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Miguel Ramos

How much does unemployment pay in Washington state - need to know what to expect

I'm about to file for unemployment for the first time and honestly have no idea how much does unemployment pay in Washington. I've been making $52,000 a year at my job but got laid off last week. I'm trying to figure out my budget while I look for work. Does anyone know how they calculate the weekly benefit amount? I heard it's based on your wages but not sure exactly how that works. Also wondering if there's a maximum amount they'll pay regardless of what you made before.

Washington ESD calculates your weekly benefit amount using your highest quarter of earnings from your base period. They take your total wages from that quarter and divide by 26. The maximum weekly benefit for 2025 is $999 per week. So if you made $52k annually, you're probably looking at somewhere around $450-550 per week depending on how your wages were distributed throughout the year.

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That's actually higher than I expected! So it's based on just one quarter, not the whole year?

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Right, they use your highest earning quarter. Makes sense since some people have seasonal work or got raises during the year.

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The exact formula is a bit more complicated than that. Washington ESD uses your base period which is the first 4 of the last 5 completed calendar quarters before you file. They look at your highest quarter and lowest quarter, do some calculations with those amounts. You can get an estimate on the Washington ESD website before you file your claim.

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I'll check that out, thanks. Do you know if the amount changes if I find part-time work while collecting?

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Yes, you can work part-time and still collect some benefits. They deduct 75% of your gross earnings from your weekly benefit amount, but you can earn up to your weekly benefit amount before you lose all benefits for that week.

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Just a heads up - the actual process of getting your benefits can be really frustrating. I spent weeks trying to get through to Washington ESD on the phone to get my claim status figured out. If you run into issues reaching them, I found this service called Claimyr (claimyr.com) that helped me get connected to an actual agent. They have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Saved me hours of calling.

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Good to know there are options if I can't get through. Hopefully my claim goes smoothly though.

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I've heard of services like that but wasn't sure if they were legit. Did it actually work for you?

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Yeah it worked great. I was able to talk to someone within a couple hours instead of spending days trying to call.

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ugh the whole system is so confusing. i filed 3 weeks ago and still haven't gotten my first payment. my claim says approved but no money yet. anyone else dealing with this?

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Did you file your weekly claims? Even after your initial claim is approved, you still need to file weekly to get payments.

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oh wait really?? i thought it was automatic once approved. where do i file the weekly claims?

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Log into your eServices account on the Washington ESD website. You'll file your weekly claim there every week.

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The maximum weekly benefit amount for 2025 is $999, but most people don't get that much. The average weekly benefit in Washington is around $520. Your amount depends on your wage history during the base period. Keep in mind you'll also need to meet the job search requirements - 3 job search activities per week unless you're on standby with your employer.

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

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Job applications, networking events, job fairs, career counseling, skills assessments, training programs. You need to keep a log of your activities in case they audit you.

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I hate how they make it so complicated. Why can't they just tell you upfront how much you'll get instead of all these calculations and base periods??

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The calculator on the Washington ESD website is pretty accurate if you have your wage information handy.

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i tried that but it's asking for all these specific quarter amounts that i don't remember off the top of my head

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One thing to keep in mind is that unemployment benefits are taxable income. You can choose to have taxes withheld from your weekly benefits or pay them later when you file your tax return. I'd recommend having them withheld so you don't get hit with a big tax bill next year.

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Good point, I didn't think about taxes. How much do they typically withhold?

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They withhold 10% for federal taxes if you choose that option. You'll still need to pay state taxes when you file your return though.

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Does anyone know if they've increased the benefit amounts recently? I collected unemployment back in 2022 and feel like the amounts were lower then.

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Yes, Washington adjusts the maximum benefit amount annually based on average wages in the state. It's gone up each year for the past few years.

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That's good at least. Cost of living keeps going up so benefits should too.

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This is all really helpful, thanks everyone. Sounds like I should expect around $400-500 per week based on my salary. That'll cover most of my essential expenses while I job hunt.

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That sounds about right for your income level. Just make sure you file your initial claim as soon as possible since there's a waiting week before benefits start.

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Will do, planning to file online tomorrow morning.

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Make sure you understand the difference between your weekly benefit amount and what you actually receive. If you have any deductions like child support or previous overpayments, those come out of your weekly amount.

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I don't think I have any deductions to worry about, but good to know that's possible.

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Another thing - if you run into any issues with your claim or need to talk to Washington ESD about your benefit amount calculation, don't waste time trying to call. I mentioned Claimyr earlier and they really saved me when I had questions about my weekly benefit amount. Much easier than sitting on hold for hours.

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How much does a service like that cost though? I'm about to be unemployed so money's tight.

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It was worth it for me to get my issues resolved quickly rather than missing weeks of benefits while I couldn't get through to anyone.

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Pro tip: when you file your weekly claims, make sure you answer all the questions accurately. If you work any hours or earn any money that week, report it. Better to be honest upfront than deal with an overpayment notice later.

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Definitely planning to be completely honest. Don't want any complications.

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what happens if you get an overpayment notice?

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You have to pay it back, either in a lump sum or they can deduct it from future benefits. Plus there might be penalties depending on why the overpayment happened.

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The Washington ESD website has a benefit calculator that's pretty accurate. You just need your gross wages for each quarter of your base period. It'll give you an estimate of your weekly benefit amount before you file your claim.

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I'll try that calculator once I gather my pay stubs. Thanks for the tip!

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Just remember that unemployment is temporary assistance, not a permanent solution. The job search requirements are there for a reason. Stay active in your job search and hopefully you won't need benefits for too long.

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Absolutely, I'm already starting to update my resume and reach out to contacts. Hoping to find something quickly.

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One more thing about the benefit amount - it can seem like a lot compared to what you expect, but remember it's only for a maximum of 26 weeks in most cases. So budget accordingly and don't assume you'll have that income for a full year.

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Good point about the time limit. Hopefully I'll find work well before 26 weeks anyway.

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does the amount change if you have dependents? i have two kids and wondering if that affects the weekly benefit

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Washington doesn't provide additional benefits for dependents. Your weekly benefit amount is based solely on your wage history during the base period.

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ok thanks, wasn't sure about that

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The whole process seems overwhelming but it's really not that bad once you get started. The hardest part is usually just getting your initial claim approved and understanding all the requirements.

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That's reassuring. I'm probably overthinking it at this point.

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I collected unemployment last year and the weekly amount was definitely helpful in covering my basic expenses. Just make sure you file your weekly claims on time every week - if you miss a week you can't go back and file it later.

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When are weekly claims due? Is there a specific day each week?

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You can file them starting Sunday morning for the previous week. I always filed mine on Sunday to make sure I didn't forget.

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If anyone's having trouble getting through to Washington ESD for questions about their benefit calculations, I had good luck with Claimyr too. Sometimes you just need to talk to a real person to get things sorted out properly.

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Seems like several people have had success with that service. Good to know it's an option if I need it.

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The benefit amount might seem low compared to your regular salary, but remember it's meant to be temporary assistance while you look for work. Focus on your job search and hopefully you'll be back to full pay soon.

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Exactly my mindset. This is just a bridge until I find my next opportunity.

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Thanks for asking this question OP - I'm in a similar situation and this thread has been really informative. Good luck with your claim and job search!

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Glad it helped you too! Good luck to you as well.

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