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Sophie Hernandez

How much money can you get on Washington ESD unemployment benefits?

I'm thinking about filing for unemployment but want to know what I can expect to receive. I've been working full-time for the past 2 years making about $52,000 annually. Does anyone know how Washington ESD calculates the weekly benefit amount? I heard it's based on your earnings but not sure exactly how they figure it out. Also wondering if there's a maximum amount they'll pay regardless of how much you made.

Washington ESD uses your highest earning quarter from the past 18 months to calculate your weekly benefit amount. They take that quarter's earnings and divide by 13 to get your weekly amount. For 2025, the maximum weekly benefit is $999 and minimum is $295. With your salary, you'd probably get close to the max.

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Thanks! So they don't look at your entire year's earnings, just the best quarter?

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Exactly. They use your base period which is the first 4 of the last 5 completed quarters before you file. Then they pick your highest earning quarter from those 4.

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The calculation is actually a bit more complex. They look at your base period earnings and use a formula. Your weekly benefit amount is roughly 3.85% of your average quarterly wages during your base period. But there's also a minimum hours requirement - you need at least 680 hours of work during your base period.

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680 hours shouldn't be a problem since I worked full-time. Do they count overtime hours differently?

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No, all hours count the same whether regular or overtime. The important thing is having enough covered wages and hours in your base period.

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I was having trouble getting through to Washington ESD to ask about my benefit calculation. The phone lines are always busy and I kept getting disconnected. Finally found this service called Claimyr that actually got me through to an agent. They have a website at claimyr.com and there's a demo video at https://youtu.be/7DieNd3C7zQ showing how it works. Really helped me understand my exact benefit amount.

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Never heard of that before. Did they charge you anything to help you get through?

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Yeah there's a fee but it was worth it to actually talk to someone instead of calling hundreds of times. The agent explained everything about my specific situation.

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just so you know the maximum changes every year. i think last year it was like $844 or something but now its $999 for 2025. also depends on if you have dependents cause you can get extra money for that

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I don't have any dependents. How much extra do you get if you do?

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i think its like $25 per dependent but not sure if thats still accurate

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The dependent allowance is $24 per dependent child under 18, with a maximum of 5 dependents. So you could get up to $120 extra per week. But you have to meet certain income requirements for the dependent allowance to apply.

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Good to know, though doesn't apply to me right now.

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Don't forget you can collect for up to 26 weeks in a benefit year, assuming you have enough wages in your base period. Some people think unemployment is just a few weeks but it's actually up to 6 months if you qualify.

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26 weeks sounds like a lot. Is there anything that could make it shorter?

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If you don't have enough wages in your base period, your benefit year could be shorter. Also if you find work or violate any of the job search requirements.

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I'm currently getting $887 per week and I was making about $65K before I got laid off. The calculation seemed pretty fair based on what I was earning. Just make sure you report any part-time work correctly because they'll reduce your benefits if you earn too much in a week.

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What's the limit for part-time work earnings?

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You can earn up to your weekly benefit amount minus $5 before they start reducing your benefits. So if you get $500/week, you can earn up to $495 without any reduction.

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THE SYSTEM IS SO CONFUSING! I've been trying to figure out my benefit amount for weeks and every website gives different information. Why can't Washington ESD just have a simple calculator on their website??

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They do have a benefit calculator on their website, but it's not always easy to find. Look under the 'Calculators and Tools' section.

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I tried that but it kept asking for information I didn't have. Maybe I need to call them but the wait times are ridiculous.

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Quick question - does the $999 maximum include taxes or is that before taxes? I want to budget correctly if I end up needing to file.

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That's before taxes. You can choose to have 10% federal tax withheld from your benefits, but Washington state doesn't tax unemployment benefits.

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Thanks! So I'd get the full amount from the state but might owe federal taxes at the end of year.

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One thing to keep in mind is that your benefit amount is locked in when you file your initial claim. Even if you had higher earnings after your base period, they won't count toward your current claim. You'd have to wait until your benefit year ends to file a new claim with updated earnings.

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So if I got a raise recently, that won't help my current claim?

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Correct. Only the earnings from your base period count for your current benefit year.

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I used Claimyr twice now to get through to Washington ESD agents and both times they were super helpful explaining the benefit calculations. The second time I used it was to understand why my benefit amount changed when I started working part-time. Definitely worth using if you need specific answers about your claim.

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How long did it take them to get you connected?

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Usually within a few hours. Way better than spending entire days trying to call on my own.

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Does anyone know if there are different benefit amounts for different types of unemployment? Like if you quit vs got fired vs laid off?

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The benefit amount calculation is the same regardless of why you're unemployed. The difference is in eligibility - you generally can't collect if you quit without good cause or were fired for misconduct.

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That makes sense. I was laid off so should be fine on the eligibility side.

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Just a heads up that the benefit amounts and maximums can change each year based on the state's average weekly wage. So if you're looking at old information online, make sure it's current for 2025.

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Good point. I'll make sure to check the official Washington ESD website for the most current numbers.

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i wish they would just send you a letter or email telling you exactly how much you'll get instead of making you guess. the whole system seems designed to confuse people

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They do send you a monetary determination letter once you file your claim. That shows your exact weekly benefit amount and how they calculated it.

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oh ok good to know. i haven't filed yet so wasn't sure what to expect

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For what it's worth, I think Washington's unemployment benefits are pretty generous compared to other states. The maximum weekly amount is definitely higher than most places.

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Yeah, I've heard that too. Makes me feel a little better about potentially needing to file.

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Don't forget about the waiting week requirement. You won't get paid for your first week of unemployment even if you're eligible. It's kind of like a one-week deductible.

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Wait, so I'd file but not get paid the first week? That seems unfair.

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Yeah, it's been that way for years. You still have to file the weekly claim for that first week, you just don't get paid for it.

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The benefit calculator on the Washington ESD website is actually pretty accurate if you have all your wage information handy. It saved me from having to call and ask about my potential benefit amount.

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I'll definitely try that first before filing. Thanks for the tip!

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Remember that unemployment benefits are meant to replace about 50% of your average weekly wage, up to the maximum. So if you were making really good money, you might not get anywhere close to your full salary replaced.

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That's a good reality check. I should probably start budgeting for a lower income just in case.

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Another thing to consider is that you have to actively look for work and report your job search activities. So while you're getting benefits, you're also expected to be trying to find new employment. It's not just free money.

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Makes sense. Do you know how many jobs you have to apply for each week?

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I think it's 3 job search activities per week, but that includes things like attending job fairs or networking events, not just applications.

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If you're still having trouble reaching Washington ESD directly, I had good luck with Claimyr too. They got me connected to an agent who walked through my entire benefit calculation and explained why my amount was what it was. Really helped me understand the whole process.

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Seems like a lot of people have had success with that service. Might be worth trying if I can't get through on my own.

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