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Ethan Wilson

How much unemployment will I get if I make $1,500 a week in Washington?

I've been working as a project manager making about $1,500 per week ($78,000 annually) and my company just announced layoffs coming next month. I'm trying to figure out what my Washington ESD unemployment benefits would be if I get let go. I know there's some formula but I can't make sense of the calculator on their website. Has anyone here dealt with this income level and can tell me roughly what to expect? I need to start budgeting now in case the worst happens.

Washington ESD calculates your weekly benefit amount based on your highest earning quarter in your base year. At $1,500/week you're looking at around $844 maximum weekly benefit (that's the 2025 max). But it depends on your actual quarterly earnings and how long you've been working at that wage.

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Thank you! I've been at this salary for about 8 months now. Does that mean they'd use my lower previous earnings too?

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Yes, they look at your base year which is the first 4 of the last 5 completed quarters. So if you filed now, they'd include quarters when you were earning less.

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I was making about $1,400/week and got $789 per week in unemployment. The formula is roughly half of what you made in your highest quarter, divided by 13 weeks, but capped at the state maximum. You'll probably hit the max.

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That's actually higher than I expected! How long did it take for your claim to get approved?

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About 3 weeks, but I had to call them twice to get through adjudication. The phone system is brutal.

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If you're struggling to reach Washington ESD by phone, I found this service called Claimyr that actually got me through to an agent. They have a video demo at https://youtu.be/7DieNd3C7zQ showing how it works. Way better than sitting on hold for hours.

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Interesting, I'll check that out. Have you used it multiple times?

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Yeah, used it twice when I needed to resolve issues with my claim. Much less stressful than the regular phone system.

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claimyr.com has been a lifesaver for me too. Their system actually works unlike trying to call Washington ESD directly.

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DONT COUNT ON GETTING THE MAXIMUM!!! I made good money too and they found some excuse to reduce my benefits. The adjudication process is designed to screw you over. They'll dig into every detail of your employment.

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What kind of issues did they find? I'm worried now...

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They questioned whether I was actually laid off or if I quit. Took forever to resolve even though I had documentation.

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Don't panic yet. The key is making sure you have proper documentation of your layoff. Get a letter from HR stating it's a reduction in force, not performance related. That'll prevent most adjudication issues.

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Good advice. I'll make sure to get that in writing when the time comes.

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Also keep records of all your paystubs from the past 18 months. Washington ESD may ask for them during the application process.

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Mei Liu

i made about 1200 a week and got like 650 or something. its not half your pay like people think

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Was that the full amount or after taxes?

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Mei Liu

thats before taxes. they do take taxes out unless you opt out

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The Washington ESD benefit calculator is confusing but here's the deal: they take your highest earning quarter in your base year, divide by 13, then multiply by 0.5. But there's a minimum and maximum. At your income level you'll likely hit the $844 maximum for 2025.

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That's really helpful, thank you for breaking down the actual formula!

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No problem! Just remember you also need to meet the job search requirements - 3 job contacts per week minimum.

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One thing to keep in mind is that unemployment benefits are taxable income. You can have taxes withheld or pay quarterly. At the benefit levels you're looking at, you'll definitely owe taxes.

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Good point. I hadn't thought about the tax implications.

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Yeah, I learned that the hard way. Owed a bunch at tax time because I didn't have them withhold.

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Just went through this myself. Made $1,600/week, got $844 weekly benefit. But it took 5 weeks to get my first payment due to adjudication. Start filing immediately when you're laid off, don't wait.

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5 weeks?! How did you manage financially during that time?

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Savings and credit cards. It was rough. That's why I'm telling you to file immediately and have documentation ready.

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The waiting period is the worst part. Even if everything goes smoothly, there's still the waiting week where you don't get paid. Plan for at least 2-3 weeks before you see any money.

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There's still a waiting week? I thought they eliminated that during COVID.

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Nope, it's back. First week you file you don't get paid for, even if approved immediately.

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My sister used Claimyr when she couldn't get through to Washington ESD about her benefit calculation. The agent was able to explain exactly how they calculated her amount and it matched what she expected. Worth the money if you run into issues.

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How much does a service like that cost?

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I'm not sure on the exact cost but she said it was worth it to avoid the stress of calling for hours. Check out claimyr.com for details.

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Remember you can work part-time while on unemployment but they'll reduce your benefits. At your benefit level, you can earn up to about $280/week before they start reducing it dollar for dollar.

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That's good to know. I might pick up some consulting work if I can find it.

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Just make sure to report all earnings when you file your weekly claims. They cross-check with employers now.

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The job search requirement is 3 contacts per week minimum but at your income level they expect quality applications. Keep detailed records in WorkSourceWA because they do audit job searches.

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I've never used WorkSourceWA. Is it hard to navigate?

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It's clunky but you get used to it. You have to log all your job search activities there to stay eligible.

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honestly at your income level you might want to consider cobra for health insurance. unemployment benefits are good but losing health coverage is scary

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Yeah, I'm definitely worried about health insurance. COBRA is so expensive though.

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check if you qualify for premium assistance. sometimes the state has programs to help with cobra costs

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File online as soon as you're laid off. The Washington ESD website is better than it used to be. Don't try to call unless you absolutely have to - the wait times are insane.

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Good advice. I'll bookmark the site and have everything ready.

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Unless you need to reach them urgently, then definitely try Claimyr. I used them when I had an adjudication issue and it saved me weeks of stress.

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Make sure you understand the difference between being laid off vs terminated for cause. Layoffs due to lack of work are straightforward. If there's any question about your separation reason, get documentation from HR.

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It's definitely a layoff due to budget cuts. I'll make sure to get that documented.

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Perfect. That should make your claim process much smoother.

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The maximum benefit duration is 26 weeks in Washington. At your income level, you'll likely qualify for the full 26 weeks assuming you have enough work history.

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26 weeks should be enough time to find something new. Hopefully!

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Yeah, and if you find work before then, you can always stop filing claims. No penalty for finding a job early.

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Just remember to file your weekly claims every week even if you haven't been paid yet. If you miss a week, you lose that week's benefits forever.

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Good reminder. I'll set a calendar alert for every Sunday.

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Smart. The weekly claims are due by midnight on Saturday but I always do mine on Sunday morning to be safe.

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Overall, at $1,500/week you're looking at roughly 55% income replacement if you get the maximum benefit. It's not perfect but it's something while you job search.

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That's actually better than I thought. Thanks everyone for all the helpful information!

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No problem! Hope you don't need it but good to be prepared. The key is acting fast if you do get laid off.

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One thing I'd add is to make sure you have your Social Security number, driver's license, and bank account info ready when you file. Washington ESD also asks for your employer's federal tax ID number (FEIN) which you can usually find on your W-2 or paystub. Having all this info ready will make the initial application process much smoother.

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That's really helpful! I never would have thought about needing the employer's FEIN. I'll make sure to grab that from my latest paystub along with all the other documents. Better to have everything organized beforehand than scramble when I'm already stressed about being laid off.

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