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Ravi Sharma

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

I might need to file for unemployment soon and I'm trying to figure out if the payments will cover my basic expenses. Does anyone know how much Washington ESD pays per week? I've been making around $65,000 a year at my current job but I'm not sure how they calculate the benefit amount. Also wondering if there are any deductions or taxes taken out automatically?

Washington unemployment benefits are calculated based on your highest earning quarter in your base period. The maximum weekly benefit amount is currently $999 per week, but most people get somewhere between $300-700 depending on their previous wages. You can use the benefit calculator on the Washington ESD website to get a rough estimate.

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Thanks! Do you know if they take taxes out automatically or do I need to request that?

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You can choose to have 10% federal tax withheld when you file your initial claim. Washington doesn't have state income tax so you don't need to worry about that part.

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i think its like 60% of what you made before but dont quote me on that. when i was on unemployment last year i was getting around $400 a week but i wasnt making that much at my old job

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It's actually calculated differently - it's based on your quarterly wages, not a straight percentage of your salary. The formula is pretty complex but the online calculator gives you a good estimate.

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oh ok that makes sense why mine seemed low then

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If you're having trouble getting through to Washington ESD to ask about benefit amounts or check your claim status, I had good luck using Claimyr recently. It's a service that helps you actually reach a real person at unemployment offices. There's a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Way better than spending hours on hold or getting hung up on.

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Never heard of that but honestly anything is better than trying to call Washington ESD directly. Their phone system is terrible.

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Yeah exactly! The site is claimyr.com if you want to check it out. Saved me so much frustration when I needed to talk to someone about my adjudication issue.

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With your salary of $65K, you'll probably qualify for close to the maximum benefit amount. Washington uses your two highest quarters in the base period to calculate benefits. The weekly benefit amount is roughly 3.85% of your average quarterly wages, up to the $999 maximum. So if you were consistently earning around that level, you're looking at somewhere in the $700-900 range per week.

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Wow that's actually more than I expected! That would definitely help cover my mortgage and basic expenses while job hunting.

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Keep in mind you still have to do the job search requirements though - 3 job contacts per week and registering with WorkSourceWA.

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Good point, I'll make sure to keep track of all my job applications for the weekly claims.

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The Washington ESD benefit calculator is pretty accurate but sometimes the actual amount is slightly different when you get approved. Mine was about $50 less per week than what the calculator showed, not sure why.

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That could be due to how they round the calculations or if there were any wage adjustments in your base period quarters.

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Makes sense, it wasn't a huge difference anyway so not worth worrying about.

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JUST A WARNING - don't count on getting benefits right away! I filed in January and my claim sat in adjudication for 6 weeks before they approved it. No payments during that time and calling them was impossible.

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Adjudication delays can definitely happen, especially if there are any issues with your separation from employment or if you had multiple jobs during your base period.

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Yeah they had questions about why I left my job even though it was a clear layoff situation. Took forever to get it sorted out.

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This is exactly why I used Claimyr when I had adjudication issues - being able to actually talk to someone at Washington ESD made all the difference in getting things resolved quickly.

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does anyone know if the amount changes if you work part time while on unemployment? like can you still get some benefits?

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Yes, you can work part-time and still receive partial unemployment benefits. Washington has an earnings deduction formula - you can earn up to your weekly benefit amount plus $5 before they start reducing your benefits.

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oh thats good to know, might help me transition back to full time work

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Just make sure to report all earnings on your weekly claim, even if it's just a few hours. Not reporting can cause overpayment issues later.

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I was getting $825/week when I was on unemployment last fall. Had been making about $70K at my previous job. The payments were deposited every Tuesday if I filed my weekly claim by Sunday night.

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That's really helpful to know the timing! So I'd need to file every week by Sunday to get paid on Tuesday?

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Exactly. You file your weekly claim online through your SecureAccess Washington account. Pretty straightforward process once you get used to it.

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The maximum benefit amount in Washington is actually higher than most other states. $999/week is pretty decent compared to places that cap it at like $400-500. Still not easy to live on but better than nothing.

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Yeah I was worried it would be way less. At least it sounds like it might cover my basic expenses while I look for something new.

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Just remember the benefits only last for 26 weeks in most cases, so don't take too long with the job search!

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When I calculated my benefits using the Washington ESD calculator, I made sure to have all my pay stubs from the last 18 months handy. The base period calculation can be tricky if you had gaps in employment or changed jobs.

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Good tip! I've been at the same job for 3 years so hopefully that makes it straightforward.

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That should make it easy then. Steady employment history usually means no complications with the benefit calculation.

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One thing to keep in mind is that unemployment benefits are taxable income. You'll get a 1099-G form at the end of the year that you'll need for your tax return. I learned this the hard way my first time filing.

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Thanks for the heads up! I'll definitely opt for the tax withholding when I file my claim.

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Smart move. A lot of people forget about the tax implications and end up owing money at tax time.

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Washington ESD also has an extended benefits program that can kick in during high unemployment periods, but I think that's not active right now. Regular benefits are 26 weeks max.

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Correct, extended benefits are triggered automatically when the state unemployment rate hits certain thresholds. Right now we're just on regular state benefits.

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Hopefully 26 weeks is enough time to find something good. Job market seems pretty decent right now at least.

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I had to appeal my initial benefit amount determination because I thought it was calculated wrong. Turns out I was looking at gross wages instead of net, and their calculation was actually correct. The appeal process took about 3 weeks though.

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Good to know appeals are an option if something seems off. Did you need to provide additional documentation?

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Yeah I had to submit pay stubs and my tax return from the previous year. They were pretty thorough in reviewing everything.

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The benefit amount also depends on when you file your claim because it determines which quarters they use for your base period. If you're right at the edge of a quarter, it might be worth waiting a few days if it means including a higher-earning quarter.

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This is good strategic thinking. The base period is the first four of the last five completed calendar quarters before you file, so timing can definitely matter.

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Interesting, I hadn't thought about that timing aspect. I'll look at my earnings by quarter to see if waiting makes sense.

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Whatever you do, don't wait too long to file if you become unemployed. There's no retroactive benefits in Washington - you can only get paid from the week you actually file your initial claim.

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That's really important to know! So I should file right away even if I'm still figuring out the details?

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Exactly. You can always ask questions later but you can't go back and get benefits for weeks before you filed.

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If you need help navigating the Washington ESD system or have trouble reaching someone by phone, there are services like Claimyr that can help you get connected to agents. I used it when I had questions about my benefit calculation and it worked great. Check out claimyr.com - they have a video demo that explains how it works.

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I might need that if I run into issues. The Washington ESD phone system is notoriously difficult to get through on.

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Yeah I've heard horror stories about people calling hundreds of times. Good to know there are alternatives.

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The weekly benefit amount stays the same throughout your entire benefit year unless you have a new claim with different wages. So whatever you qualify for initially is what you'll get for all 26 weeks (assuming you remain eligible).

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That makes sense and helps with budgeting. At least I'll know exactly what to expect each week.

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Just remember you still have to file every week and meet the job search requirements to keep getting payments.

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One last tip - set up direct deposit when you file your claim. Paper checks take forever and can get lost in the mail. Direct deposit hits your account every Tuesday like clockwork if you file by the deadline.

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Definitely will do direct deposit. Thanks everyone for all the helpful information! This gives me a much better idea of what to expect.

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Good luck with everything! The Washington ESD system can be complicated but once you get familiar with it, the weekly claims become pretty routine.

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