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Anastasia Kuznetsov

How much do you get paid for unemployment benefits in Washington state?

I'm thinking about filing for unemployment but I have no idea what to expect for payment amounts. I've been working full-time making about $52,000 a year for the past 3 years. Does anyone know how Washington ESD calculates the weekly benefit amount? I tried looking on their website but it's confusing with all the base period stuff. Just want to know roughly what I might qualify for before I go through the whole application process.

Washington ESD uses your highest earning quarter from your base period to calculate benefits. Generally you'll get around 60-65% of your average weekly wages, but there's a maximum weekly benefit amount that changes each year. For 2025 I think the max is around $999 per week.

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That's higher than I expected! So they look at my best quarter, not my average over the whole year?

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Exactly. They take your highest quarter earnings, divide by 13 weeks, then multiply by about 0.63 to get your weekly benefit rate.

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i think its more like 50% of your wages not 60-65%. been on unemployment twice and never got that much

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The percentage varies based on your income level. Lower earners get a higher replacement rate, higher earners get closer to 50%.

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oh ok that makes sense then. i was making pretty good money so that explains it

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Just a heads up - actually getting through to Washington ESD to check your benefit amount can be a nightmare. I spent weeks trying to call them about my claim calculation. Finally used this service called Claimyr (claimyr.com) that gets you through to an actual agent. They have a video demo at https://youtu.be/7DieNd3C7zQ showing how it works. Saved me so much frustration.

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Really? How does that work exactly? Do they just call for you or something?

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Yeah basically they handle the calling and waiting, then connect you when they get an agent on the line. Way better than sitting on hold for hours.

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

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Your benefit amount depends on your base period wages. Washington ESD looks at the first 4 of the last 5 completed calendar quarters before you file. So if you file in January 2025, they'd look at October 2023 through September 2024. The formula is complicated but generally ranges from $295 minimum to $999 maximum per week for 2025.

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This is really helpful! So with my salary I'd probably be somewhere in the middle range?

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At $52k annually, you'd likely qualify for somewhere between $650-750 per week, depending on how your earnings were distributed across quarters.

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Don't forget you can also get the additional $25 per week if you have dependents!

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UGH the Washington ESD website is THE WORST for figuring this stuff out! Why can't they just have a simple calculator like other states?? I've been trying to estimate my benefits for days and keep getting different numbers.

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I feel you! The whole system is designed to confuse people I swear.

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There actually is a benefit calculator on the Washington ESD website, it's just buried pretty deep in the site. Look under 'Unemployment Benefits' then 'Benefit Information'.

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I tried that calculator and it gave me like 3 different answers when I put in the same info!

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Been collecting UI for 8 weeks now. Making $42k before I got laid off and my weekly benefit is $587. Not bad but definitely takes some adjusting to live on less. Make sure you understand the job search requirements too - you need to do 3 job search activities per week.

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Good to know about the job search requirements. Is that hard to meet?

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Not really. You can count things like updating your resume, networking, applying for jobs, etc. Just keep good records in case they audit you.

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The maximum benefit in Washington is actually tied to the state average weekly wage. For 2025 it's $999/week but it goes up slightly each year. You also get benefits for up to 26 weeks normally, though that can be extended during recessions.

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26 weeks should hopefully be enough time to find something new. That's about 6 months right?

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Exactly. And if you find part-time work, you can sometimes still collect partial benefits depending on how much you earn.

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Just remember you have to pay taxes on unemployment benefits! A lot of people forget that and get hit with a big tax bill. You can have them withhold 10% federal tax automatically.

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Oh wow I didn't think about taxes. So it's not like getting your full paycheck then?

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Nope, unemployment is taxable income just like wages. Definitely set up the withholding or save some money for tax time.

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Washington doesn't have state income tax though, so at least you don't have to worry about that part.

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I'm in a similar situation - was making $48k and wondering about filing. Has anyone had issues with their employer contesting the claim? Mine said they might fight it since they say I was fired for cause.

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If they contest it, Washington ESD will do an investigation. You'll get a chance to tell your side of the story. Don't let that scare you from filing if you think you have a valid claim.

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Thanks, I was worried about that. I'll go ahead and file and let Washington ESD sort it out.

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Pro tip: when you do file, make sure all your employer information is exactly right. I had to wait an extra 3 weeks because I put down the wrong address for one of my previous employers and it delayed the whole process.

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Good advice! I'll double check everything before submitting.

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Also make sure you have your Social Security card handy - you'll need it for the application.

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Does anyone know if the benefit amount changes if you move to Washington from another state? I just relocated here for a job that fell through.

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You'd typically file in the state where you worked, not where you currently live. So if you worked in another state, you'd file there first.

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That makes sense. I'll check with my previous state then.

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The whole process is honestly not that bad once you get started. I was putting it off for weeks thinking it would be complicated but the online application only took like 30 minutes. Getting through on the phone if you have questions is the real pain.

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That's reassuring! I've been overthinking it.

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Same here. I kept putting it off but wish I'd filed sooner. You can't get benefits for weeks before you actually file.

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Another thing to remember - you have to file your weekly claims every week to keep getting paid. Miss a week and you won't get benefits for that week. Set up a reminder on your phone or something.

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What day of the week do you file the weekly claims?

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You can file starting Sunday for the previous week. I always do mine Sunday morning so I don't forget.

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If you're still having trouble reaching Washington ESD about benefit calculations, I had success with that Claimyr service someone mentioned earlier. Took about 20 minutes and I was talking to an actual person instead of getting hung up on. Worth it when you need answers quickly.

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I might try that if I run into issues. Better than spending all day trying to call.

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I was skeptical about services like that but honestly Washington ESD's phone system is so broken that anything that works is worth trying.

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One more thing - if you think your benefit amount is calculated wrong, you can appeal it. I did that when they miscalculated my wages and got an extra $75 per week after the appeal went through.

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How long did the appeal process take?

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About 4 weeks total. They sent me a form to fill out and then reviewed my employment records again.

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Just want to add - make sure you understand what counts as 'able and available' for work. You have to be genuinely looking and available to accept suitable work or they can stop your benefits.

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What if you're being picky about jobs? Like not wanting to take a big pay cut?

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You can be somewhat selective at first, but after a certain number of weeks you're expected to expand your search to lower-paying positions too.

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Been on unemployment 3 different times over the years. The benefit amount is decent but the real value is the time it gives you to find a good job instead of having to take the first thing that comes along. Don't rush into a bad situation just because you're worried about money.

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That's a good perspective. I was worried about the stigma but you're right, it's better to find the right fit.

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Absolutely. I rushed into a terrible job once because I was panicking about money and ended up miserable and back on unemployment 6 months later anyway.

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Just filed my claim last week and already got my first payment! The process was smoother than expected. My weekly benefit came out to $623 which is pretty close to what the online calculator estimated.

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That's great! How long from filing to getting the first payment?

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About 10 days total. Would have been faster but I had one issue with verifying my identity that added a couple days.

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For anyone still confused about the calculation, Washington ESD basically takes your best quarter from the base period, divides by 13, then multiplies by 0.63 (for most people). There are some variations but that's the basic formula. Much simpler than some states that average all your quarters.

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Thanks! That formula makes it a lot clearer. I think I can estimate pretty accurately now.

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Yeah Washington's system is actually pretty straightforward once you understand the base period concept.

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Don't forget that if you worked multiple jobs, Washington ESD will combine wages from all employers in your base period. So if you had a part-time job along with your main job, those wages count too.

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Good point! I did some freelance work last year so that should help my benefit amount.

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Just make sure you report all that income accurately when you file. They'll verify it with employers anyway.

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