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Drew Hathaway

How much does unemployment pay in Washington - what to expect from weekly benefits?

I'm thinking about filing for unemployment for the first time and trying to figure out if it's even worth it financially. I was making about $4,200 a month at my last job before getting laid off. Does anyone know roughly how much Washington ESD pays per week? I've heard it's based on your previous wages but I can't find clear info on their website about actual dollar amounts. Also wondering if there are any taxes taken out automatically or if I need to handle that myself.

Washington unemployment benefits are calculated as roughly 1/2 of your average weekly wage, up to a maximum weekly benefit amount. For 2025, the max is around $999 per week. Since you were making about $4,200/month ($970/week), you'd probably get close to $485 per week in benefits. You can request 10% federal tax withholding when you file your weekly claims.

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Thanks! $485 would actually help a lot with my rent and bills while I'm job hunting. Do I need to provide pay stubs or will Washington ESD verify my wages automatically?

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Washington ESD gets your wage info directly from employers through quarterly reports, so you usually don't need pay stubs unless there's an issue with verification.

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Just be aware that it can take FOREVER to actually get your first payment. I filed 3 weeks ago and my claim is still in adjudication. The website shows my weekly benefit amount but I haven't received a dime yet.

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Ugh same here! Been waiting for my adjudication to clear for over a month. I keep calling the Washington ESD number but can never get through.

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If you're having trouble reaching Washington ESD by phone, I found this service called Claimyr (claimyr.com) that helps you get through to an agent. They have a video demo at https://youtu.be/7DieNd3C7zQ showing how it works. Saved me hours of calling.

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Interesting, I'll check that out. At this point I'm desperate to talk to someone about my claim status.

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The benefit calculation uses your highest earning quarter from the base period, which is usually the first 4 of the last 5 completed quarters before you file. So if you just got laid off, they'll look at wages from about 15 months ago to 3 months ago. If your recent job paid significantly more than previous jobs, you might get less than expected.

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Oh wow, I didn't know it went back that far. My previous job before this one paid way less, so that might affect my benefit amount.

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Exactly. That's why some people are surprised when their weekly benefit amount is lower than they calculated based on their most recent job.

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wait what?? i thought it was based on your last job. this is confusing

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Don't forget you have to do job searches every week to keep getting benefits. It's like 3 job contacts per week minimum and you have to log them in the system. Pain in the butt but necessary.

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Good point, I forgot about the job search requirement. Is it hard to find 3 legitimate job opportunities to apply for each week?

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Not really if you're actually looking for work. You can count applications, networking contacts, job fairs, even some training activities. Just keep good records.

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I get $542 per week and was making about $60k annually before getting laid off in December. The amount seems about right based on what others have said about the 50% calculation.

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That's helpful context, thanks! Did your first payment come pretty quickly or did you have delays?

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I got lucky and my claim was approved within a week. No adjudication issues since my layoff was straightforward. Payments started about 10 days after filing.

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You're so lucky! I wish mine had gone that smoothly.

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Just wanted to update - I tried that Claimyr service someone mentioned and actually got through to a Washington ESD agent today! Found out my adjudication delay was because they needed additional verification from my employer. Agent said it should clear within a few days now.

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Great to hear it worked for you! That's exactly the kind of issue that can drag on for weeks if you can't reach someone to explain what's needed.

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Good to know there's a way to actually talk to someone when problems come up. I'll keep that in mind if I run into issues.

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The washington esd benefit calculator on their website is pretty accurate if you know your wages from the base period. I used it before filing and my actual weekly amount was within $20 of the estimate.

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I'll look for that calculator, thanks. Better to have realistic expectations going in.

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One thing to remember is that unemployment benefits are taxable income. You'll get a 1099-G at the end of the year. I learned this the hard way and owed taxes because I didn't plan for it.

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Yeah someone mentioned the 10% withholding option earlier. I'll probably do that to avoid a big tax bill later.

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Smart move. You can change your withholding election anytime during your claim period if needed.

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just fyi the max benefit amount changes every year based on average wages in the state. for 2025 its $999/week but it was lower in previous years

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Good to know it adjusts annually. $999 max seems pretty reasonable for Washington's cost of living.

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I've been on unemployment twice in the past 5 years and the process has gotten much better. The online system is way more user-friendly now and payments come faster than they used to. Still not perfect but definitely improved.

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That's encouraging to hear. I was worried about horror stories from the pandemic era.

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Maybe for some people but my experience hasn't been smooth at all. Still waiting on my claim approval.

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Sorry to hear that. Adjudication issues definitely still cause delays for some people unfortunately.

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The weekly certification process is pretty straightforward. Just answer a few questions about whether you worked, looked for work, and were available. Takes like 2 minutes online.

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That sounds manageable. I was imagining something more complicated.

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Watch out for overpayment notices if you make any mistakes on your weekly claims. Washington ESD is pretty strict about recovering money if you report something wrong, even accidentally.

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Noted. I'll be extra careful about accuracy when filling out the weekly certifications.

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Yeah just be honest about any work or income. It's better to report everything and potentially get reduced benefits than to face an overpayment later.

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You mentioned making $4200/month - just make sure that was gross pay not net when you're thinking about the benefit calculation. Washington ESD uses gross wages for the calculation.

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Yes that was gross. Net was more like $3100 after taxes and insurance. Thanks for the clarification.

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If you end up having issues reaching Washington ESD customer service, I had success with Claimyr too. Worth trying if you get stuck in the phone queue hell that everyone talks about.

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Seems like a few people have had good experiences with that service. I'll keep it as a backup option.

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The system will automatically calculate your benefit amount once you file and complete the initial claim. You don't have to figure it out yourself - they'll show you the weekly amount before you certify your first week.

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Perfect, that takes some pressure off. I was stressing about getting the calculation wrong.

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been on unemployment 6 months now (tech layoffs suck) and the payments have been consistent once my claim got approved. direct deposit comes every tuesday like clockwork

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Sorry about the layoff but good to hear the payments are reliable once everything is set up.

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yeah it definitely helps with stability while job hunting. just make sure to keep detailed records of your job search activities

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One last tip - if you have any questions about eligibility or your specific situation, Washington ESD has some good FAQ pages on their website. Not always easy to find but worth checking before calling.

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Thanks for all the helpful info everyone! I feel much more confident about filing now. Sounds like $485/week would definitely help while I look for a new job.

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Glad we could help! The process isn't as scary as it seems once you understand the basics.

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Just remember that there's a one week waiting period before you can receive benefits, so your first payable week won't actually pay out until your second certification. Plan accordingly for that gap.

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Oh I didn't know about the waiting week. Good thing I have a little savings to cover that first week gap.

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