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Isabella Tucker

How much does unemployment pay in Washington State - need to know benefit amounts

I'm trying to figure out how much Washington ESD unemployment benefits actually pay before I file my claim. I've been working as a restaurant manager for the past 2 years making about $52,000 annually, but my hours got cut to basically nothing and I need to know if unemployment will cover my basic expenses. I've looked at the Washington ESD website but the benefit calculator seems confusing. Can anyone explain how they calculate the weekly benefit amount and what the maximum is? Also wondering if there are any deductions I should know about.

Washington unemployment benefits are calculated based on your highest earning quarter from the past 5 quarters. The weekly benefit amount is roughly 3.85% of your highest quarter earnings, with a maximum of $999 per week as of 2025. So if you made $13,000 in your best quarter, you'd get around $500 weekly. There's also a minimum of $295 per week.

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That's helpful! So it's based on quarterly earnings, not annual salary. I think my highest quarter was probably around $14,500, so that would put me at about $558 weekly if I'm doing the math right.

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Don't forget they take out federal taxes if you elect to have them withheld. It's 10% of your weekly benefit amount.

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Good point about taxes. I'd rather have them taken out than owe a bunch at tax time.

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The benefit calculation can be tricky because Washington ESD looks at your base year earnings differently than most people expect. Your base year is typically the first 4 of the last 5 completed calendar quarters before you file. So if you're filing now in 2025, they'd look at Q1 2024 through Q4 2024 in most cases.

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This is why timing matters when you file! I waited an extra week to file and it moved me into a different base year period that actually worked out better for my benefit amount.

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Interesting, so the exact timing of when I file could affect my benefit calculation? I hadn't thought about that.

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I've been trying to get through to Washington ESD for weeks to ask about my benefit calculation because the online estimate doesn't match what I'm actually receiving. Their phone system is impossible - I've called hundreds of times and either get busy signals or disconnected after waiting on hold for hours. It's so frustrating when you need answers about your benefits.

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I had the same problem getting through to Washington ESD until I found this service called Claimyr at claimyr.com. They basically call for you and get you connected to an actual agent. I was skeptical at first but it worked - got through to someone within a few hours instead of spending days trying myself. There's a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Have you tried calling right at 8am when they open? That's usually the best time to get through.

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Just to clarify the maximum benefit amount - it's $999 per week for 2025, but you also need to meet the minimum earnings requirements. You need at least $3,695 in your highest quarter and total base year earnings of at least 1.5 times your highest quarter amount.

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So there are minimum earnings requirements too? I definitely meet those based on my salary, but good to know for anyone else reading this.

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what if you dont meet the minimum? do you get nothing?

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If you don't meet the minimum earnings requirements, you won't qualify for regular unemployment benefits. But there might be other programs available depending on your situation.

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One thing to keep in mind is that if you work part-time while collecting unemployment, they'll reduce your weekly benefit. In Washington, you can earn up to 25% of your weekly benefit amount without any reduction, but anything over that gets deducted dollar for dollar from your benefits.

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That's good to know since I might pick up some occasional shifts. So if my benefit is $558, I could earn up to about $140 per week without it affecting my unemployment?

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Exactly! Just make sure you report any work and earnings when you file your weekly claim.

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The benefit duration is also important to consider - you can typically collect for up to 26 weeks, but it depends on your base year earnings and the unemployment rate. During high unemployment periods, extended benefits might be available.

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26 weeks should hopefully be enough time to find something new. Is there any way to extend beyond that if needed?

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Extended benefits are only available when the state unemployment rate is high enough to trigger them. It's not something you can control - it's based on economic conditions.

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Make sure you're ready for the job search requirements too. You need to make at least 3 job search contacts per week and keep a log of your activities. This is separate from the benefit amount but important for maintaining eligibility.

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I was wondering about the job search requirements. Is it literally just 3 contacts per week or are there other requirements?

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It's minimum 3 contacts per week, but they need to be legitimate job search activities - applying for jobs, networking, interviews, etc. You have to log them in your WorkSourceWA account.

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The job search thing is such a pain. Like I'm not already motivated to find work without having to prove it with paperwork every week.

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For restaurant managers specifically, you might want to look into whether your employer offers any supplemental unemployment benefits or if you're eligible for any industry-specific programs. Some employers have agreements that provide additional benefits beyond the state amount.

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I'll check with HR about that. I know we have some benefits I haven't fully explored.

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does the $999 max include the extra $300 or whatever they were giving during covid? i'm confused about what's regular benefits vs emergency benefits

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No, the $999 is just regular Washington state unemployment benefits. The extra federal payments from COVID (like the $300 FPUC) ended in 2021. What you get now is just the regular state benefit amount.

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ok thanks. i was wondering why my friend said she got way more than $999 back in 2021

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Update on my situation - I finally got through to Washington ESD using that Claimyr service someone mentioned earlier. The agent was able to explain why my benefit calculation was different from the online estimate. Turns out I had some earnings from a different quarter that were being counted that I didn't realize. Definitely worth using if you're stuck trying to reach them.

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Glad you got it sorted out! It's frustrating when the online tools don't give you the full picture.

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How much did that service cost? I'm having issues too but don't want to spend a fortune just to talk to someone.

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It was reasonable considering how much time it saved me. Way better than losing days trying to call myself.

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been on unemployment for 8 weeks now and getting $847 weekly. used to make about $65k so the benefits definitely don't replace your full income but its enough to cover basics while job hunting

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That's really helpful to hear from someone actually receiving benefits. $847 is pretty good - that suggests you had a strong earnings quarter.

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yeah my last job had good overtime opportunities so my highest quarter was around $22k. the calculation worked out well for me

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Don't forget about the waiting week! Washington eliminated it during COVID but it might come back. Make sure you file your claim as soon as you're eligible even if you think you might not need it right away.

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Good point about filing early. I keep putting it off thinking I might find something quickly, but it's probably better to have it in place just in case.

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Definitely file as soon as you're eligible. There's no penalty for filing early, but you can't backdate your claim to get benefits for weeks before you filed.

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The benefit amount also depends on your family size in some cases. If you have dependents, you might be eligible for additional allowances, though I think Washington might have eliminated those. Worth checking though.

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Washington doesn't have dependent allowances for unemployment benefits. The weekly benefit amount is the same regardless of family size.

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Thanks for the correction! I was thinking of another state's program.

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Just want to mention that if you're still partially employed (like getting some hours but not full-time), you might still qualify for partial unemployment benefits. The calculation is different but it can help bridge the gap.

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That might apply to my situation since I'm still getting a few hours here and there. I'll look into partial benefits.

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Definitely worth checking. Even if you're working 20 hours a week, you might still qualify for some benefits if your earnings are low enough.

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anyone know if they ever adjust the maximum benefit amount during the year? seems like $999 is pretty good but with inflation and everything...

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The maximum benefit amounts are typically adjusted annually, usually at the beginning of the year. The $999 maximum for 2025 was set based on the average weekly wage in Washington state.

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makes sense. at least it goes up with wages somewhat

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One more thing about taxes - you can choose to have federal taxes withheld from your unemployment benefits, but you can't have state taxes withheld because Washington doesn't have a state income tax. Just federal.

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Right, I forgot Washington doesn't have state income tax. That's actually helpful since I won't have to worry about state tax withholding.

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If your benefit amount seems wrong, definitely appeal or contact Washington ESD to get it straightened out. I had a similar issue where they were using the wrong base year and it took a while to get corrected, but it was worth the effort.

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Thanks for all the advice everyone! This has been really helpful in understanding how the benefit calculations work.

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Good luck with your claim! The restaurant industry has been tough lately, but unemployment benefits should help while you're looking for something new.

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Just wanted to add that you should also check if you qualify for any additional support programs while on unemployment. Washington has programs like Basic Food (SNAP), Apple Health (Medicaid), and utility assistance that can help stretch your unemployment benefits further. The income limits for these programs often account for unemployment benefits, so you might qualify even if you didn't before. It's worth applying since every bit helps when you're between jobs.

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That's really great advice! I hadn't thought about looking into other assistance programs. With my income being cut so drastically, I probably would qualify for some of these now. Do you know if there's a single place to apply for multiple programs or do you have to go through each one separately?

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You can actually apply for most Washington state assistance programs through the Washington Connection website (washingtonconnection.org). It's a single portal where you can apply for Basic Food, Apple Health, Working Connections Child Care, and cash assistance all at once. Makes it much easier than having to fill out separate applications for each program. They'll determine what you qualify for based on your household size and income from unemployment.

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