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Connor Gallagher

How much unemployment do you get in Washington - need to know benefit amounts

I'm about to file for unemployment and trying to figure out what I can expect to receive. I was making $4,200 a month at my last job (laid off due to company downsizing). Does anyone know how Washington ESD calculates the weekly benefit amount? I've heard it's based on your highest earning quarter but I'm not sure how that works exactly. Also wondering if there's a maximum amount they'll pay regardless of how much you were making. Any help would be appreciated!

Washington ESD uses your highest earning quarter from your base year to calculate benefits. They take that quarter amount and divide by 26 to get your weekly benefit. The maximum weekly benefit amount for 2025 is $999 per week. So if you were making good money, you might hit that cap.

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Thanks! So they look at my best quarter, not my average over the whole year?

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Exactly. It's specifically your highest earning quarter in the base year period, which is typically the first four of the last five completed calendar quarters before you file.

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i think its like 60% of your average weekly wage or something like that. but theres definitely a cap because my friend was making bank and still only got the max amount

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It's actually not 60% of average - it's based on your highest quarter divided by 26. Common misconception though.

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oh ok thanks for the correction

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I went through this calculation nightmare last year when I got laid off. Washington ESD's website has a benefit calculator but honestly it was confusing as hell. I ended up calling them multiple times trying to understand why my benefit amount was what it was. The hold times were absolutely insane - like 2+ hours every single time.

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Oh man, those hold times are brutal! I tried calling Washington ESD for weeks and either got disconnected or gave up after waiting forever. Finally found this service called Claimyr (claimyr.com) that actually gets you through to agents. They have a video demo showing how it works: https://youtu.be/7DieNd3C7zQ. Saved me so much frustration.

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Wish I'd known about that when I was dealing with my claim issues. Would have saved me hours of my life!

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Interesting, I'll keep that in mind if I run into issues. Hopefully the online calculator will be enough for now.

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The formula is: (Highest quarter wages ÷ 26) = Weekly Benefit Amount, subject to the maximum of $999/week. Your base year is the first 4 of the last 5 completed calendar quarters. So if you file in March 2025, your base year would be October 2023 through September 2024. Make sure you have all your wage information from that period.

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This is super helpful! So with my salary, if my highest quarter was around $12,600, I'd get about $484 per week?

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That math looks right - $12,600 ÷ 26 = $484.61, which would be rounded down to $484 per week.

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just a heads up that you also need to meet the minimum earnings requirement. I think you need at least $3,800 in your base year and earnings in at least two quarters. most people meet this but worth mentioning

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Good point, I definitely meet that since I was working full time for over a year.

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Don't forget about taxes! Washington doesn't have state income tax but you'll still owe federal taxes on unemployment benefits. You can have them withhold 10% or handle it yourself when you file taxes. I learned this the hard way my first time filing.

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Oh right, I forgot unemployment is taxable income. Thanks for the reminder!

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Yeah definitely have them withhold if you can afford the slightly lower payment. Otherwise you might owe a chunk at tax time.

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the other thing is you can only collect for 26 weeks max in washington (unless theres some extension program). so budget accordingly

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26 weeks should hopefully be enough time to find something new. Thanks for mentioning that.

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Actually it can be less than 26 weeks depending on your total base year earnings. Some people only qualify for 10-15 weeks if their earnings were lower.

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I'm dealing with something similar right now. Filed my claim three weeks ago and it's been stuck in adjudication. Can't get through to anyone at Washington ESD to find out what's going on. It's driving me crazy not knowing what my benefit amount will be or when I'll start getting paid.

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That adjudication process can take forever. I mentioned Claimyr earlier - they're really good at getting you connected to Washington ESD agents who can actually explain what's holding up your claim.

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I might have to try that. This waiting around with no information is killing me.

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Just to add - if you've worked in multiple states recently, you might want to check if filing in a different state would give you higher benefits. Each state has different maximum amounts and calculation methods.

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I've only worked in Washington so that shouldn't be an issue for me.

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Good point though. People who worked across state lines should definitely compare their options before filing.

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The Washington ESD website actually has a pretty decent benefit calculator tool if you want to get an estimate before filing. It's under the 'File a Claim' section. Won't be 100% accurate but gives you a ballpark figure.

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I'll definitely check that out. Thanks for pointing me to the right section!

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One more thing - make sure you file your weekly claims every week even if your initial claim is still processing. You can't go back and claim weeks you missed, so don't wait for everything to be approved before you start the weekly reporting.

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Good to know! I was wondering about the timing of when to start doing the weekly claims.

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Exactly right. You have to claim every week you want benefits for, starting with your first week of unemployment. Can't backdate missed weeks.

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Washington's system is actually pretty generous compared to some other states. $999 max is decent, and the calculation method tends to favor people with steady employment history. Just make sure you meet all the job search requirements once you start collecting.

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What are the job search requirements exactly?

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You need to make at least 3 job search contacts per week and keep a log. Can include applications, interviews, networking events, etc. Washington ESD can audit your log so keep good records.

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been on unemployment twice in washington and both times got different amounts even though i thought my wages were similar. the base year thing is tricky to calculate if you had irregular income or bonuses. definitely worth using their calculator

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That's a good point about irregular income. My salary was pretty steady but I did get a bonus last year.

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Bonuses count as wages for the quarter they were paid in, so they could definitely affect which quarter ends up being your highest.

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Just filed my claim last month after getting laid off from a tech job. Was making $6,500/month and ended up getting the maximum $999/week. The whole process took about 2 weeks from filing to getting my first payment. Pretty smooth compared to horror stories I'd heard.

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That's encouraging to hear! Did you have any issues with adjudication or did it go straight through?

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Went straight through, no adjudication needed. I think it helps that my layoff was clearly documented and I had all my employment info ready when I filed.

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the washington esd system crashed on me like 3 times when i was trying to file my initial claim. super frustrating but eventually got through. make sure you save your progress frequently if you're filling out the online application

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Thanks for the tip! I'll make sure to save as I go.

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WASHINGTON ESD IS A NIGHTMARE TO DEAL WITH!!! Been waiting 6 weeks for my claim to get processed and every time I call they give me a different story. First they said it was a computer glitch, then they said I needed to verify my identity, now they're saying there's an issue with my work separation. I'M ABOUT TO LOSE MY HOUSE!!

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I feel your pain! That's exactly why I started using Claimyr - they actually get you to agents who can see what's really going on with your claim instead of getting the runaround.

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At this point I'm willing to try anything. This is ridiculous.

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Pro tip: if you're filing online, do it early in the morning or late at night. The system is less likely to be overloaded and crash. Learned this after multiple failed attempts during business hours.

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Good advice! I was planning to file during my lunch break but maybe I should wait until evening.

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Also remember that your benefit year lasts 52 weeks from when you file, but you can only collect for a maximum of 26 weeks (or less depending on your earnings). So if you find a job after 10 weeks but get laid off again 6 months later, you might still be able to collect the remaining weeks from your original claim.

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Interesting, I didn't know you could use remaining weeks later in the same benefit year.

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Yep, as long as you're still in the same benefit year and haven't exhausted your maximum weeks, you can reopen your claim.

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honestly the hardest part isnt figuring out how much youll get, its actually getting through to someone when you have questions or problems. the phone system is terrible and the online messaging never gets responses

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Yeah I've heard the customer service is pretty bad. Hopefully I won't need to contact them much.

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That's the reality unfortunately. Cross your fingers that your claim goes smoothly because getting help when there are issues is a real challenge.

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Thanks everyone for all the helpful info! Sounds like with my income level I should expect somewhere around $480-500 per week, which would definitely help while I'm job hunting. Going to use the online calculator to get a better estimate and then file my claim this weekend.

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Good luck with your claim! Feel free to come back here if you run into any issues during the process.

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Hope it goes smoothly for you. Having your wage information organized beforehand will definitely help speed things up.

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