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Diego Fisher

How much does Washington ESD pay unemployment benefits in 2025?

I'm getting ready to file for unemployment and trying to figure out my budget. Does anyone know how much Washington ESD pays for unemployment benefits? I was making about $4,200 a month at my last job before they laid me off. I've heard it's based on your wages but I can't find clear info on the Washington ESD website about the exact amounts or calculations.

Washington ESD calculates your weekly benefit amount based on your highest earning quarter from the past year. It's roughly 3.85% of your total wages in that quarter, but there's a minimum of $295 per week and maximum of $999 per week for 2025.

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Thanks! So if I made $12,600 in my highest quarter, that would be around $485 per week? That's way less than I was expecting.

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Yeah that sounds about right. The formula is designed to replace about 50% of your average weekly wage, but it has those caps I mentioned.

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Don't forget you can collect for up to 26 weeks in Washington, so that $485 x 26 weeks = $12,610 total if you need the full duration. Plus you might qualify for the additional $25 per week if you have dependents.

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I do have two kids under 18, so that would help. Is that automatic or do I need to request it?

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You need to report your dependents when you file your initial claim. They'll ask about it in the application.

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Just a heads up - when I applied it took forever to get through to Washington ESD to check on my claim status. If you run into issues calling them, I found this service called Claimyr that helps you get through their phone system. They have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Interesting, I'll keep that in mind if I have trouble reaching them. How much did it cost you?

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I'd rather not get into pricing details here, but check out claimyr.com - it was worth it for me when I couldn't get through on my own.

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The amount also depends on how many hours you worked in your base period. If you didn't work enough hours, your weekly benefit could be lower than the calculation suggests.

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I worked full-time for the past 18 months, so I think I should be good on the hours requirement.

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Yeah you should be fine then. The base period is usually the first four of the last five completed quarters before you file.

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washington esd website has a benefit calculator but its kinda hard to find. i think its under the tools section somewhere

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I tried looking for that but couldn't find it. Maybe they moved it or took it down?

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I don't think Washington ESD has had a benefit calculator for a while. Most people just use the rough formula I mentioned earlier.

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One thing to keep in mind is that unemployment benefits are taxable income. You can choose to have taxes withheld from your weekly payments or pay them when you file your tax return.

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Oh right, I forgot about that. Probably better to have them withhold it so I don't get hit with a big tax bill later.

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Exactly. I think they withhold 10% for federal taxes if you elect that option when you file your claim.

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The system is so broken though. I was making $6000 a month and only getting $800 a week on unemployment. Barely covers my mortgage let alone everything else.

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Unfortunately the maximum weekly benefit hasn't kept up with high-paying jobs. It's designed more for average wage earners.

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Yeah I get that but when you're paying Seattle rent prices, $800 a week doesn't go very far.

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Quick question - do you have to pay back unemployment if you get a job before your benefits run out?

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No, you don't have to pay it back. You just stop filing weekly claims once you're working again.

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Good to know, thanks!

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Make sure you file ASAP after you lose your job. There's a one-week waiting period before benefits start, and they don't backdate to when you became unemployed.

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I was laid off last Friday, so I should file this week then?

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Yes, file as soon as possible. The sooner you file, the sooner that waiting week starts.

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Also remember you have to actively look for work and report your job search activities every week. Washington ESD requires at least 3 job contacts per week.

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What counts as a job contact? Just applying online or do I need to do more?

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Applying online counts, but you can also do networking events, job fairs, informational interviews, etc. Keep detailed records of everything.

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The job search requirement is such a pain. I spent more time documenting my job search than actually looking for work.

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I know it seems annoying but they do audit people sometimes. Better to be thorough than risk losing your benefits.

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True, I just wish they made the process easier.

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If you worked for a big company, check if they offer any severance pay. That might affect when your unemployment benefits start.

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I got two weeks severance pay. Does that mean I can't file for unemployment right away?

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You should still file right away, but report the severance pay. Washington ESD will determine how it affects your benefits.

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Speaking of filing, if you have any issues with your claim getting stuck in adjudication or need to talk to someone at Washington ESD, that Claimyr service I mentioned earlier really helped me. Saved me hours of trying to call on my own.

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

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They help you get through the phone system faster. Check out their site at claimyr.com if you're curious.

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The weekly claims are pretty straightforward once you get used to them. You just answer the same questions every week about whether you worked, looked for work, etc.

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How long does it typically take to complete the weekly claim?

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Maybe 5-10 minutes if you have all your job search info ready. The system is pretty user-friendly.

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Don't forget to set up direct deposit when you file. Getting paper checks takes forever and they can get lost in the mail.

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Good tip! I definitely want to get paid as quickly as possible.

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Yeah, direct deposit usually processes within 2-3 business days after you file your weekly claim.

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One more thing - if you're planning to go back to school while on unemployment, check the rules first. Some training programs are approved but others might affect your benefits.

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I wasn't planning on school but that's good to know for the future.

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Yeah just keep it in mind. Washington ESD has specific rules about education and training while collecting benefits.

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The whole process seems overwhelming but once you get started it's pretty routine. Just make sure you keep good records of everything.

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Thanks everyone for all the helpful info. I feel much more prepared to file my claim now.

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Good luck with your claim! Feel free to ask if you run into any issues.

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I had to use Claimyr twice when my claim got stuck in adjudication. Worth every penny to actually talk to someone at Washington ESD instead of waiting on hold for hours.

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How long were you stuck in adjudication before using them?

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About 3 weeks the first time, 2 weeks the second time. Both times I got answers within a day of using their service.

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Just remember that Washington ESD processes claims Monday through Friday, so if you file your weekly claim on a weekend, it won't be processed until Monday.

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Good to know. I'll make sure to file early in the week.

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Yeah, and if there's a state holiday, that can delay processing too.

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The amounts they pay really haven't kept up with inflation. I collected unemployment in 2019 and the max was $790 per week, now it's $999 but everything costs way more.

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At least they increased it some. Better than nothing I guess.

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True, but it's still not enough to maintain your standard of living for most people.

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