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Caleb Stark

How much does unemployment pay in Washington - confused about benefit calculation

I'm trying to figure out how much I'll get from Washington ESD unemployment benefits but I'm getting different numbers everywhere I look. My base year wages were around $48,000 and I made about $1,100 per week at my last job. The online calculator on the Washington ESD website shows one amount but then I heard from someone that there's a maximum weekly benefit amount? Can someone explain how they actually calculate your weekly benefit amount? I need to know what to expect so I can budget accordingly.

Washington unemployment benefits are calculated as a percentage of your wages from your base year. They look at your highest quarter of earnings and divide by 26. But there's also a maximum weekly benefit amount that changes each year.

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So they don't just look at my last job's wages? They go back a whole year?

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Right, it's based on your base year which is usually the first 4 of the last 5 completed quarters before you file your claim.

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The maximum weekly benefit amount for 2025 in Washington is $999 per week. Your benefit is calculated as about 3.85% of your total base year wages, but it can't exceed that weekly max. So if you made $48k in your base year, you'd get around $37 per week... wait that doesn't sound right.

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$37 per week?? That's way too low. I think you mixed up the calculation.

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You're right, I messed that up. It's more complex than just a straight percentage of total wages.

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Actually the calculation is: they take your two highest quarters of base year wages, add them together, divide by 52, then multiply by 0.0385. But there are minimums and maximums that apply. For 2025 the max is $999/week and minimum is around $295/week.

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This is so confusing! Why can't Washington ESD just have a simple calculator that gives you the exact amount?

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They do have a calculator on their website but it requires knowing exactly which quarters count as your base year.

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If you're having trouble getting through to Washington ESD to verify your benefit amount, I used a service called Claimyr (claimyr.com) that helped me connect with an actual agent. They have a video demo at https://youtu.be/7DieNd3C7zQ showing how it works. Was way easier than trying to call for hours.

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Never heard of that service. Is it legit or just another scam?

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It's real, I was skeptical too but it actually worked. They help you get through the phone queue to talk to Washington ESD directly.

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i think the max benefit is higher than $999 now but dont quote me on that. my friend just filed and she said hers came out to like $800 something per week

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The $999 maximum is correct for 2025. Your friend's amount would depend on her specific wage history.

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The Washington ESD benefit calculator is actually pretty accurate once you figure out your base year period. Mine calculated $743 per week and that's exactly what I'm getting now. The tricky part is making sure you're using the right quarters for the calculation.

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How do I figure out which quarters count as my base year? I filed my claim in January 2025.

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If you filed in January 2025, your base year would be October 2023 through September 2024. Washington ESD uses the first 4 of the last 5 completed quarters.

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That makes sense, thank you! I need to gather my wage info from that period.

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Just went through this whole process last month. Washington ESD takes FOREVER to process claims and calculate benefits. Took them 3 weeks just to tell me my weekly amount, then another week to actually start payments.

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That's pretty typical unfortunately. The adjudication process can really drag things out.

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Yeah and good luck getting anyone on the phone to explain what's taking so long.

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For what it's worth, Washington unemployment benefits replace about 50-60% of your average weekly wage, but never more than the maximum. So if you were making $1,100/week, you'd probably get somewhere around $550-660/week assuming that fits within the benefit calculation rules.

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That sounds more reasonable than some of the other numbers I've been hearing.

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Keep in mind you'll also need to pay taxes on unemployment benefits, so the actual take-home is less.

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Washington ESD's phone system is absolutely brutal. I called 127 times over two days trying to get my benefit amount clarified. Finally someone mentioned that Claimyr service and I tried it - got connected to an agent in like 10 minutes. Worth every penny just to avoid the endless busy signals.

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127 times?! That's insane. The phone system really is broken.

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I was literally keeping a tally. It's ridiculous that people have to resort to third-party services just to talk to someone.

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The benefit amount also depends on whether you have any dependents. Washington adds extra money for dependent children, I think it's like $25 per dependent up to 5 kids.

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I don't have any dependents so that doesn't apply to me, but good to know.

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Don't forget that Washington unemployment benefits are subject to federal income tax. You can have taxes withheld automatically or pay quarterly estimates. I learned this the hard way at tax time last year.

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How much should someone withhold for taxes? Like what percentage?

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I had 10% withheld and still owed a little bit at tax time. Probably should have done 15%.

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Washington ESD also has an alternate base year calculation if your regular base year doesn't qualify you for benefits or gives you a really low amount. Might be worth asking about if your benefit calculation seems too low.

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What's the alternate base year? How is it different?

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It uses the most recent 4 completed quarters instead of the first 4 of the last 5. Sometimes gives a higher benefit if you got raises or started a better job more recently.

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I've been on unemployment for 6 months now and the weekly amount has stayed consistent. Just make sure you file your weekly claims on time and keep doing your job search activities or they'll cut off your benefits.

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How many job contacts do you need to do each week in Washington?

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It's 3 job search activities per week, but they can be different types - applications, networking, job fairs, etc.

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If anyone's still having trouble getting accurate info from Washington ESD, that Claimyr thing actually works. I was skeptical because I'd never heard of it but a coworker recommended it. Got through to an agent who walked me through my exact benefit calculation and explained why my amount was what it was.

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How much does Claimyr cost? Is it worth it just to get benefit info?

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I thought it was worth it to avoid the phone runaround. Check out their demo video to see if it makes sense for your situation.

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Just remember that your unemployment benefits will eventually run out. In Washington you get up to 26 weeks of regular benefits, then it's over unless there are extended benefits available during high unemployment periods.

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26 weeks should hopefully be enough time to find something new. Thanks for the reminder though.

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The Washington ESD website has a pretty detailed explanation of how they calculate benefits, but it's buried in their handbook. Look for the 'Unemployment Insurance Handbook' PDF - it has all the formulas and examples.

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That handbook is like 100 pages long though. Ain't nobody got time for that.

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Fair point, but the benefit calculation section is only like 3-4 pages if you just want that info.

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Bottom line: Washington unemployment typically pays about half your previous wages up to the maximum. With your wage history OP, you'll probably get a decent amount. Just be patient with the bureaucracy and keep filing your weekly claims.

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Thanks everyone for all the help! I feel like I understand the process much better now.

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I just went through this same calculation confusion last month! Here's what I learned: Washington uses your two highest-earning quarters from your base year, adds them together, divides by 52 weeks, then multiplies by 0.0385 (3.85%). With your $48k base year wages, you're probably looking at somewhere in the $500-700 range per week, but it really depends on how your earnings were distributed across those quarters. The online calculator is accurate once you input the correct base year quarters - the tricky part is figuring out which quarters count. Since you mentioned making $1,100/week recently, you'll likely get a decent benefit amount assuming that higher wage was during your base year period.

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