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Omar Farouk

How much does unemployment pay in Washington - what should I expect?

I'm thinking about filing for unemployment benefits in Washington state but I have no idea how much I'd actually get. I've been working part-time retail for the past year making about $18/hour but only getting like 25-30 hours a week. Before that I had a full-time job that paid $22/hour for about 8 months. Does anyone know how Washington ESD calculates the weekly benefit amount? I'm trying to figure out if it's even worth applying or if the amount would be too small to help with my bills.

Washington unemployment benefits are calculated based on your highest earning quarter from your base period. The maximum weekly benefit is currently $999 per week, but most people don't get the max. They take your highest quarter earnings, divide by 26, then you get about 3.85% of that amount weekly.

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Thanks! So if I made around $13,000 in my highest quarter, that would be about $500 divided by 26... wait that doesn't seem right with the 3.85% thing?

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Sorry, let me clarify - it's your total base period wages divided by 52, then multiplied by 3.85%. So if your base period total was $45,000, you'd get about $33 per week... no wait, that's wrong too. Let me look this up properly.

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Washington ESD uses your highest earning quarter from your base period to calculate your weekly benefit amount. Your base period is typically the first 4 of the last 5 completed calendar quarters before you file. The maximum weekly benefit amount in Washington is $999 per week as of 2025, but most people don't get the max. You can get an estimate by taking your highest quarter earnings and dividing by 26, but there are other factors too.

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So if my highest quarter was maybe $7,000, I'd get around $270 a week? That would actually help a lot with rent.

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That's roughly right, but Washington ESD also looks at your total base period wages to make sure you meet the minimum requirements. You need at least $6,500 in total wages during your base period.

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The formula is actually simpler than people make it sound. Washington ESD takes your two highest quarters from your base period, adds them together, divides by 26. That's your weekly benefit amount, up to the $999 maximum. So if your two highest quarters totaled $26,000, you'd get $1,000/week... but that's over the max so you'd get $999.

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Wait, I thought it was 60% of your average weekly wage? I've been trying to calculate mine for weeks and getting different numbers every time.

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No, that's a different state. Washington has its own calculation method. The 60% thing might be from California or somewhere else.

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I was in the same boat last year, couldn't get through to Washington ESD on the phone to ask about my benefit amount. Spent literally hours trying to call them. Finally found this service called Claimyr that actually got me through to an agent in like 10 minutes. They have a website at claimyr.com and there's a demo video that shows how it works: https://youtu.be/7DieNd3C7zQ. The agent was able to explain exactly how they calculated my benefits.

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Never heard of Claimyr before. Does it actually work or is it just another scam? I'm desperate to talk to someone at Washington ESD.

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It's legit - they basically automate the calling process so you don't have to sit there hitting redial for hours. Worth it just to get actual answers about your claim.

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How much does it cost though? I'm already broke waiting for benefits to start.

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The calculation is pretty complicated tbh. I tried to figure it out myself and got confused. There's like a formula where they take your two highest quarters and do some math with it. Plus you have to have worked enough hours and earned enough money to qualify in the first place. Best bet is just to apply and see what they tell you.

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Yeah I'm probably overthinking it. I just don't want to go through the whole application process if I'm not going to get approved.

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Even if you're not sure, it's worth applying. The application process isn't that bad and you'll know for sure what you qualify for.

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The whole system is confusing AF!! I filed 3 weeks ago and still don't know my benefit amount. My claim shows 'pending' and when I try to do the benefit calculator on their website it gives me error messages. This is ridiculous.

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Same here! Been pending for 2 weeks with no explanation. How are we supposed to budget if we don't even know what we're getting?

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If your claim is pending, it might be in adjudication. That can delay everything including showing your benefit amount. You should get a determination letter once it's resolved.

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I was in a similar situation last year - part time work with inconsistent hours. I ended up getting $245 a week which was way more than I expected. The key thing is making sure you have enough qualifying wages in your base period. With your work history it sounds like you should qualify for something. Just make sure you can prove your wages with pay stubs or W-2s when you apply.

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That's encouraging! Did you have any trouble getting through to Washington ESD when you had questions about your claim?

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Oh man, calling them was a nightmare. I probably tried 50 times before getting through. Actually ended up using this service called Claimyr that helped me get connected to an actual person at Washington ESD. You can check it out at claimyr.com - they have a video demo too at https://youtu.be/7DieNd3C7zQ that explains how it works.

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From what I understand, most people in Washington get between $200-800 per week depending on their previous earnings. The $999 max is only for people who were making really good money - like $65k+ annually.

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That makes sense. I was making about $50k so I'm probably looking at maybe $600-700/week?

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Sounds about right for your income level. Just remember you'll have to pay taxes on it if you choose to have them withheld.

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Washington unemployment benefits are calculated using a pretty specific formula. They take your two highest earning quarters from your base period and use that to determine both your weekly benefit amount and your maximum benefit amount. The weekly amount is roughly 3.85% of your average quarterly wages, but there are minimums and maximums. The minimum weekly benefit is $295 and the maximum is $999 for 2025.

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Wow that's really detailed, thank you! So with my wages I'd probably be somewhere in the middle range then.

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Don't forget you also have to pay taxes on unemployment benefits. It's not as much as you think you're getting.

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Good point about taxes. You can choose to have taxes withheld from your unemployment payments or pay them when you file your tax return.

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i got like $380 a week when i was on unemployment but that was because i had a pretty good job before. the amount really depends on how much you were making before you lost your job. if you were only working part time you might not get as much but its still worth applying

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Yeah I figured it wouldn't be a huge amount but even $200-300 a week would help a lot right now.

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definitely apply then. worst case they say no but at least you'll know for sure

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Don't forget you can only collect for 26 weeks max in Washington, and you have to meet the job search requirements every week. Make sure you're keeping track of your work search activities or they'll cut you off.

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What exactly are the job search requirements? I know I need to look for work but how much proof do they want?

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You need at least 3 job search activities per week and keep detailed records. They can audit you anytime and if you can't prove it, you'll have to pay everything back.

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The Washington ESD website has a benefit calculator tool that can give you an estimate before you apply. It's not 100% accurate but it gives you a ballpark figure. You'll need to know your quarterly wages for the past year and a half or so. Also remember that you can work part-time while on unemployment and still collect benefits as long as you report your earnings correctly.

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Oh I didn't know about the calculator! I'll definitely check that out. And good to know about working part-time, I was wondering about that.

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The part-time work thing is tricky though. You have to report every penny you earn and they reduce your benefits accordingly. Sometimes it's barely worth it.

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True, but any extra income helps. Plus it shows you're actively looking for work which is required anyway.

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I've been on unemployment twice in the past 5 years and the amounts were pretty different each time depending on my work history. First time I got $420/week, second time only $285/week because I had been working a lower paying job. The system looks at your earnings over 4 quarters so if you had any periods of higher income that will help your benefit amount.

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That makes sense. My full-time job was definitely paying more so hopefully that quarter will boost my benefit amount.

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Just remember you also have to meet the work search requirements. You need to apply for jobs every week and keep a log of your job search activities.

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Whatever you do, don't try to game the system or lie about your wages. Washington ESD will find out and you'll have to pay back any overpayments plus penalties. I've seen people get hit with huge bills because they weren't honest on their applications. Better to get a smaller legitimate amount than risk fraud charges.

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Definitely planning to be completely honest. I have all my pay stubs and tax forms so I can document everything properly.

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Smart approach. The verification process is pretty thorough so honesty is definitely the best policy.

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Just a heads up - your first payment might be delayed even after you're approved. Mine took almost 4 weeks from filing to actually getting money in my account. Plan accordingly.

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4 weeks?! That's insane. How are people supposed to survive that long without income?

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Welcome to the wonderful world of government bureaucracy. I had to borrow money from family just to pay rent.

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The benefit amounts in Washington are actually pretty decent compared to other states. Plus you can collect for up to 26 weeks in most cases, longer if there are extended benefits available. Even if you only qualify for $250 a week, that's $6,500 over 26 weeks which is nothing to sneeze at when you're between jobs.

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That's a good way to think about it. $6,500 would definitely help me get back on my feet while I look for a better job.

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Plus you get help with job searching through WorkSource WA which is actually pretty useful. They have resume help and job fairs and stuff.

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The benefit amount really depends on when you worked too. They use a 'base period' which is usually the first 4 of the last 5 completed quarters before you filed. So if you filed in January 2025, they'd look at your wages from April 2023 through March 2024.

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Wait, so they don't count my most recent work? That seems backwards - my most recent job paid way more than what I was making a year ago.

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Exactly! It's frustrating. There's an alternate base period if you don't qualify with the regular one, but it's still not your most recent wages.

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I was skeptical about applying because I thought my part-time wages wouldn't qualify me for much, but I ended up getting $315 a week which was more than I was making at my part-time job! The application process was pretty straightforward once I got started. Just make sure you have all your employment information ready.

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That's really encouraging! I'm definitely going to apply this week. Did you have any issues with the online application system?

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The online system worked fine for me, but I know some people have had technical issues. If you run into problems, just keep trying or call for help.

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One thing to keep in mind is that it can take a few weeks to get your first payment after you apply. Make sure you have enough money to cover your expenses during that waiting period. Also, you have to file a weekly claim every week to keep getting benefits, even if you haven't found work yet.

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Good point about the waiting period. I should probably apply soon so I don't run out of savings completely.

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Yeah the waiting period can be tough. I think it's usually 2-3 weeks before you see your first payment.

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If you're having trouble getting through to Washington ESD by phone to ask questions about your benefit amount or claim status, I had good luck with Claimyr. It's a service that helps you get connected to actual ESD representatives without sitting on hold forever. Really saved me a lot of frustration when I needed to talk to someone about my claim.

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I've heard about that service from someone else in this thread. Might be worth looking into if I have issues.

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How much does something like that cost? Is it worth it?

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It's definitely worth it when you need to actually talk to someone at ESD. Way better than spending hours trying to get through on your own.

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I tried using that Claimyr thing someone mentioned earlier and it actually worked. Got through to Washington ESD in about 15 minutes instead of the usual 2+ hours of busy signals. The agent confirmed my weekly benefit amount and explained why it was calculated that way. Definitely worth it if you're stuck.

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Did they charge you anything extra or try to upsell other services?

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Nope, just helped me get through to the actual Washington ESD agent. The agent was the one who answered all my questions about benefits.

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For what it's worth, I was making $4,500/month and my weekly benefit came out to $847. So your estimate of $600-700 for $4,200/month sounds reasonable.

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That's really helpful, thanks! Did you have any issues with the initial claim processing?

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Mine went pretty smoothly actually. Filed online, got approved in about 10 days, first payment came 2 weeks after that.

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Make sure you file for the waiting week too even though you won't get paid for it. I didn't know about that and it delayed my whole claim by a week.

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Washington eliminated the waiting week in 2020 actually. You should get paid for your first week now.

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Oh really? That's good news! I filed mine in 2019 so that explains the confusion.

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Pro tip: sign up for direct deposit if you can. The debit cards they send are unreliable and have fees. Direct deposit is faster and free.

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Good to know! I'll make sure to set that up when I file my claim.

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Yeah those ESD debit cards are terrible. Mine got declined at grocery stores multiple times even with money on it.

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Don't stress too much about the exact amount until you actually file and get your determination letter. The online calculators are just estimates and often wrong anyway.

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You're right, I'm probably overthinking it. I'll just file the claim and see what happens.

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Exactly! And if the amount seems wrong, you can always call Washington ESD to verify... or use that Claimyr service to actually get through to them.

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One thing nobody mentioned - if you have any severance pay or vacation payout, that might affect when your benefits start. Washington ESD considers that wages even if you're not actually working.

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I did get 2 weeks severance. Will that delay my benefits completely or just push back the start date?

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It usually just pushes back the start date. So if you got paid for 2 weeks of severance, your benefits would start 2 weeks later.

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The frustrating thing is that even after you know your benefit amount, you still have to certify every week and they can deny individual weeks for random reasons. I've had weeks denied because I 'didn't look for work enough' even though I applied to 5 jobs.

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That's scary! How specific do you have to be in the work search log?

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Very specific. Company name, position, date applied, method of application. And keep screenshots or emails as proof.

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Bottom line: expect somewhere between $400-800/week based on your previous income, but don't count on getting it immediately. File as soon as possible and be prepared to wait.

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Thanks everyone for all the info! This has been super helpful. I'll file my claim this weekend.

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Good luck! The process is annoying but once you get through it, the benefits really help bridge the gap while job hunting.

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Bottom line is you won't know exactly how much you'll get until you apply and they process your claim. The estimates are helpful but the actual calculation involves a lot of factors. Given your work history it sounds like you should qualify for something decent. Don't let uncertainty stop you from applying - worst case scenario they say no and you're in the same position you are now.

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You're absolutely right. I'm going to stop overthinking it and just apply. Thanks everyone for all the helpful information!

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Good luck with your application! Hope you get approved for a good amount.

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