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Miguel Ramos

How much is unemployment payment in Washington - what should I expect?

I'm about to file my first unemployment claim with Washington ESD and honestly have no idea what to expect for payment amounts. I was making $52,000 a year at my last job before getting laid off. Does anyone know how they calculate the weekly benefit amount? I've looked at the Washington ESD website but it's confusing with all the formulas and base periods. Just want to know roughly what I might get so I can budget accordingly.

Washington ESD calculates your weekly benefit amount based on your highest earning quarter in your base period. For someone making $52k annually, you're probably looking at somewhere between $350-450 per week, but it depends on how your earnings were distributed throughout the year. The maximum weekly benefit in Washington is currently $999.

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That's actually better than I expected! Do you know if they look at gross or net income when calculating?

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They use gross wages reported by your employer, so before taxes and deductions.

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I make about the same as you and my weekly benefit is $389. But getting through to Washington ESD to actually file your claim is the real challenge - their phone lines are constantly busy and the website crashes all the time.

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Oh no, I was hoping the system would be better by now. How long did it take you to get through?

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Took me three weeks of calling every morning before I could even submit my initial claim.

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If you're having trouble reaching Washington ESD by phone, I had success using Claimyr recently. It's a service that helps you get through to an actual agent without sitting on hold for hours. Check out claimyr.com - they have a demo video at https://youtu.be/7DieNd3C7zQ that explains how it works. Made the whole process so much easier.

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Never heard of that before but anything's better than spending my whole day redialing Washington ESD.

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Is that legitimate? Sounds too good to be true honestly.

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Yeah it's real, I was skeptical too but it actually worked. Got connected to a Washington ESD rep in about 20 minutes instead of never getting through on my own.

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The payment calculation is based on your base period which is usually the first four of the last five completed calendar quarters before you file. So if you file now in January 2025, they'll look at your wages from January 2024 through December 2024. Your weekly benefit is roughly 3.85% of your average quarterly wages during that period.

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Thanks for the detailed explanation! That formula actually makes sense now.

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Wait so if I got a big raise recently that won't count toward my benefit amount?

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Correct, only wages from your established base period count. Recent pay increases won't be reflected in your current claim.

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Just remember you have to pay taxes on unemployment benefits. A lot of people forget that and get hit with a big tax bill the following year. You can choose to have taxes withheld or pay quarterly estimated taxes.

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Good point, I hadn't thought about taxes. What percentage do they usually withhold?

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Federal is 10% and Washington doesn't have state income tax, so just the 10% federal withholding if you choose it.

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ugh the whole washington esd system is such a nightmare. been trying to get through for two weeks just to ask a simple question about my claim status. the automated system hangs up on you half the time

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Same experience here. The system is completely overwhelmed.

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That's exactly why I ended up using Claimyr - the regular phone system is basically unusable during peak times.

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Your benefit amount also depends on whether you qualify for the maximum duration. In Washington you can get up to 26 weeks of regular unemployment benefits, but that's only if you have sufficient wage credits in your base period.

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How do I know if I have sufficient wage credits? I worked the full year at my last job.

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If you worked full time for a year you should definitely qualify for the maximum 26 weeks. Washington ESD will tell you your exact entitlement when they process your claim.

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Don't forget about the job search requirements! You have to apply for at least 3 jobs per week and keep a log. They can audit you at any time and if you don't have proper documentation they'll stop your benefits.

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What kind of documentation do they want for the job search log?

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Company name, position, date applied, how you applied (online, in person, etc). Keep screenshots of applications if possible.

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I just keep a simple spreadsheet with all that info. Makes it easy to reference when filing weekly claims.

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The weekly benefit calculation can vary a lot depending on your work history. I made $48k and only get $312 per week because my hours were inconsistent during my base period. Having steady full-time work helps your benefit amount significantly.

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That's a big difference from what others are getting. The inconsistent hours thing is good to know.

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Make sure you file your weekly claims every week even if your initial claim is still being processed. I made the mistake of waiting and lost out on two weeks of benefits that I couldn't get back.

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Good tip! When do the weekly claims need to be filed by?

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You have to file by the end of the week you're claiming benefits for. Don't wait until the following week or you'll miss the deadline.

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Been on unemployment twice in Washington and the amount is decent but getting through their system is always a headache. Last time I used some calling service - claimyr I think - and it actually got me connected to a real person at Washington ESD within an hour instead of days of trying.

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How much did that cost? Seems like you'd eat into your benefit money paying for help.

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Worth every penny when you consider how much time and frustration it saved me. Plus if you can't get through to file your claim you're losing way more money.

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The payment timing is also important to know. Once your claim is approved and you start filing weekly claims, payments usually arrive 2-3 business days after you file. Washington ESD pays by direct deposit or debit card.

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Is direct deposit faster than the debit card option?

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Direct deposit is usually faster and more reliable. The debit card can have fees and sometimes delays.

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Just filed my claim last month. Making $50k got me $402 per week. The calculation seems pretty consistent if you have steady employment history. The hardest part was definitely getting through to Washington ESD initially.

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That's right in the range others mentioned. Makes me feel more confident about what to expect.

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Don't expect your first payment right away. There's usually a waiting period and processing time. Mine took about 3 weeks from filing to receiving my first payment, even though my claim was straightforward.

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Three weeks seems like a long time. Is that normal?

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Unfortunately yes, especially if there are any questions about your claim. Budget accordingly because it's not immediate.

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The whole system needs an overhaul. I've been trying to get through to ask about my adjudication status for weeks. At this point I'm considering that claimyr service people mentioned just to talk to someone.

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Definitely recommend it if you need to reach someone about adjudication issues. That's exactly the kind of situation where it's worth using a service to get through.

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Your benefit amount stays the same throughout your claim period unless your circumstances change significantly. So once Washington ESD calculates your weekly amount, that's what you'll get each week as long as you're eligible.

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That's good to know for budgeting purposes. At least it's predictable once it's established.

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One thing to watch out for is partial unemployment. If you take a part-time job while collecting benefits, Washington ESD has specific rules about how much you can earn before it affects your weekly payment. Usually you can earn up to your weekly benefit amount before they start reducing payments.

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That's helpful to know. So working part-time doesn't automatically disqualify you?

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No, but you have to report all earnings when you file your weekly claims. They'll adjust your payment accordingly.

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The key is getting your initial claim filed correctly. If there are any issues or missing information, it goes into adjudication and can delay everything by weeks or months. Make sure you have all your employment history and documentation ready before you start.

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What kind of documentation should I gather before filing?

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Pay stubs, W-2s, employer contact information, dates of employment, and the reason for job separation. Having everything organized upfront saves time later.

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Bottom line - with your salary range you're looking at probably $375-425 per week if everything goes smoothly. The challenge is just navigating Washington ESD's system to get there. Good luck!

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Thanks everyone for all the helpful information! This gives me a much better idea of what to expect.

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