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Amina Diop

How much unemployment will I get if I make $600 a week in Washington?

I've been working at a retail job making about $600 per week ($31,200 annually) and I'm worried I might get laid off after the holidays. I've never filed for unemployment before and I'm trying to figure out what my weekly benefit amount would be if I had to apply with Washington ESD. Does anyone know how they calculate this? I heard it's based on your highest earning quarter but I'm not sure how that works exactly.

Washington ESD uses your highest earning quarter from your base period to calculate benefits. Your weekly benefit amount is roughly 3.85% of your highest quarter earnings, but there's a maximum of $999 per week in 2025. With $600/week you'd be looking at around $15,600 in your highest quarter if you worked consistently, so probably somewhere in the $300-400 range weekly.

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Thanks! That's actually higher than I expected. Do you know if they count overtime or just base pay?

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They count all wages reported to Washington ESD, including overtime. Make sure your employer has been reporting your wages correctly.

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Washington ESD calculates your weekly benefit amount using your highest earning quarter from your base year. At $600/week, you'd be looking at around $7,800 per quarter. The formula is roughly 3.85% of your total base year wages divided by 52, but there's also a minimum and maximum. You'd probably get somewhere between $300-400 per week, but you'd need to file to get the exact amount.

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Thanks! So they look at all four quarters or just the highest one? And what's the base year exactly?

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They use all four quarters in your base year (the first four of the last five completed quarters before you file) to determine eligibility, but the highest quarter determines your benefit amount. So if you file in January 2025, they'd look at October 2023 through September 2024.

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i think its around 50% of your weekly pay but not sure about the exact math. when i filed last year i was making about $550/week and got like $280 in benefits

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That sounds about right based on what the other person said. Did you have any issues with your claim?

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nah it was pretty smooth, just had to do the weekly claims and job search stuff

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The exact formula is your highest quarter wages divided by 26, then multiplied by various factors. But honestly, if you're making $600/week consistently, you're probably looking at somewhere between $350-450 weekly in UI benefits. The key thing is making sure you have enough qualifying wages in your base period - you need at least 680 hours of work or earnings of at least $7,000.

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I've been at my job for over a year working full time so I should be good on the hours requirement. How long does it usually take to get approved?

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If it's a straightforward claim with no issues, usually 2-3 weeks. But if it goes into adjudication for any reason, could be 4-6 weeks or longer.

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Adjudication is the WORST. I've been waiting 5 weeks now and can't get through to anyone at Washington ESD to find out what's going on.

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I was making about the same when I got laid off last year. My weekly benefit was $346. But here's the thing - I had such a hard time getting through to Washington ESD to actually file my claim and get answers about my benefit calculation. I spent weeks calling and either getting busy signals or being hung up on after waiting on hold for hours.

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Oh no, that sounds awful! Did you eventually get through? I'm already dreading having to deal with their phone system.

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Yeah, I finally found this service called Claimyr that helped me get through to an actual person at Washington ESD. You can check it out at claimyr.com - they have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works. Basically they handle the calling for you and get you connected to an agent.

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If you're having trouble reaching Washington ESD by phone, I found this service called Claimyr that actually got me through to an agent. They have a website at claimyr.com and there's a video demo at https://youtu.be/7DieNd3C7zQ showing how it works. Saved me hours of calling and getting busy signals.

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Is this legit? How much does it cost? I'm desperate at this point.

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Yeah it's real. They don't ask for personal info or anything sketchy. Just helps you get through the phone system. Worth checking out if you're stuck.

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Good to know this exists. Hopefully I won't need it but I'll keep it in mind just in case.

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Washington ESD is SO SLOW with everything! I filed in December and didn't get my first payment until February. And don't even get me started on their website - it crashes constantly and the SAW login is a nightmare.

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Yikes, that's a long wait. Did you have to do anything special to get it resolved?

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Had to call probably 50 times before I got through to someone who could actually help. The first few agents I talked to had no clue what was going on.

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Just want to point out that your benefit amount also depends on when you file. If you file mid-year, your base period might not include your most recent higher wages. The base period is usually the first 4 of the last 5 completed quarters before you file.

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That's a good point. I got a raise 6 months ago so depending on timing that might not be included.

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Exactly. Sometimes it's worth waiting a few weeks to file if you know higher wages will roll into your base period.

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Though you can't really plan unemployment usually. If you're laid off, you need to file right away to avoid losing benefits.

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I was making $580/week and got $362 in weekly benefits. But that was in 2023 so the amounts might be different now. Also had to deal with the stupid job search requirements - 3 job contacts per week minimum.

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What counts as a job contact? Just applying or do you have to actually talk to someone?

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Applying online counts, but you have to keep records of everything. Company name, date, position, how you applied. They can audit you anytime.

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The benefit calculator on the Washington ESD website is pretty accurate if you want to estimate. Just remember the maximum weekly benefit amount for 2025 is $999, but at your income level you won't hit that cap.

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I tried the calculator but it was confusing about which quarters to use. Do I need to have my pay stubs ready?

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You don't need pay stubs for the calculator, just your approximate quarterly earnings. But you'll want them when you actually file your claim.

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don't forget about taxes! unemployment benefits are taxable income so you'll owe on it next year unless you have them withhold taxes

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Good reminder! I always forget about that part.

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Wait, is $600 a week gross or net? Because Washington ESD uses your gross wages, not what you take home after taxes. If that's your take-home pay, your actual weekly benefit would be lower than what people are estimating.

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It's gross - before taxes. So $600 per week gross.

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OK good, that makes the estimates more accurate then. You should be in the $300-400 range for weekly benefits.

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Don't forget you'll also need to meet the job search requirements once you start claiming. It's 3 job contacts per week minimum, and you have to keep a log of your applications.

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Job search requirements? Is that new? I thought you just had to be looking for work.

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It's been a requirement for a while. You have to actively search and document it. The Washington ESD website has all the details about what counts as a valid job contact.

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Yeah and they can audit your job search log at any time. I had a friend who got disqualified because they couldn't prove their job contacts were real.

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honestly the whole system is a mess. took me 2 months to get my first payment last time because they kept asking for more documentation. and dont even get me started on trying to reach someone by phone

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Two months?! That's terrifying. How are people supposed to pay rent?

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exactly! i had to borrow money from family. the system is broken

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One more thing - if you're worried about the calculation, you can actually create an account on the Washington ESD website and use their benefit estimator tool. It's not 100% accurate but gives you a ballpark figure based on your reported wages.

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I'll definitely check that out. Thanks for all the help everyone!

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I think the formula is actually different now post-COVID. They might have updated it in 2024. Has anyone filed recently who can confirm the current calculation?

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The basic formula hasn't changed, just the maximum benefit amount gets adjusted annually. The 3.85% calculation is still accurate.

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OK thanks for clarifying. I wasn't sure if they'd made changes to help people with the cost of living increases.

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My sister makes about the same and got $380/week when she was on unemployment last year. Took forever to get through adjudication though because they had questions about why she left her previous job.

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What kind of questions did they ask?

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Mostly about whether she quit or was laid off. Had to provide documentation from her employer.

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The whole system is a mess. I've been trying to get through to them for weeks about an overpayment notice. Tried that Claimyr thing someone mentioned and actually got through to a real person who explained what was happening.

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Really? I might have to try that. This is ridiculous.

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Yeah, wish I'd known about it sooner. Would have saved me so much stress.

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Make sure you file your claim as soon as possible after you lose your job. There's a waiting week but the sooner you file, the sooner you can start the process. And file online if you can - it's faster than trying to call.

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Good point. Is there a deadline for filing after you lose your job?

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You should file within the first week after your last day of work. You can file online 24/7 which is way easier than dealing with their phone system.

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Also remember that your benefit amount might be reduced if you have any part-time work while claiming. They have a formula for that too - I think you can earn up to 25% of your weekly benefit amount without any reduction.

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That's good to know. So if I got a small part-time job I wouldn't lose all my benefits?

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Right, but you have to report ALL work and earnings when you file your weekly claim. Even one day of work needs to be reported.

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Just remember that you can only collect unemployment for 26 weeks in Washington (unless there are extended benefits). So even if you get $400/week, that's only for about 6 months max.

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Hopefully I won't need it at all, but good to know the limits.

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If you do end up filing, make sure you file your weekly claims EVERY week even if you haven't been paid yet. Miss a week and you lose those benefits forever.

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That seems like an important detail. Thanks for the heads up.

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washington esd is such a pain to deal with, hopefully you never have to find out firsthand

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Yeah, me too. This thread has been really helpful though in case I do need to file.

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One last tip - if you do file, sign up for direct deposit immediately. Waiting for checks in the mail adds another week to getting your money.

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Good advice. I'll remember that.

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Also keep in mind that if you work part-time while collecting unemployment, they'll reduce your benefits. It's not dollar for dollar but they do deduct based on what you earn.

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That makes sense. Probably still worth working part-time though.

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Yeah, usually. Just have to report all your earnings on your weekly claim.

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The benefit calculator on their website is actually pretty accurate. Used it before I filed and it was within $20 of what I actually got.

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I'll definitely use that tool. Seems like the easiest way to get a good estimate.

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Just be prepared for a lot of paperwork and verification if you do file. They want proof of everything - your ID, work history, reason for unemployment, etc.

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I'll keep all my employment records organized just in case.

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Hope you don't need to use any of this info, but at least now you know what to expect if you do have to file for unemployment benefits.

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Exactly. Thanks everyone for all the helpful information!

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I've been through this process twice and honestly the hardest part isn't calculating your benefits - it's actually getting help when you need it. Last time I had an issue with my claim status, I used Claimyr to get through to Washington ESD and it was a lifesaver. Saved me hours of frustration trying to call myself.

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Multiple people have mentioned Claimyr now. Is it worth it even if you don't have problems with your claim?

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If you're just filing a straightforward claim, you probably won't need it. But if you run into any issues or need to talk to someone about your specific situation, it's definitely worth it.

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One thing to keep in mind is that unemployment benefits are taxable income. You can choose to have taxes withheld from your weekly payments or pay them when you file your tax return.

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Oh I didn't know that. Is it better to have them withhold taxes or pay later?

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Depends on your situation. If you're bad at saving money, having them withhold might be easier. But if you're good at budgeting, you might prefer the full amount each week.

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The Washington ESD website has a really detailed FAQ section about benefit calculations. It's worth reading through if you want to understand exactly how they determine your amount.

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I'll check that out. Thanks for the tip!

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Just want to add that if you're worried about getting laid off, you should start keeping better records of your pay now. Having organized records makes the filing process much smoother.

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Good advice. I should probably start keeping my pay stubs in a folder instead of just tossing them.

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Exactly! And if you can, set up direct deposit for your unemployment benefits when you file. Paper checks take forever to arrive.

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I had a similar income when I filed last year. Ended up getting $368 per week. The whole process took about 3 weeks from filing to getting my first payment, but that was with no complications.

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That's really helpful to know. Did you have any issues with the weekly claims process?

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No, the weekly claims are pretty straightforward. Just make sure you file them on time every week - there's no grace period.

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PSA: Don't try to game the system by lying about your income or work history. Washington ESD cross-references everything with employer records and tax data. They WILL catch discrepancies.

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Wasn't planning on it, but good to know they're thorough about verification.

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Yeah, I've seen people lose all their benefits and have to pay penalties for providing false information. It's not worth the risk.

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If you do end up needing to file, make sure you have your Social Security card and ID ready. The identity verification process can add delays if you don't have the right documents.

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Thanks for the heads up. I should probably gather all that stuff now just in case.

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The benefit amount calculation can be confusing, but the most important thing is that you're eligible in the first place. You need to have earned enough in your base year and lost your job through no fault of your own.

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How much do you need to have earned to be eligible?

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I think it's around $3,000 in your highest quarter and total base year wages of at least 1.5 times your highest quarter. At your income level, you should easily meet those requirements.

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Hope you don't end up needing unemployment, but if you do, at least you'll be prepared! The key is filing quickly and keeping good records of everything.

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Thanks everyone for all the helpful information! I feel much more prepared now if I do need to file.

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One last thing - if you're worried about calling Washington ESD for any reason, that Claimyr service really does work. I was skeptical at first but it saved me so much time and stress when I needed to get my claim issues resolved.

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Good to know there are options if I run into problems. Hopefully I won't need any of this advice though!

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Amina Sy

I just went through this exact situation last month - was making $620/week and got laid off from my retail job. My weekly unemployment benefit ended up being $387, which was pretty close to what others have estimated here. The whole process took about 4 weeks from filing to getting my first payment, but that included a brief hold while they verified my employment history. One tip I'd add is to make sure you file your initial claim on a Sunday if possible - I heard from a Washington ESD rep that Sunday filings tend to process faster since there's less system traffic. Also, definitely set up direct deposit right away like others mentioned. The paper checks really do take forever!

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