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MidnightRider

How much is unemployment benefit amount in Washington ESD - confused about calculation

I'm trying to figure out how much unemployment I'll get from Washington ESD but I'm getting confused by all the calculations. I made about $52,000 last year working retail management. When I look at the Washington ESD website it talks about base year wages and benefit calculations but honestly I don't understand how they figure it out. Does anyone know roughly what I should expect? I need to know for budgeting since I just got laid off last week.

Washington ESD calculates your weekly benefit amount based on your highest earning quarter during your base year. For someone making $52k annually, you're probably looking at somewhere between $400-600 per week depending on how your earnings were distributed. The maximum weekly benefit in Washington is currently $999 but most people don't hit that.

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That's actually higher than I expected! How do they determine which quarter counts as the highest?

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They look at the first four of the last five completed calendar quarters before you filed. So if you filed in January 2025, they'd look at quarters from January 2024 through September 2024.

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I was making around the same and got $487 per week from Washington ESD. But it took forever to get approved because my claim went into adjudication for like 6 weeks. The waiting was worse than the actual amount.

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6 weeks in adjudication?? That's terrifying. Why did it take so long?

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They said there was an issue with my separation reason but never explained what. I tried calling Washington ESD like 200 times but could never get through.

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This is exactly why I used Claimyr when my claim got stuck. They have this system that automatically calls Washington ESD for you until they get through to an actual person. Saved me so much stress - you can check it out at claimyr.com and they even have a demo video at https://youtu.be/7DieNd3C7zQ showing how it works.

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The formula is pretty straightforward once you understand it. Washington ESD takes your highest quarter wages, divides by 13, then applies a percentage based on your total base year earnings. Most people get around 50-60% of their average weekly wage up to the maximum.

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So if I made $13,000 in my best quarter, that would be $1,000 per week average, and I'd get maybe $500-600?

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Exactly, though there are some additional factors like dependents allowances that can increase it slightly.

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honestly the amount doesn't matter if you can't actually GET the benefits. I've been waiting 2 months for my Washington ESD claim to process and I'm about to lose my apartment. The system is completely broken.

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Have you tried reaching out through your state representative? Sometimes they can help push things along.

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I didn't know that was an option. At this point I'll try anything.

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For what it's worth, I found the Washington ESD benefit calculator on their website pretty accurate. It gave me an estimate within $20 of what I actually received.

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I tried using that but it kept asking for quarters and base year info that I don't have memorized.

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You can find all that info in your eServices account once you create one. It shows your wage history.

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Just a heads up - even if you qualify for a decent amount, remember you have to pay taxes on unemployment benefits. I learned that the hard way at tax time.

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Wait, unemployment is taxable? I had no idea!

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Yes, it's considered income. You can have taxes withheld automatically or pay quarterly. Washington state doesn't have income tax but you still owe federal.

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The amount varies so much person to person. I was making $45k and only got $380/week because my earnings were inconsistent throughout the year. Really depends on your specific situation.

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That's frustrating. I worked pretty steady hours so hopefully that helps.

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One thing that helped me was actually talking to a Washington ESD representative to make sure I understood everything correctly. Like I mentioned before, I used Claimyr to get through their phone system since it's impossible to reach them normally. The rep explained exactly how my benefits were calculated and caught an error that increased my weekly amount by $75.

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An error that cost you $75 per week? That's huge over the course of months.

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Exactly! It was worth the effort to actually speak with someone who knew what they were doing.

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Don't forget about the job search requirements too. You need to be actively looking and documenting your search to keep getting benefits, regardless of the amount.

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How many jobs do you have to apply for per week?

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It's usually 3 job search activities per week, but they can be applications, networking, job fairs, etc. Not just applications.

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I think the maximum right now is $999/week but you'd have to be making like $130k+ to qualify for that much. Most regular folks get somewhere in the $300-600 range.

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Yeah I definitely wasn't making $130k in retail! $400-500 sounds more realistic for my situation.

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Just make sure you file your weekly claims on time every week. Missing even one can mess up your payments and create headaches with Washington ESD.

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When do you have to file by each week?

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You can file starting Sunday for the previous week, and it's due by Saturday night. I always do mine on Sunday morning to avoid forgetting.

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The waiting week thing threw me off at first too. You don't get paid for your first week of unemployment in Washington, so factor that into your planning.

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So even if I file this week, I won't get paid for this week?

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Correct, the first week is unpaid. It's called a waiting week and every state has it.

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My advice is don't count on getting the maximum possible amount when you're budgeting. Better to be pleasantly surprised than come up short on bills.

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Good point. I'm hoping for around $450 but planning for less just in case.

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has anyone had issues with the amount changing after they started receiving benefits? Mine went down randomly in week 4 and I never got an explanation

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That usually happens if they discover additional wages or if there's an issue with your continued eligibility. You should have received a notice explaining the change.

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I never got any notice which is why I'm confused. Maybe I should try calling them.

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Definitely call them about that. If regular calling doesn't work, Claimyr can help you actually get through to someone who can explain what happened.

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The whole system is confusing but at least Washington pays more than a lot of other states. I have friends in other places getting like $200/week maximum.

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That's true, I should be grateful. $400-500 is at least enough to cover my rent.

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Make sure you understand how working part-time affects your benefits too. You can work a little and still collect, but they reduce your benefit amount based on what you earn.

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I was thinking about picking up some part-time work. How much can you make before it affects your benefits?

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In Washington you can earn up to your weekly benefit amount before they start reducing it dollar for dollar. So if you get $500/week, you can earn up to $500 without any reduction.

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The calculation seems complicated but Washington ESD does most of the work for you. Once your claim is approved you'll see exactly what you're getting each week.

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I hope the approval doesn't take too long. Some people are saying weeks or months.

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If you're really worried about the timeline, document everything from day one. Keep copies of your application, any correspondence, and notes about when you filed. Makes it easier to follow up if there are delays.

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That's smart advice. I'll start keeping a folder with everything.

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Bottom line - you won't know for sure until Washington ESD processes your claim, but based on your salary you should be looking at $400-600 per week assuming everything goes smoothly with your application.

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Thanks everyone for all the helpful info. I feel much more prepared now about what to expect.

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Good luck with your claim! Hope it processes quickly for you.

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