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How much is unemployment benefit amount in Washington ESD - what can I expect?

I'm about to file for unemployment for the first time and honestly have no idea how much money I'll actually get from Washington ESD. I've been making $4,200 a month at my job for the past two years. Does anyone know how they calculate the weekly benefit amount? I'm trying to figure out if I can cover my rent and bills while I'm looking for work. The Washington ESD website has all these formulas but I can't make sense of them.

Washington ESD calculates your weekly benefit amount based on your highest earning quarter from your base period. The maximum weekly benefit amount for 2025 is $999 per week. With your income level, you should qualify for a decent amount. They take your highest quarter earnings, divide by 26, then multiply by 0.0385 to get your weekly benefit.

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That sounds complicated but helpful. So if I made around $12,600 in my highest quarter that would be about $485 per week?

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That sounds about right, but you should check your exact base period earnings on your Washington ESD account to be sure.

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The weekly benefit calculation is confusing but the real issue is actually getting through to Washington ESD to file your claim properly. I spent 3 weeks trying to call them before I found out about claimyr.com - they actually got me connected to an agent in under 10 minutes. There's a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Really? I was dreading having to call them. How does that service work exactly?

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They basically handle the calling and waiting for you, then connect you when an agent is available. Super easy to use and saved me tons of frustration.

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Sounds too good to be true but I might try it if I can't get through the normal way.

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just filed last month and got approved for $847 a week which is pretty close to the max. took about 3 weeks to get my first payment but once it started coming it was regular. make sure you have all your employment history ready when you file

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Wow that's a good amount! What was your previous salary if you don't mind me asking?

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was making about $95k annually in tech. the benefit calculation worked out well for me since I had consistent high earnings

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The Washington ESD benefit calculator is based on your wages during the first four of the last five completed calendar quarters before you file. This is called your base period. They look at your total wages during that period and your highest quarter to determine both your weekly benefit amount and total benefit entitlement. You can receive benefits for up to 26 weeks in most cases.

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So if I file in January 2025, they'd look at wages from January 2024 through December 2024?

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Not exactly - they'd look at the first four of the last five completed quarters. So if you file in January 2025, your base period would likely be July 2023 through June 2024.

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This is why I hate the unemployment system - why can't they just use your most recent earnings like normal people would expect?

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I think there's also a minimum benefit amount too. Even if your calculations come out really low, Washington ESD has a minimum weekly benefit of around $295 per week. But with your income level you shouldn't have to worry about that.

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Good to know there's a safety net at least. Hopefully I won't need it but it's reassuring.

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DONT FORGET you have to pay taxes on unemployment benefits! They don't automatically withhold federal taxes unless you request it. I learned this the hard way and owed a bunch at tax time. You can have them withhold 10% for federal taxes when you file your weekly claims.

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Oh wow I didn't even think about taxes. Thanks for the heads up!

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Yes, unemployment benefits are considered taxable income. You'll get a 1099-G form at the end of the year.

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Update: I tried calling Washington ESD this morning and the line was busy for 2 hours straight. Might have to try that Claimyr thing someone mentioned earlier. This is already more frustrating than I expected.

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Yeah the phone lines are impossible. Claimyr definitely helped me avoid that headache. Worth checking out their demo video.

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I've been trying to call for a week now. Same experience - always busy or they hang up after hours of waiting.

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One more thing about benefit amounts - if you worked part-time while collecting unemployment, they'll reduce your weekly benefit. You can earn up to 25% of your weekly benefit amount without any reduction, but anything over that gets deducted dollar for dollar from your benefit.

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So if I get $500 per week, I could earn up to $125 without losing any benefits?

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Exactly. It's designed to encourage people to take part-time work while job searching.

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be careful about the job search requirements too. you have to apply for 3 jobs per week and keep a log of your job search activities. they can ask to see this anytime and if you dont have it they can disqualify you

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Three jobs per week sounds manageable. Do they specify what counts as a job search activity?

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Job applications, networking events, career fairs, informational interviews, and updating your resume all count toward the requirement.

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The whole system is designed to be confusing and make people give up. Half the time their website doesn't work properly and you can't even file your weekly claim. Then they threaten to cut off your benefits if you miss a week. It's ridiculous.

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I feel your frustration but complaining doesn't help anyone figure out their benefit amount.

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Fair point, just venting because the system is so broken.

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Quick question - does anyone know if overtime pay counts toward the benefit calculation? I worked a lot of overtime last year.

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Yes, all wages including overtime are included in the base period calculation. Overtime can actually help increase your weekly benefit amount.

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Great! That should help my numbers then.

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For what it's worth, I used that Claimyr service last month when I couldn't get through to resolve an issue with my claim. Cost me a bit but saved me literally days of trying to call. Sometimes it's worth paying for convenience when you need your benefits sorted out quickly.

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How much did it cost if you don't mind me asking?

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I'd rather not get into specific pricing but it was reasonable considering the time and stress it saved me. Check their website for current rates.

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also make sure you file your claim as soon as possible after you lose your job. benefits don't go back to when you lost your job, they start from when you file the claim. i waited 2 weeks thinking i might find something quick and lost out on those benefits

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Good point. I'll file this week even though I'm still hoping to find something soon.

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The benefit amount also depends on why you lost your job. If you were fired for misconduct or quit without good cause, you might not qualify at all. Make sure you have your termination paperwork ready when you file.

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I was laid off due to budget cuts so I should be fine on that front.

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Layoffs are usually straightforward for qualification. You should be good to go.

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don't forget about the waiting week either. your first week of unemployment is unpaid even if you qualify. so if you normally get paid weekly, you'll actually go 2 weeks without income before your first unemployment check arrives

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Ugh, that's going to be tight financially. Thanks for warning me though.

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yeah it sucks but just plan for it and you'll be fine

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I've been on unemployment for 3 months now and the weekly filing is pretty straightforward once you get used to it. Just make sure you file every week even if you haven't heard back about your initial claim yet. Missing weekly filings can mess up your benefits.

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How long did it take for your claim to get approved?

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About 4 weeks for me but that was during a busy period. Could be faster now.

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Anyone know if commission payments count toward the benefit calculation? I had a mix of salary and commission at my last job.

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Commission payments are included as wages for benefit calculation purposes, as long as they were reported on your W-2.

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Perfect, that should help my benefit amount significantly.

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Just want to add that if you're not sure about your benefit amount, you can create an account on the Washington ESD website and it should show you an estimate once you start the application process. Might be easier than trying to calculate it yourself.

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That's a great suggestion. I'll try that before calling them.

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One last tip - if your benefit amount seems wrong when you get your determination letter, you can appeal it. Sometimes they miscalculate wages or use the wrong base period. You have 30 days to appeal if you think there's an error.

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Good to know. Hopefully I won't need to deal with appeals but it's useful information.

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Appeals are actually pretty common and often successful when there are genuine errors. Don't be afraid to challenge it if something looks wrong.

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Thanks everyone for all the helpful information! This thread has been way more useful than the Washington ESD website. I feel much more confident about filing now.

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Glad we could help! Good luck with your claim.

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Remember about Claimyr if you run into issues getting through to them. It really does work.

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