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Isabella Oliveira

How much unemployment do you get in Washington - what's the weekly benefit amount?

I'm trying to figure out how much I'll actually receive if I file for unemployment in Washington. I've been working full-time making about $52,000 a year for the past three years. 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 your salary?

Washington ESD uses your highest earning quarter from your base year to calculate benefits. They take that quarter's earnings, divide by 26, then you get about 50% of that as your weekly benefit amount. The maximum weekly benefit for 2025 is $999 per week.

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Thanks! So if my highest quarter was around $15,000, I'd get roughly $288 per week?

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That sounds about right, though Washington ESD has specific tables they use. You can get an estimate on their website before filing your claim.

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i think theres also a minimum amount too like $295 or something but dont quote me on that lol

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The minimum weekly benefit amount in Washington is $295 for 2025, you're correct on that.

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oh cool thanks for confirming!

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Just went through this process myself. Had such a hard time getting through to Washington ESD to verify my benefit amount calculation. Kept calling the main number but could never get past the busy signal. Finally used Claimyr (claimyr.com) which got me connected to an actual agent who walked me through exactly how they calculated my weekly amount. There's even a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Never heard of Claimyr before - how does that work exactly?

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Basically they help you get through to Washington ESD when the phone lines are swamped. Way easier than spending hours trying to call yourself.

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Interesting, might have to check that out since I can never get through either.

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Your base year is the first four of the last five completed calendar quarters before you file. So if you're filing now in 2025, they'd look at Q1 2024 through Q4 2024. They find your highest earning quarter in that period and use that for the calculation.

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That makes sense. I had some overtime in Q3 2024 so that would probably be my highest quarter.

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Wait, I thought they used your most recent year of earnings? This is confusing.

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No, it's specifically the base year period I mentioned. The most recent quarter often isn't included because wage reports might not be processed yet.

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Don't forget you have to pay taxes on unemployment benefits! A lot of people get surprised by that come tax time.

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Good point, I should probably have them withhold taxes then.

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Yeah, you can elect to have 10% withheld for federal taxes when you file your weekly claims.

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The whole system is so complicated. Why can't they just tell you upfront what you'll get instead of making you guess?

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You can get an estimate using the benefit calculator on the Washington ESD website before you actually file.

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I tried that calculator but it seemed really confusing to use. Maybe I'll just file and see what happens.

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Been on unemployment twice in the past five years. First time I got $420/week, second time only $380/week even though I was making more money. Turns out I had a gap in employment that affected my base year calculation.

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That's frustrating! Did Washington ESD explain why it was lower the second time?

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Eventually, but it took forever to get someone on the phone to explain it. The gap meant my highest quarter wasn't as high as I thought.

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This is exactly why I used Claimyr when I had questions about my benefit calculation. So much easier than trying to reach them directly.

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Also remember you can only collect benefits for a maximum of 26 weeks in Washington, unless there are extended benefits during high unemployment periods.

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26 weeks seems like it goes by pretty fast when you're job hunting.

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It really does. That's why it's important to know your weekly amount so you can budget accordingly.

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Make sure all your employers actually reported your wages correctly too. I had an issue where one employer hadn't submitted their quarterly report and it affected my benefit calculation.

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How do you check if your wages were reported correctly?

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You can see your wage history in your Washington ESD account after you file, or request a wage transcript.

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If there's a wage reporting issue, you'll need to contact both Washington ESD and your employer to get it corrected.

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ugh this is all so overwhelming. I just lost my job and trying to figure out if unemployment will even cover my rent is stressing me out

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I understand the stress. File as soon as possible since there's a waiting week, and the sooner you file, the sooner you'll know your exact benefit amount.

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thanks, I guess I'll just have to bite the bullet and file tomorrow

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One thing to note - if you're eligible for the minimum benefit of $295 but your calculation comes out lower, you'll still get the minimum. Washington has a floor on how low benefits can go.

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That's good to know. Sounds like even part-time workers might be able to get something.

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Right, as long as you meet the other eligibility requirements like work history and being available for work.

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Does anyone know if bonuses count toward your quarterly earnings? I got a decent bonus last year that might bump up my highest quarter.

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Yes, bonuses count as wages for unemployment purposes as long as your employer reported them properly on their quarterly wage report.

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Perfect, that should help my benefit amount then!

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The benefit calculator on Washington ESD's website is actually pretty accurate once you figure out how to use it. Just make sure you have your wage information handy.

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I should probably try that calculator again before filing. Do you need exact wage amounts or can you estimate?

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It's better to be as accurate as possible, but estimates will give you a ballpark figure at least.

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been trying to reach Washington ESD for weeks to ask about benefit amounts for my specific situation but their phone system is absolutely terrible. might have to try that Claimyr thing someone mentioned earlier

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Definitely recommend it. Saved me so much frustration compared to calling directly.

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cool thanks, gonna check out their website tonight

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Remember you also have to meet the work search requirements to keep getting benefits. It's not just about the money amount.

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Right, I heard you have to apply to jobs every week. How many job applications do you need to do?

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It's 3 job search activities per week in Washington, but they can be applications, networking, interviews, etc.

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If you worked in multiple states, make sure you file in the right state. Sometimes you can choose which state to file in depending on where you worked.

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

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Good, that makes it much simpler. Washington ESD will have all your wage records then.

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Just want to add that the benefit amount might seem low compared to your regular salary, but every bit helps when you're between jobs. Don't let the amount discourage you from filing if you're eligible.

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That's a good point. Even if it's not my full salary, it's better than nothing while I job hunt.

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Exactly! Plus you've been paying into the system through your paychecks, so you've earned these benefits.

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