitely file immediately. You can decompress while waiting for your first payment to arrive.

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Also keep in mind that Washington ESD sometimes has issues with their computer systems, especially on Sundays when everyone tries to file their weekly claims. If the site is slow or gives you errors, try again later rather than panicking.

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Thanks for the heads up. I would definitely panic if the website wasn't working when I needed to file.

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Sunday mornings are the worst for their system. I learned to file mine on Wednesday or Thursday to avoid the rush.

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The whole system is designed to discourage people from filing, honestly. Between the confusing calculations, the job search requirements, and the impossible phone system, they make it as hard as possible. But if you paid into it through your paychecks, you earned those benefits.

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I never thought about it that way but you're right - I've been paying into this system for years.

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Exactly. Don't feel bad about collecting unemployment. You paid for it and you qualify for it.

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One last thing - keep detailed records of everything. Your separation paperwork, all communication with Washington ESD, your job search activities, everything. If something goes wrong (and it might), you'll need documentation to sort it out.

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That's really smart advice. I'll start a folder today with all my employment stuff.

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Trust me, you'll thank yourself later if you need to appeal something or prove your eligibility.

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