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Fatima Al-Maktoum

How much does unemployment pay in Washington state - what's the weekly benefit amount?

I just got laid off from my retail job and need to file for unemployment benefits. I'm trying to figure out how much Washington ESD pays per week so I can budget accordingly. I was making about $18/hour working around 35 hours a week. Does anyone know how they calculate the weekly benefit amount? I heard it's based on your earnings but I'm not sure how that works exactly.

Washington ESD calculates your weekly benefit amount based on your highest earning quarter in your base year. The maximum weekly benefit for 2025 is $999 per week, but most people get way less than that. They take your highest quarter earnings, divide by 26, then you get roughly 60% of that amount as your weekly benefit.

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Thanks! So if I made around $8,000 in my best quarter, that would be about $308 divided by 26, then 60% of that? That seems really low...

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Actually you divide the $8,000 by 26 first to get about $308, then multiply by 0.6 to get around $185 per week. Yeah it's not a lot but it's better than nothing.

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i think theres also a minimum amount too, like $295 or something? not sure exactly but they have both min and max amounts

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The minimum weekly benefit amount in Washington is $295 for 2025. So even if your calculation comes out lower, you'd still get at least that much.

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Oh that's good to know! So I'd probably get around $295 then based on my earnings.

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Just wanted to mention that if you're having trouble getting through to Washington ESD to ask about your benefit amount calculation, I used this service called Claimyr that helped me reach an actual agent. They have a website at claimyr.com and there's a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Saved me hours of calling and getting busy signals.

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Never heard of that, is it legit? Seems weird to pay someone to make phone calls for you.

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Yeah it's totally legitimate. They don't ask for any personal info, just help you get connected to Washington ESD when the lines are busy. Worth it when you really need to talk to someone.

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THE WHOLE SYSTEM IS A JOKE! I worked for 15 years and when I finally needed unemployment they give me peanuts. $400 a week when my rent alone is $1200. How are we supposed to survive on these amounts??

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I feel you, it's really hard. The benefits are meant to be temporary assistance not full income replacement unfortunately.

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Temporary my ass, I've been looking for work for 4 months and nothing pays what I used to make. Meanwhile bills keep coming.

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For anyone wondering about the exact calculation, Washington ESD uses your base year which is the first 4 quarters of the 5 completed quarters before you file. They look at your highest earning quarter, divide by 26, then multiply by 0.6. There's also an alternate base year calculation if you don't qualify under the regular base year.

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What's the alternate base year? I just started this job 6 months ago after being unemployed for a while.

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The alternate base year uses the last 4 completed quarters instead of the first 4 of 5. It can help people who recently started working or had a gap in employment.

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also dont forget you have to pay taxes on unemployment benefits, so whatever amount you get isnt what youll actually take home

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Wait, unemployment is taxable? That sucks, I didn't know that.

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Yes, unemployment benefits are considered taxable income by both federal and Washington state. You can choose to have taxes withheld or pay when you file your return.

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I'm getting $445 a week and I was making about $25/hour full time. The calculation seems about right based on what others have said here.

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That gives me hope, $445 would actually help a lot with my bills.

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Yeah it's not amazing but it definitely helps. Just make sure you file your weekly claims on time every week or you'll lose benefits.

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Quick question - do they count overtime hours when calculating benefits? I had a lot of overtime in my last job.

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Yes, overtime pay counts as part of your total earnings for benefit calculation purposes. It's all based on your gross wages reported to Washington ESD.

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Good to know, thanks! That should bump up my benefit amount then.

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One thing I learned the hard way - your benefit amount doesn't change during your benefit year even if you get a part-time job and then lose it. It's locked in based on your base year earnings when you first file.

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So if I find a part-time job while on unemployment, that won't affect my weekly benefit amount?

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Right, your weekly benefit amount stays the same, but they'll reduce your payment based on how much you earn from the part-time work. There's a formula for partial benefits.

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been trying to call washington esd for 3 days to ask about my benefit calculation and cant get through. their phone system is awful

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That's exactly why I ended up using Claimyr. The regular phone lines are impossible. With their service I got through to an agent in like 10 minutes instead of spending all day redialing.

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might have to try that, this is ridiculous. i just want to know why my benefit amount seems wrong

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Does anyone know if the benefit amounts ever get adjusted for cost of living? $999 max seems low for how expensive everything is now.

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The maximum benefit amount is adjusted annually based on the state's average wage. It has gone up over the years but not as fast as housing costs unfortunately.

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EXACTLY! They adjust it by like $20 while rent goes up $200. The whole system needs an overhaul.

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I was surprised that my benefit amount was higher than I expected. I guess I had a really good quarter that I forgot about. The online calculator on Washington ESD's website is pretty accurate if you want to estimate before filing.

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There's an online calculator? I couldn't find that on their website.

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It's buried in there somewhere. You have to dig around in the resources section I think. Much easier to just file and see what they give you.

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also remember you can only collect benefits for 26 weeks max unless they extend it during recessions or whatever

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26 weeks should be enough time to find something new, hopefully.

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That's the hope, but some industries are tougher than others. I know people who used up all 26 weeks and still couldn't find work that paid decently.

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My sister got denied initially because they said she didn't earn enough in her base year, but then she reapplied using the alternate base year and qualified. Might be worth knowing about if your recent earnings were higher than earlier.

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Good point. The alternate base year can really help people who had irregular work schedules or career changes. Washington ESD should automatically check both but sometimes you have to request it.

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Just filed my claim yesterday and still waiting to hear back on my benefit amount. The waiting is killing me because I need to know how much I'll get to plan my budget.

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It usually takes about a week to get your monetary determination letter. You should get it by mail and also in your SecureAccess Washington account.

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Thanks, I'll keep checking my account. At least I know roughly what to expect based on the info in this thread.

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Word of advice - if your benefit amount seems wrong when you get your determination letter, don't just accept it. You can appeal within 30 days. I did that and got my amount increased by $75 per week because they miscalculated my earnings.

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How did you prove they made a mistake? What documentation did you need?

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I had my old pay stubs that showed higher earnings than what they had on file. Turns out one of my employers didn't report my wages correctly to Washington ESD.

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The hardest part isn't figuring out how much you'll get, it's actually getting approved in the first place. My claim has been stuck in adjudication for 5 weeks now with no updates.

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Adjudication delays are brutal right now. That's another situation where Claimyr helped me - I was able to talk to someone who explained what was happening with my claim instead of just waiting in the dark.

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I might have to try that service. 5 weeks is ridiculous, I need those benefits to pay rent.

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For what it's worth, even though the amounts aren't huge, unemployment benefits in Washington are better than a lot of other states. My cousin in Texas gets like $200 a week max.

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That's not saying much when $200 wouldn't even cover groceries for a week these days.

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True, but I'm just saying we could have it worse. At least Washington tries to provide some decent support.

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Pro tip: if you're close to qualifying for a higher benefit amount, it might be worth waiting a few weeks to file if you have a high-earning quarter coming up in your base year calculation.

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This is good advice but you have to be really careful with timing. You can only delay so long after becoming unemployed, and you need to make sure you're still eligible when you do file.

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Definitely check with Washington ESD first, but it worked for me. Waited 6 weeks and ended up getting $150 more per week because a better quarter became part of my base year.

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thanks everyone for all the info! this thread has been super helpful in understanding how the benefit amounts work. at least now i know what to expect when i file my claim

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Good luck with your claim! Don't forget to file your weekly claims every week once you're approved, even if you're looking for work.

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Same here, this thread answered all my questions. Time to get my claim filed!

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