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Joshua Hellan

How much does unemployment pay in Washington - need to know if it's worth filing

I'm thinking about filing for unemployment benefits after getting laid off from my warehouse job last week. Before I go through all the paperwork and wait times, I want to know how much does unemployment pay in Washington? I was making about $22/hour full time, so roughly $3,500 a month before taxes. Will the benefits even cover my rent and basic expenses? I've heard different things from people but want to know what to realistically expect from Washington ESD.

Washington unemployment benefits are calculated based on your highest earning quarter from the past year. The maximum weekly benefit amount is $999 per week in 2025, but most people get between $300-700 depending on their wages. With your income level, you'd probably qualify for around $400-500 per week before taxes.

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That's actually better than I expected! Do they take taxes out automatically or do I need to handle that myself?

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You can choose to have 10% federal tax withheld when you file your weekly claims, but it's optional. I'd recommend it though since you'll owe taxes on unemployment benefits.

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definitely file asap! the sooner you get your claim in the system the better. i waited 2 weeks thinking i'd find something quick and regretted it

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Yeah I'm starting to think the same thing. Better to have it and not need it than need it and not have it.

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Just a heads up - if you're having trouble getting through to Washington ESD to check on your claim status or ask questions about your benefit amount, I found this service called Claimyr that helps you actually connect with ESD agents. Check out claimyr.com and they have a demo video at https://youtu.be/7DieNd3C7zQ. Made my life so much easier when I was trying to figure out my benefit calculation.

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

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They handle the calling and waiting part, then connect you directly with a real ESD agent when they get through. Saved me hours of trying to call myself.

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The benefit amount really depends on your base period wages. Washington ESD looks at the first 4 of the last 5 completed quarters before you file. If you've been working steady at $22/hour, your weekly benefit amount will be roughly 3.85% of your total wages in your highest quarter, up to the maximum.

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That math is confusing but sounds like I should qualify for a decent amount since I've been working full time for over 2 years.

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Yeah don't worry about the math too much, Washington ESD calculates it automatically when you file your initial claim.

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JUST REMEMBER you have to do job search activities and file weekly claims to keep getting paid!!! can't just sit around collecting money

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Right, I heard about the job search requirements. How many jobs do I need to apply to each week?

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It's 3 job search activities per week in Washington. Can be applications, networking, interviews, job fairs, etc. You need to keep a log of what you do.

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i was getting $385 a week when i was on unemployment last year. made about $20/hour before i got laid off so sounds like you'll get a bit more

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That helps give me a better idea, thanks! Did you have any issues with your claim or did it go smoothly?

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took about 3 weeks to get my first payment but after that it was pretty smooth as long as i filed my weekly claims on time

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Make sure you file online through the Washington ESD website, not over the phone. The online system is way faster and you can track your claim status better.

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Good tip! I was planning to do it online anyway since I'm comfortable with computers.

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One thing nobody mentions is that unemployment is taxable income! You'll get a 1099-G form at tax time. Just something to keep in mind when budgeting.

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Yeah someone mentioned that earlier about the tax withholding. I'll probably opt for that to avoid a surprise tax bill.

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Smart move. I got hit with a $800 tax bill my first year because I didn't know unemployment was taxable.

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File as soon as possible! There's usually a one-week waiting period before you start receiving benefits, so the sooner you file the sooner that clock starts ticking.

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Wait, there's a waiting period even if I qualify? That seems weird.

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Yes, there's a one-week waiting period for regular unemployment benefits in Washington. It's standard across most states.

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The system is so backed up right now, took me 6 weeks to get my first payment even though my claim was straightforward

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6 weeks?! That's crazy. Did you ever find out why it took so long?

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Never got a straight answer. Just kept saying 'processing' whenever I could get through to someone.

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This is exactly why I used Claimyr - got tired of waiting weeks for answers and needed to talk to someone who could actually see what was happening with my claim.

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With your wage level you should qualify for close to the average benefit amount. Washington has one of the higher maximum benefit amounts compared to other states, so that's good news for you.

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That's reassuring. I was worried it would be like $200 a week or something that wouldn't even cover groceries.

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whatever you do dont quit your job to get unemployment, they check for that and you'll get denied

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No worries there - I got laid off, didn't quit. Sounds like that makes a difference for eligibility.

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Correct, you generally need to be unemployed through no fault of your own to qualify for benefits.

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I've been on unemployment twice and both times I got around 60% of my previous income in benefits. Not enough to live comfortably but enough to keep you afloat while job hunting.

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60% would actually work for me if I can find something within a few months. Better than nothing while I look for work.

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Make sure you keep track of all your job search activities from day one. Washington ESD can audit your job searches and if you can't prove you were looking for work, they'll make you pay back benefits.

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Good point about keeping records. I'll start a spreadsheet or something to track applications and interviews.

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WorkSource has a good online tool for tracking job searches too if you register with them.

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If your claim gets stuck in adjudication or you need to verify information, be prepared for a long wait to talk to someone at ESD. Their phone lines are constantly busy.

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How long are we talking? Like hours or days to get through?

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I've spent entire days trying to get through, only to get disconnected after waiting 2+ hours. It's incredibly frustrating.

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This is why services like Claimyr exist - they handle that nightmare calling process for you so you can actually get answers about your claim status.

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The key is filing your weekly claims every week even if you haven't received your first payment yet. Miss a week and you could lose benefits for that week permanently.

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Thanks for the warning! I'll make sure to set a reminder to file every week once I get started.

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honestly the whole process is a pain but the money helps. just be patient with the system and keep filing your weekly claims religiously

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Patience isn't my strong suit but I'll try to keep that in mind. At least I have a better idea of what to expect now.

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One last thing - if you find part-time work while on unemployment, you can still collect partial benefits as long as you report the earnings. Don't assume you have to be completely unemployed.

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That's actually really good to know! I was thinking I'd have to choose between a part-time job and unemployment benefits.

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Right, Washington has partial benefit calculations for people who work reduced hours or find part-time work while collecting unemployment.

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Good luck with your claim! File soon and don't get discouraged if it takes a while to process. The benefits will help you get by while you find your next job.

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Thanks everyone for all the helpful info! I'm going to file my claim this week and start the process.

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