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Nina Chan

How much unemployment will I get from Washington ESD - need to know benefit amount

I just got laid off from my job at a manufacturing plant where I made about $52,000 a year. I'm trying to figure out how much my weekly unemployment benefit will be from Washington ESD before I file my claim. I've never been on unemployment before so I have no idea how they calculate it. Does anyone know the formula they use? I need to know if it'll be enough to cover my rent and basic expenses while I job search.

Washington ESD calculates your weekly benefit amount (WBA) based on your highest earning quarter in your base period. They take your highest quarter earnings, divide by 26, then you get roughly 50% of that amount up to the maximum. For 2024 the max weekly benefit is $999.

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So if I made $13,000 in my highest quarter, that would be $13,000 divided by 26 = $500, then 50% of that = $250 per week?

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That's the basic calculation but Washington ESD has a more complex formula. You should use their benefit calculator on the website to get the exact amount.

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the formula is actually more complicated than that... they look at your base period which is usually the first 4 of the last 5 completed quarters before you file. then they use some weird calculation with your two highest quarters

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You're right, Washington ESD uses a two-quarter method. They add your two highest quarters, divide by 52, then multiply by 0.0385 to get your weekly benefit amount. There's also a minimum of $295/week.

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This is getting confusing. Is there an easier way to figure this out without doing all this math?

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I was in the same boat last year trying to figure out my benefit amount. Spent hours trying to calculate it myself and got frustrated with all the different formulas people mentioned. Finally found Claimyr (claimyr.com) which helped me get through to an actual Washington ESD agent who calculated it for me over the phone. Way easier than guessing.

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How does that work? I've heard it's impossible to get through to Washington ESD on the phone.

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That's exactly why I used Claimyr. They have this system that keeps calling until they get you connected to an agent. There's even a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Saved me so much time and stress.

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DONT TRUST ONLINE CALCULATORS!! I used one and it was off by like $100. The only way to know for sure is to file your claim and see what Washington ESD gives you. All these formulas are just estimates.

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The official Washington ESD benefit calculator on their website is actually pretty accurate. Third-party calculators might be off but the state's own tool uses the real formula.

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maybe but i still dont trust it. too many variables they dont account for

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Update: I found the Washington ESD benefit calculator on their website and it says I'd get about $385 per week. That's actually more than I expected! Thanks everyone for the help.

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Nice! That should help cover your basics while you job search. Don't forget you have to file weekly claims and do job search activities to keep getting benefits.

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Yeah I saw that requirement. How many job contacts do I need to do each week?

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For Washington ESD you need to make at least 3 job search contacts per week and keep a log of your activities. You can use WorkSourceWA, apply directly to employers, attend job fairs, etc. Just make sure you document everything.

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Do I need to submit the job search log every week or just keep it for my records?

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Keep it for your records. Washington ESD can audit you at any time and ask for your job search documentation, so make sure it's detailed and accurate.

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just remember that unemployment is taxable income so dont spend it all thinking its free money. you'll owe taxes on it next year unless you have them withhold

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Good point, I didn't think about that. Can I have Washington ESD withhold taxes from my weekly payments?

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yes when you file your claim theres an option to have 10% withheld for federal taxes. i always do that so im not surprised at tax time

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One more thing to consider - your benefit amount stays the same for your entire benefit year even if you get a part-time job. But if you work part-time, they'll reduce your weekly benefit based on how much you earn.

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How does that work exactly? Like if I make $100 in a week from part-time work?

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Washington ESD has an earnings deduction formula. Generally you can earn up to 25% of your weekly benefit amount without any reduction. After that, they reduce your benefit dollar-for-dollar for earnings over that threshold.

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i been on unemployment 3 times and the amount always surprised me (both good and bad ways). your best bet is just file the claim and see what happens. the online estimate tools are okay but not perfect

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Did you ever have issues with your claim getting stuck in adjudication or anything like that?

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yeah once they had to verify my identity and it took like 6 weeks to get my first payment. make sure all your info is accurate when you file

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Another thing about calling Washington ESD - if you need to check your claim status or have questions about your benefit amount, Claimyr really does work. I was skeptical at first but it got me through to an agent in about 45 minutes instead of spending all day redialing busy signals.

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How much does something like that cost? Seems like it would be expensive.

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It's worth it when you need answers fast. Way cheaper than missing work to keep calling or stressing about your claim status for weeks.

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Just to clarify the Washington ESD benefit calculation one more time: they look at your base period (first 4 of last 5 completed quarters), find your two highest earning quarters, add them together, divide by 52, then multiply by 0.0385. The result is your weekly benefit amount, subject to the minimum of $295 and maximum of $999 for 2024.

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Thanks for the clear explanation! That matches what the official calculator gave me.

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Is the maximum benefit amount the same for everyone or does it depend on your work history?

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The maximum weekly benefit amount is set by Washington state law and applies to everyone. It gets adjusted annually based on the state's average weekly wage. For 2024 it's $999/week, and for 2025 it will probably go up slightly.

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So even if someone made $200,000 a year, they'd still only get $999/week max?

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Exactly. The maximum is the maximum regardless of how much you earned. That's why some higher earners might want to consider other options or prepare for a significant income reduction.

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dont forget about the waiting week too. washington doesnt have one anymore but some people still think they do. you can get paid for your first week now

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Good to know! So I'll get paid for the first week I file as long as I'm eligible?

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yep as long as you meet all the requirements and file your weekly claim on time

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I'm curious about the base period thing. What if you just started a new job a few months ago? Would your benefit amount be really low because you don't have much earnings history?

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If you don't have enough earnings in your regular base period, Washington ESD can use an alternate base period which includes more recent earnings. You might also not qualify for benefits if you haven't worked enough.

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That makes sense. I guess it depends on your specific situation.

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This has been really helpful everyone. I feel much more confident about filing my claim now. One last question - how long does it usually take to get your first payment after filing?

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If your claim goes through without any issues, you should get your first payment within 2-3 weeks of filing. But if they need to verify anything or your claim goes into adjudication, it can take much longer.

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mine took 6 weeks because of identity verification like i mentioned earlier. really depends on if there are any red flags in your application

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For anyone still confused about the benefit calculation, I found this trick: take your gross annual salary, divide by 52 to get weekly, then multiply by about 40-50%. That'll give you a rough estimate of your weekly benefit before hitting the maximum.

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That's a much easier way to estimate it! For my $52k salary that would be $1000/week * 45% = $450/week, which is close to what the calculator gave me.

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Exactly! It's not perfect but gives you a ballpark figure without all the complicated base period math.

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just make sure when you file that you have all your employer information ready including dates of employment and reason for separation. washington esd will contact your employer to verify everything

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Good reminder. I have all my pay stubs and my termination paperwork saved.

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perfect that should make the process smoother for you

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Just wanted to follow up on my earlier comment about Claimyr - I used them again last month when I had questions about my benefit year ending and needed to know about filing a new claim. Got connected to an agent who explained the whole process and helped me avoid any gaps in payments. Definitely recommend if you need to actually talk to someone at Washington ESD.

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That's good to know. I've been trying to call them for weeks about an issue with my job search requirements and keep getting busy signals.

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Yeah that's exactly the frustration it solves. Check out their site at claimyr.com - way better than spending your whole day redialing.

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Thanks again everyone! I'm going to file my claim this weekend. Feeling much more prepared now thanks to all your advice.

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Good luck! Make sure to file your weekly claims on time every week and keep up with your job search requirements.

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hope everything goes smoothly for you! come back and let us know how it goes

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One thing nobody mentioned - if you get severance pay that might affect when your benefits start. Washington ESD considers severance as wages so you might have a delay before you can collect unemployment.

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I didn't get any severance, just my final paycheck. So I should be good to start benefits right away?

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Yeah if you didn't get severance you should be able to start collecting immediately as long as you meet all the other requirements.

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