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Anna Xian

How much unemployment will I get if I make $1,000 a week - Washington ESD benefit calculation help

I'm trying to figure out what my weekly benefit amount would be through Washington ESD if I file for unemployment. My current gross pay is around $1,000 per week at my warehouse job. I've been working there for about 14 months now. Does anyone know how Washington calculates the weekly benefit amount? I tried looking on the ESD website but it's confusing with all the base year stuff and quarterly earnings. Just want to get an idea of what to expect before I potentially have to file.

Washington ESD uses your highest earning quarter from your base year to calculate benefits. If you're making $1000/week consistently, you'd be looking at around $13,000 per quarter. The maximum weekly benefit in Washington is $999 right now, but you probably won't hit that. They use a formula based on your highest quarter divided by 26, but there are caps.

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So they don't just use my current weekly pay? That's confusing. What if I just started this job recently?

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Nope, they look at your earnings history over the past 15-18 months. If you just started making $1000/week recently, your benefit might be based on lower previous earnings.

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I was making about $950/week and my Washington ESD benefit came out to around $620 per week. But like the other person said, it depends on your earnings history, not just your current pay. You need to have worked in at least two quarters of your base year to qualify.

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That's pretty good! How long did it take to get your first payment after filing?

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About 3 weeks, but that was without any issues. Make sure you have all your employer info ready when you apply.

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The Washington ESD benefit calculator is actually on their website, but I'll break it down simply. They take your highest earning quarter from your base year and divide by 26. Then they apply Washington's benefit formula. For someone consistently making $1000/week, you're looking at roughly 50-60% of your average weekly wage, capped at the state maximum.

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I couldn't find that calculator anywhere on the ESD site. Do you have a direct link?

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It's buried in their tools section. Search for 'benefit estimator' on the Washington ESD site.

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Ev Luca

I tried that calculator and it gave me a totally different number than what I actually got. Those things are never accurate.

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Honestly, trying to calculate this yourself is a headache. When I needed to check my benefit amount and had questions, I used this service called Claimyr (claimyr.com) that actually gets you through to ESD agents on the phone. They have a video demo at https://youtu.be/7DieNd3C7zQ showing how it works. Way easier than trying to interpret all the base year calculations yourself.

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Is that legit? I've never heard of paying someone to call ESD for you.

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Yeah it's real. I was skeptical too but after spending hours trying to get through to ESD myself, it was worth it to get actual answers about my specific situation.

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I've heard mixed things about those calling services. Some people swear by them, others say it's a waste of money.

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wait so if I make $1000 a week now but I was making like $600 a week last year, which one do they use?? this is so confusing

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They use your base year earnings, which is typically the first four of the last five completed quarters before you file. So probably your lower earnings unfortunately.

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that sucks! so even though I make good money now it doesn't matter?

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That's correct. The system is designed to look at your work history, not just current earnings. It's meant to replace wages you've already earned and paid taxes on.

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I think Washington's max benefit is actually higher than $999 now. Didn't they increase it this year? I swear I saw something about it going up.

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You might be right. I know they adjust it annually based on average wages. The exact amount changes each year.

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I just filed last month and my benefit calculation showed the max at $999, so that's still current as of now.

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The whole base year thing is stupid. Why can't they just use your current income like every other program? I was making $800/week when I got laid off but my benefit was only $340 because I had been unemployed the year before. Makes no sense.

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It's because unemployment insurance is based on wages you've already earned and paid UI taxes on. The system isn't perfect but there's logic to using historical earnings.

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Still doesn't help when you need money NOW based on your current expenses, not what you made 18 months ago.

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I hear you man. The whole system feels outdated.

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OP - if you've been making $1000/week for 14 months, you should have at least 3 quarters of solid earnings in your base year. That's actually pretty good for benefit calculation purposes. You're probably looking at $600-700 per week depending on the exact formula.

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That would be amazing! I was worried it would be way less. Do you know how long benefits last?

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Standard unemployment in Washington is up to 26 weeks, but it depends on your total base year earnings and the unemployment rate.

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Pro tip: when you file, make sure you report ALL your employers from the base year period. I forgot about a part-time job I had and it delayed my claim for weeks while they investigated.

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Good to know! I only have the one employer but I'll double check my records.

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Yeah, they're really strict about having complete work history. Better to over-report than under-report.

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Just remember you'll need to do job searches every week to keep getting benefits. Washington requires 3 job search activities per week unless you're on standby with your employer.

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What counts as a job search activity?

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Applying for jobs, networking events, job fairs, even updating your resume counts. They have a list on the ESD website.

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And you have to log everything in WorkSourceWA. Don't skip that step or they'll stop your benefits.

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I had the same question when I got laid off from my $950/week job. Ended up calling ESD but couldn't get through for days. Finally used that Claimyr service someone mentioned earlier and got connected to an agent in like 20 minutes. They walked me through exactly how my benefit would be calculated based on my specific earnings history. Way better than guessing.

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How much did that cost you?

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I don't remember the exact amount but it was worth it to get accurate info instead of stressing about unknowns.

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I might try that too. I've been calling ESD for a week straight with no luck.

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Another thing to consider - if you're making $1000/week, you might want to look into whether your employer offers any severance or if you qualify for COBRA continuation. Sometimes it's worth timing when you file for unemployment.

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I haven't been laid off yet, just trying to plan ahead. My company's been talking about possible cuts.

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Smart to plan ahead. If you do get severance pay, that might affect when your unemployment benefits start.

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The ESD website has gotten better over the years but it's still confusing. I always tell people to call and talk to an actual person if they can get through. The automated calculations don't account for all the variables in your specific situation.

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Good luck getting through though. I spent literally hours on hold last time.

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That's exactly why I ended up using Claimyr. The phone wait times are ridiculous.

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One more thing OP - make sure you file the week you become unemployed, not before. If you file early it can mess up your claim start date and you might lose benefits.

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Thanks for all the advice everyone! This has been really helpful.

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Hope you don't need to use any of this info, but good to be prepared!

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Just wanted to add that Washington also has an alternate base year option if your regular base year doesn't give you enough earnings to qualify. So if you've been making $1000/week for 14 months but had a gap in employment before that, they can sometimes use a more recent time period that includes your current higher earnings. It's worth asking about when you apply - a lot of people don't know this option exists and it can make a big difference in your benefit amount.

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That's really good to know! I hadn't heard about the alternate base year option. So if I understand correctly, they could potentially use a more recent period that includes more of my $1000/week earnings instead of going back to when I might have been making less? That could make a huge difference in my benefit amount. Do you know if you have to specifically request this or do they automatically consider it?

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You usually have to request it specifically - they don't automatically check for alternate base year eligibility in most cases. When you apply, you can ask the agent about it or there's usually a section in the application where you can indicate if you want them to consider alternate base year calculations. It's definitely worth requesting if your recent earnings are significantly higher than your standard base year period. The alternate base year uses the most recent four completed quarters instead of the first four of the last five quarters, so it could capture more of your $1000/week earnings depending on when you file.

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Based on your $1,000/week for 14 months, you should be in pretty good shape for benefits! Since you've been consistently earning that amount, your highest quarter would be around $13,000. Washington's formula typically gives you about 50-60% of your average weekly wage from your highest quarter, so you're probably looking at somewhere in the $600-750/week range. The key thing is that 14 months means you'll have at least 3 solid quarters of earnings in your base year, which is exactly what the system needs to calculate a decent benefit. Just make sure when you apply that you mention the alternate base year option that Diego brought up - since your recent earnings are consistent, that could help maximize your benefit amount.

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Xan Dae

This is super helpful! I feel much better knowing that my 14 months of consistent earnings should work in my favor. The $600-750 range would definitely help if I do end up needing to file. I'm definitely going to ask about that alternate base year option too - seems like it could make a real difference. Thanks for breaking down the math in a way that actually makes sense!

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Hey Anna! I went through this exact situation about 6 months ago when I was making around $1,100/week at my manufacturing job. Like others mentioned, Washington uses your base year earnings, but since you've been at $1,000/week for 14 months, you should actually be in a really good position. I ended up getting $687/week in benefits, which was way better than I expected. The key thing that helped me was keeping detailed records of all my pay stubs - when you apply, having exact quarterly earnings makes the process much smoother. Also, don't stress too much about the ESD website being confusing - once you actually file, they walk you through everything step by step. The hardest part is just getting started with the application!

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That's really reassuring to hear from someone who went through the same situation! $687/week sounds like a solid benefit amount. I'm definitely going to start organizing my pay stubs now - I have them all saved digitally but haven't calculated the quarterly totals yet. It's good to know the application process itself isn't as bad as the website makes it seem. Did you have any issues with the weekly certifications or job search requirements once you started receiving benefits?

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The weekly certifications were pretty straightforward - just had to log in every week and answer a few questions about whether I worked or earned any money that week. The job search requirement was 3 activities per week which sounds like a lot but it's really not that bad. Applying to jobs online counts, so does updating your LinkedIn profile, attending virtual job fairs, even networking calls with former colleagues. I kept a simple spreadsheet tracking what I did each week and never had any issues. The WorkSourceWA system they make you use is a bit clunky but once you get used to it, the whole process becomes pretty routine. Just make sure you don't miss your weekly certification - they're pretty strict about the deadlines!

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One thing I haven't seen mentioned yet is that Washington ESD also has a waiting week, which means your first week of unemployment won't be paid even if you're approved. So when you're calculating your finances, factor in that you'll get your first payment in week 2, not week 1. Also, if you end up needing to appeal any decision or if there are issues with your claim, it can add weeks to the process. I'd recommend having some emergency savings set aside just in case there are delays. With your $1,000/week earnings for 14 months though, you should qualify without any major issues - that's a solid work history that ESD likes to see.

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