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Luca Ricci

How much of your check does unemployment pay - Washington ESD weekly benefit amounts

I'm trying to figure out what to expect from Washington ESD benefits. My last job paid me around $950 a week gross and I'm wondering how much of that I'll actually get in unemployment. I've heard different numbers thrown around - some people say 50%, others say it's way less. Does anyone know the actual formula Washington ESD uses? I need to budget for rent and bills while I'm job searching.

Washington ESD calculates your weekly benefit amount based on your highest earning quarter in your base period. The maximum weekly benefit is currently $999, and you can get up to 50% of your average weekly wage during that quarter. So if you made $950/week consistently, you might get close to $475 weekly, but it depends on your exact earnings pattern.

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That's helpful! So it's not just a flat percentage of my last paycheck then?

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Right, it's based on your highest quarter earnings divided by 13 weeks, not your final paycheck amount.

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I was making about $800 a week and my Washington ESD benefit came out to $362. It's definitely not enough to cover all my expenses but it helps with groceries and utilities while I'm looking for work. The job search requirements are pretty strict though - you have to log 3 job contacts per week minimum.

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$362 on $800 sounds about right based on what the other person said. How hard is it to meet the job search requirements?

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Not too bad if you're actually looking for work. I use WorkSourceWA to track my applications and contacts.

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Been trying to call Washington ESD for weeks to get my exact benefit amount but their phone lines are impossible. Anyone have luck getting through? I'm stuck in adjudication and can't even find out what my weekly benefit will be once it's approved.

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Same problem here! The wait times are ridiculous and half the time they just hang up on you.

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I had the same issue until I found Claimyr.com - they have this system that calls Washington ESD for you and connects you when an agent picks up. There's a video demo at https://youtu.be/7DieNd3C7zQ that shows exactly how it works. Saved me hours of redial frustration.

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The Washington ESD benefit calculator is pretty accurate if you can find your quarterly earnings. I think it's roughly 3.85% of your total base period wages, but there's a minimum and maximum. My calculation was spot on when I finally got my determination letter.

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Where do you find the benefit calculator? I've been looking on the Washington ESD website but can't locate it.

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It's buried in their forms section. You need your Social Security statement or wage records to use it properly.

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whatever you do dont expect to live off unemployment alone. i made $1200 a week and only get $520 from washington esd. had to pick up some gig work to make ends meet while job hunting. the 26 weeks goes by fast too

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Good point about the time limit. Are you allowed to do gig work while collecting unemployment?

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yeah but you have to report any earnings on your weekly claim. they deduct it from your benefit amount

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The formula is: (highest quarter earnings ÷ 13) × 0.5 = weekly benefit amount, up to the maximum of $999. So if your highest quarter was $12,350 (which would be about $950/week), you'd get ($12,350 ÷ 13) × 0.5 = $474 per week. That's pretty close to the 50% rule of thumb.

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This is exactly what I needed! So I should look at my highest earning quarter, not my most recent quarter?

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Correct. Washington ESD looks at your base period which is the first 4 of the last 5 completed quarters before you filed.

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Wait, what if your highest quarter was way different from your recent pay? Like if you had overtime or a bonus?

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I'm getting $445 weekly and was making around $950 too. Took forever to get approved though - was in adjudication for almost 6 weeks because they had to verify my employment. The waiting period is the worst part.

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6 weeks in adjudication? That's insane! Did you ever find out why it took so long?

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They said it was because I had worked for multiple employers in the base period and they had to verify with each one.

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The percentage varies by state but Washington is actually pretty decent. I moved here from another state where the maximum was like $400 total. Washington ESD's $999 max is way better than most places.

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True, but the cost of living here is also higher than most places, so it kind of balances out.

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Fair point about cost of living. At least Washington doesn't tax unemployment benefits at the state level.

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Anyone know if they count commission in the benefit calculation? My base salary was lower but I made good money on commission. Not sure how Washington ESD handles that.

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Commission should be included in your quarterly wages as long as it was reported to Washington ESD by your employer.

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Good to know! I was worried they'd only count my base salary.

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STILL waiting for my determination letter after 3 weeks. This is ridiculous!! How are people supposed to plan their finances when Washington ESD takes forever to tell you what you'll get?

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I feel your pain. That's why I'm trying to get through on the phone but it's impossible.

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Seriously, try that Claimyr service I mentioned earlier. It's worth it just to get some answers about your claim status.

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The 50% rule is pretty standard but remember you still have to pay federal taxes on unemployment benefits. So factor that into your budgeting too.

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Oh right, I forgot about taxes. Do they automatically take out federal taxes or do you have to ask?

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You can choose to have 10% withheld for federal taxes when you file your weekly claims, or pay quarterly/yearly.

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my weekly benefit is $380 and i was making about $820 per week. seems like everyone's getting roughly the same percentage. the hardest part is stretching it to cover rent and everything else

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Yeah, that's about 46% which is close to the 50% max. Are you doing any side work to make up the difference?

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trying to do some freelance stuff but have to be careful to report it properly on my weekly claims

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Just got my determination letter and I'm eligible for $492 weekly. Was making $1,050 per week so that's pretty close to the 50% they promised. The letter breaks down exactly how they calculated it which is helpful.

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That's great! How long did it take to get your determination letter?

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About 10 days after I filed my initial claim. No issues with adjudication though.

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Lucky you! I'm still waiting for mine after 3 weeks.

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For anyone trying to calculate their benefit amount, you can also look at your quarterly wage statements from Washington ESD. They mail them out annually and show exactly what employers reported for you.

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I don't think I've ever gotten one of those in the mail. Where would I find that?

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You can request a wage transcript online through your SecureAccess Washington account.

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Been on unemployment for 3 months now and the $431 weekly helps but it's definitely not enough to maintain my previous lifestyle. Had to move back in with family to make it work while job searching.

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That's tough. How's the job search going? Are you finding anything in your field?

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Slowly. Market is competitive but I'm getting more interviews lately. Hopefully something comes through soon.

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The whole system is broken. I've been calling Washington ESD for 2 weeks straight trying to get my benefit amount figured out but nobody picks up. Their website is confusing and the online calculators don't work half the time.

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Have you tried calling first thing in the morning? I heard that's when you have the best chance.

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Tried that, tried lunch time, tried everything. System is just overwhelmed.

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This is exactly why I started using Claimyr - their callback system actually works. You don't have to sit there redialing all day. Check out the demo video if you haven't already.

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Quick question - does the weekly benefit amount change if you're on standby status vs regular unemployment? I'm temporarily laid off but might get called back.

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Standby status has the same benefit amount, but different job search requirements. You don't have to actively look for work if you have a definite return date within 8 weeks.

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Perfect, that's what I was hoping to hear. Thanks!

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Bottom line: expect roughly 45-50% of your average weekly wage, up to the $999 maximum. It's not going to replace your full income but it's better than nothing while you're job hunting. Just make sure you're actively looking for work and reporting it properly.

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This whole thread has been super helpful. Thanks everyone for sharing your experiences and numbers!

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Agreed! Nice to see actual real-world examples instead of just the vague government explanations.

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