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Dylan Campbell

How much does unemployment pay in Washington State weekly?

I just got laid off from my retail job at Target and I'm trying to figure out my budget while I look for work. Does anyone know how much unemployment benefits actually pay per week in Washington? I was making about $18/hour working 35 hours a week. I've never filed for unemployment before so I have no idea what to expect. Should I even bother applying if the amount is really low?

Washington ESD calculates your weekly benefit amount based on your earnings in your base year (the first 4 of the last 5 completed quarters). The maximum weekly benefit amount for 2025 is $999, but most people get less. You take your highest earning quarter from your base year, divide by 26, then multiply by 0.0385. There's also a minimum of $295 per week.

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That formula is confusing. So if I made like $12,000 in my best quarter, I'd get around $178 per week? That seems really low.

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Actually, let me clarify - you divide your highest quarter by 26, then that amount is your weekly benefit (subject to the min/max). So $12,000 ÷ 26 = about $462 per week, which is much better than $178!

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The amount varies a lot depending on your work history. I was making $22/hour full time and my weekly benefit came out to $647. But here's the thing - actually getting through to Washington ESD to file your claim or check status is nearly impossible. I spent weeks trying to call them.

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Wait, so even if I qualify for benefits, I might not be able to actually file? How did you finally get through?

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I ended up using this service called Claimyr that automatically calls Washington ESD for you and connects you when an agent picks up. Check out claimyr.com - they have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Saved me so much frustration.

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Whatever you do, apply ASAP! There's a waiting week before benefits start, plus it takes time to process your claim. Even if the amount isn't huge, it's better than nothing while you're job hunting. And you have to do weekly claims every week to keep getting paid.

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Good point about applying right away. Do I need to wait until my last day of work or can I file now?

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You can file the Sunday after your last day of work. Don't wait longer than that or you'll lose benefit weeks.

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the unemployment system is such a joke. they make it impossible to get through on the phone and then when you finally do get benefits its like half what you were making. i was getting $425 a week when i was making $800 before. barely covers rent let alone food and gas

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That's rough but unemployment isn't meant to replace your full income. It's temporary assistance while you look for work. At least Washington's benefits are higher than most states.

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easy for you to say. try living on $425 a week in seattle where rent is $2000+ for a studio

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Just want to add that you also need to actively look for work and report your job search activities when you file your weekly claims. Washington ESD requires 3 job search activities per week. Keep detailed records because they can audit you later.

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What counts as a job search activity? Just applying for jobs or other stuff too?

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Job applications, networking events, job fairs, WorkSource workshops, even creating profiles on job sites. Check the Washington ESD website for the full list of acceptable activities.

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I'm currently getting $518 per week which isn't bad considering I was only working part-time before I got laid off. The key is having consistent work history in your base year. If you worked irregular hours or had gaps in employment, your benefit amount will be lower.

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I've been at Target for almost 2 years pretty consistently, so hopefully that helps. Did your claim get approved quickly?

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Mine took about 3 weeks because they had to verify my employment. Some claims go into adjudication which can take longer. Be patient but keep following up.

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Don't forget about taxes! Unemployment benefits are taxable income. You can choose to have taxes withheld (10% federal) or you'll owe at tax time. I learned this the hard way and owed like $1800 when I filed my taxes.

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Ugh I didn't even think about taxes. So the amount they give you isn't what you actually get to keep?

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Exactly. If you get $500/week and don't have taxes taken out, you'll owe about $50/week in federal taxes plus whatever state taxes apply.

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The maximum benefit duration is 26 weeks in Washington, but that can change during recessions. Right now it's back to the standard 26 weeks. Make sure you're using that time effectively to find a new job, not just coasting on benefits.

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26 weeks goes by fast when you're actually trying to find decent work. The job market is tough right now.

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True, but unemployment gives you some breathing room to find the right job instead of just taking anything out of desperation.

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Has anyone had luck with the Claimyr service mentioned earlier? I've been trying to call Washington ESD for weeks about an issue with my claim and can never get through. The automated system just hangs up on you after saying they're too busy.

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Yes! I mentioned it earlier - Claimyr worked great for me. They call repeatedly until they get through and then connect you. Much better than spending hours listening to busy signals.

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I was skeptical at first but tried Claimyr last week and got connected to an agent in about 2 hours. Worth it to actually talk to someone at Washington ESD instead of hitting redial all day.

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One thing to keep in mind is that if you have any side income while collecting unemployment, you need to report it. Even small amounts can affect your weekly benefit. I do some freelance work and have to report every penny.

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What if I pick up a shift here and there at my old job? Do I report that too?

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Yes, you report ANY income during the week you earned it. They'll reduce your benefit amount based on how much you made, but you might still get partial benefits.

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The weekly filing is super important - you have to file every week even if you haven't heard back about your claim yet. I missed one week early on and it created a whole mess that took forever to sort out.

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When do you have to file the weekly claims? Is there a specific day?

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

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my claim got stuck in adjudication for 6 weeks because they couldn't verify my employment at a small restaurant that closed down. finally got it resolved but man what a nightmare trying to reach anyone at washington esd

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That's exactly why services like Claimyr exist. The phone system is completely broken and they know it.

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wish i had known about that earlier. would have saved me so much stress

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Quick tip: set up direct deposit if you can. Paper checks take forever and sometimes get lost in the mail. Direct deposit usually shows up Tuesday or Wednesday after you file your weekly claim on Sunday.

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Good to know! Is there any fee for direct deposit?

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Nope, it's free and much more reliable than waiting for checks.

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For anyone wondering about the actual dollar amounts, here's what I've seen from friends and coworkers: minimum wage workers usually get around $300-400 per week, retail workers like OP might get $450-550, and higher earners can get up to the maximum of $999. It really depends on your earnings history.

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That helps give me a realistic expectation. Sounds like I'll probably be in that $450-550 range which isn't great but better than nothing.

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Exactly, and remember it's temporary. Use the time to maybe learn new skills or get certifications that could help you land a better job.

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The whole system is designed to make you give up. Between the impossible phone lines, confusing paperwork, and constant verification requests, they're hoping people just won't bother. But stick with it because you paid into this system through your payroll taxes.

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This is so true. I almost gave up multiple times but kept pushing through. You've earned these benefits.

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Thanks for the encouragement. I'm definitely going to apply this weekend and see what happens.

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