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Mohammad Khaled

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

I'm thinking about filing for unemployment but need to know if it's even worth it financially. Does anyone know what the current weekly benefit amounts are in Washington state? I was making about $52,000 annually before getting laid off from my tech support job. Also wondering about the maximum weekly benefit - is there a cap on how much you can receive? I've heard different numbers thrown around and want to get the real facts before I start the application process on the Washington ESD website.

Washington ESD calculates your weekly benefit amount based on your earnings in your base year. The maximum weekly benefit for 2025 is $999, but most people don't get the max. They take your highest earning quarter from your base year, divide by 26, then that's roughly your weekly amount. With your $52k salary, you'd probably qualify for somewhere around $400-500 per week depending on when you worked.

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That's actually better than I expected! Do you know if that amount includes the additional federal benefits or is that just the state portion?

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That's just the regular state UI benefit. There aren't any additional federal programs running right now like there were during COVID.

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The formula is confusing but basically Washington ESD looks at your base year earnings. Your base year is usually the first 4 of the last 5 completed calendar quarters before you file. So if you file now in 2025, they'd look at Q1 2024 through Q4 2024. They need your total wages to be at least $3,850 in your base year to qualify.

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I definitely made more than $3,850 last year so that shouldn't be an issue. How long does it take to find out your actual benefit amount?

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Usually you'll see your monetary determination within a week or two of filing your initial claim. It shows your weekly benefit amount and how many weeks you can collect.

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I just went through this process and honestly the hardest part wasn't figuring out the benefit amount - it was actually getting through to Washington ESD to ask questions about my claim. I spent hours calling and either got busy signals or sat on hold forever. Finally found this service called Claimyr (claimyr.com) that helps you get through to ESD agents. They have a video demo at https://youtu.be/7DieNd3C7zQ showing how it works. Made such a difference in getting answers about my specific situation.

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Never heard of that service before. Did they charge you a lot to help with calling?

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They focus on helping you reach agents rather than charging fees. The value was just being able to talk to someone at ESD without the usual phone tag nightmare.

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Interesting, I might need to check that out. I've been trying to reach ESD for weeks about my adjudication.

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Don't forget you can only collect benefits for a maximum of 26 weeks in Washington unless there's some special extended benefits program running. And you'll need to file weekly claims every week to actually receive payments. Miss a week and you don't get paid for that week.

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Good point about the weekly claims. Is there a specific day of the week I need to file or can I do it anytime?

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You can file your weekly claim starting Sunday for the previous week. Most people do it Sunday or Monday to avoid any delays.

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The benefit calculator on the Washington ESD website is pretty accurate if you want to estimate before filing. Just remember that your benefit amount is based on your gross wages, not take-home pay. And they'll withhold taxes if you request it, which I'd recommend doing.

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Should I definitely have them withhold taxes? I don't want to owe a bunch at tax time.

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Yeah, unemployment benefits are taxable income. Better to have them take out 10% federal tax now than deal with a big tax bill later.

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Just a heads up - even if you qualify for benefits, there's often a waiting period before you start receiving payments. Mine took about 3 weeks from filing to getting my first payment, and that was without any complications.

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Three weeks? That's longer than I hoped. Did you have any issues with adjudication or anything?

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No adjudication issues, just the normal processing time. Some people get their first payment faster, some take longer depending on their situation.

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I'm collecting unemployment right now and getting $456 per week. I was making about $48,000 before I got laid off. The amount seems fair based on what I was earning. Just make sure you're actively looking for work and keeping track of your job search activities because they do audit that stuff.

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How many job contacts do you need to make each week in Washington?

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You need at least 3 job search activities per week. Can be applications, networking, interviews, job fairs, etc. Keep good records!

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And register with WorkSource Washington if you haven't already. That's a requirement for most claimants.

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One thing nobody mentions is that if you work part-time while collecting unemployment, they'll reduce your weekly benefit dollar for dollar after you earn more than your weekly benefit amount. So if your benefit is $400 and you earn $500 in a week, you'd get $0 in unemployment that week.

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That's good to know. What if I only work a few hours and make less than my weekly benefit amount?

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Then you'd still get some unemployment, just reduced by what you earned. You have to report all earnings on your weekly claim.

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Been on unemployment twice in the past 5 years. The benefit amount calculation can be confusing but Washington ESD is pretty good about explaining it in your monetary determination letter. The key is making sure you have enough earnings in your base year and that you're genuinely unemployed through no fault of your own.

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I was laid off due to company downsizing so that shouldn't be an issue. Thanks for all the helpful info everyone!

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Just file your claim as soon as possible. Benefits are effective the week you file, not the week you became unemployed. So if you wait a month to file, you lose a month of potential benefits. The sooner you start the process, the sooner you'll know your exact benefit amount.

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Good point, I'll file this week. Better to get the process started even if I'm not sure about all the details yet.

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Exactly. You can always ask questions later, but you can't backdate your claim to get benefits for weeks before you filed.

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The Washington ESD website has a benefit calculator tool that's pretty accurate. Plug in your wages from last year and it'll give you a good estimate. Just remember the numbers can vary slightly based on exactly which quarters they use for your base year calculation.

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I'll definitely check out that calculator. Thanks for the tip!

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Update on the Claimyr service I mentioned earlier - I ended up using them again when I had questions about my job search requirements. Really streamlined the process of reaching an actual ESD representative. Worth checking out if you run into any issues that need clarification from an agent.

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I've been trying to reach ESD for two weeks about my adjudication status. Might have to look into this Claimyr thing.

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Yeah, adjudication questions are exactly the type of thing where talking to an agent makes a huge difference. Way better than guessing what's going on with your claim.

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Don't forget that unemployment benefits are subject to the federal $10,200 tax exclusion that was implemented for 2020 tax year, but I'm not sure if that's still in effect for 2025. Worth checking with a tax professional.

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That exclusion was only for 2020 due to COVID. Unemployment benefits are fully taxable for 2025.

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Thanks for the correction! Good to know it's back to being fully taxable.

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The maximum weekly benefit in Washington is actually pretty generous compared to other states. $999 is on the higher end nationally. Even if you don't get the maximum, the benefits should help bridge the gap while you're job searching.

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That's reassuring. I was worried it would be like $200 a week or something barely worth the hassle.

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No, Washington's unemployment benefits are decent. Should be enough to cover basic expenses while you look for new work.

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Make sure you understand the difference between your weekly benefit amount and your maximum benefit amount. Your weekly amount is what you get each week, but your maximum is the total you can collect over the entire claim period. Usually it's 26 times your weekly amount.

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So if my weekly amount is $400, my maximum would be around $10,400 total?

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Exactly, assuming you're eligible for the full 26 weeks of benefits.

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I had a friend who used that Claimyr service mentioned earlier when she couldn't figure out why her benefits stopped. Turned out there was an issue with her job search documentation that she never would have known about without talking to an agent. Sometimes you really need that human contact to resolve problems.

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Good to know there are options for getting help when the online system isn't enough.

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Yeah, the ESD website is pretty good but sometimes you need to talk to a real person to get clarity on your specific situation.

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One last thing - if you're not sure about your base year earnings, you can request a wage transcript from Washington ESD. Sometimes employers don't report wages correctly and it can affect your benefit calculation. Better to check early than find out later you're getting underpaid.

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How do you request a wage transcript? Is that something I can do online?

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Yeah, you can request it through your ESD account online. It shows all the wages that employers reported under your Social Security number.

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Bottom line - with your $52k salary, you should qualify for a decent weekly benefit amount. Probably somewhere in the $400-500 range based on what others have shared. Just file your claim and get the process started. The exact amount will be in your monetary determination letter.

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Thanks everyone for all the detailed information. This has been incredibly helpful in understanding how Washington unemployment benefits work!

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glad this thread helped! unemployment can be confusing but once you get through the initial filing process it's pretty straightforward. good luck with your claim!

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Appreciate all the support and advice from everyone here. Feeling much more confident about moving forward with filing.

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