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Malik Jackson

How much unemployment will I get in Washington - need to calculate my weekly benefit amount

I just got laid off from my job at a manufacturing plant where I was making $58,000 a year. I've never filed for unemployment before and I'm trying to figure out how much my weekly benefit amount will be from Washington ESD. I know it's based on your earnings but I can't find a clear calculator anywhere. Does anyone know the formula they use? I need to budget for the next few months while I look for work.

Washington ESD calculates your weekly benefit amount using your highest earning quarter from your base year. They take your total wages from that quarter and divide by 26. The maximum weekly benefit for 2025 is $999 per week. You'll also need to meet the minimum earnings requirements.

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Thanks! So if my highest quarter was around $15,000, I'd get about $577 per week? That seems like a lot compared to what I expected.

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That sounds about right. Remember you'll also get the additional $25 per week if you have dependents.

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i think its more complicated than that, they look at multiple quarters not just your highest one. also theres a minimum you have to earn in your base year or you dont qualify at all

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Do you know what the minimum is? I worked the full year so I should be okay but want to make sure.

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i think its like $3800 in your highest quarter and then you need earnings in at least 2 quarters but dont quote me on that

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The Washington ESD website has all this information but honestly it's confusing as hell. I spent hours trying to figure out my benefit amount when I got laid off last year. If you're having trouble getting through to them by phone to ask questions, I used a service called Claimyr that helped me reach an agent quickly. They have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Saved me from sitting on hold for hours.

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How much does something like that cost? I'm already worried about money.

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I don't remember the exact cost but it was worth it to actually talk to someone who could explain my specific situation. Check out claimyr.com if you're interested.

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Never heard of this but might be worth it if you really can't get through the normal way.

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Your weekly benefit amount is calculated using the quarter method mentioned above, but there are some additional factors. Washington state also looks at your total base year earnings to determine duration. You can receive benefits for up to 26 weeks in most cases. The exact formula is: take your highest quarter wages, divide by 26, but it can't exceed 63% of the state average weekly wage.

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So there's a cap based on the state average? What's that number for 2025?

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The maximum weekly benefit amount for 2025 is $999, which is 63% of the current state average weekly wage.

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DONT COUNT ON GETTING THE FULL AMOUNT!!! They find every excuse to reduce your benefits or deny your claim entirely. I was supposed to get $650 a week but they said I quit voluntarily even though I was clearly laid off. Fighting with Washington ESD for months now.

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That's terrifying. How can they say you quit if you were laid off? Don't you have documentation?

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OF COURSE I have documentation but they dont care. The adjudicator assigned to my case hasn't responded to my appeals in 6 weeks.

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This is exactly why I mentioned Claimyr earlier - sometimes you need to actually speak to someone to get these issues resolved instead of waiting forever for responses.

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Just to clarify the calculation since there's some confusion here - Washington ESD looks at all four quarters in your base year, not just the highest one. They use your highest quarter to calculate the weekly amount (quarter total ÷ 26) but you need minimum earnings spread across the base year to qualify at all.

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thank you for clearing that up, i knew it was more than just one quarter

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So they use the highest quarter for the weekly amount but all quarters to determine if I qualify in the first place?

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Exactly. You need at least $3,885 in your highest quarter AND total base year earnings of at least 1.5 times your high quarter amount.

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Also keep in mind that your benefit year starts when you file your initial claim, not when you lost your job. So don't delay filing if you're eligible. The sooner you apply, the sooner your benefits can start.

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Good point. I was laid off last Friday so I should probably file this week.

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Yes, definitely file soon. You can file online through the Washington ESD website or by phone, but online is usually faster.

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One thing nobody mentioned yet - your benefit amount might be different if you worked in multiple states or if you were in the military. Washington has interstate agreements that can affect your calculation.

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I only worked in Washington so that shouldn't apply to me, but good to know for others reading this.

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The calculation seems straightforward but Washington ESD's system is so outdated. When I filed last year it took them 3 weeks just to process my initial claim and another 2 weeks to get my first payment. Plan for delays.

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Three weeks?? I was hoping to get my first payment within a week or two.

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That was during a busy period but yeah, don't expect it immediately. They're understaffed and the computer system crashes regularly.

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For what it's worth, when I had questions about my benefit calculation, I used that Claimyr service I mentioned earlier and was able to speak with an Washington ESD agent the same day. They walked me through exactly how my amount was calculated and explained why it was lower than I expected. Much better than trying to guess from the website.

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How quickly did they get you through? I've been trying to call Washington ESD for days.

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It was pretty fast - maybe 20 minutes total including the wait time. Way better than the 2+ hours I wasted trying to call directly.

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just a heads up - your first payment might be less than your calculated weekly amount because of the waiting week. washington doesnt have a waiting week anymore but some people still get confused about this

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What's a waiting week?

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it used to be that you had to wait one week before getting benefits but they eliminated that a few years ago. some states still have it though

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Don't forget about taxes! Your unemployment benefits are taxable income. You can choose to have taxes withheld or pay them when you file your return next year.

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Ugh, I forgot about taxes. Is it better to have them withheld or pay later?

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Depends on your situation, but I usually recommend having 10% withheld so you don't get hit with a big tax bill next April.

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The benefit calculator on Washington ESD's website never worked for me either. Always gave me error messages or crashed halfway through. Super frustrating when you're trying to plan your budget.

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Yeah I tried that too and couldn't get it to work. That's why I came here asking.

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Remember you'll need to file weekly claims to actually receive your benefits. It's not automatic once you're approved. You have to certify every week that you're still unemployed and looking for work.

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How do you file weekly claims? Is it online?

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Yes, you can do it online through your Washington ESD account or by phone. Most people use the website since it's available 24/7.

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Based on your $58k salary, you're probably looking at somewhere between $500-600 per week depending on how your earnings were distributed throughout the year. That's just a rough estimate though.

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That range sounds reasonable based on what others have said. I guess I'll know for sure once I file.

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Make sure you have all your employment info ready when you file - employer names, addresses, dates of employment, reason for separation. Washington ESD will verify everything with your employers.

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Good reminder. I have most of that but I'll need to look up some addresses.

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The whole system is a mess honestly. I've been waiting 5 weeks for my adjudication to complete because they can't verify my identity or something. Meanwhile bills keep coming.

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Five weeks for identity verification? That seems excessive.

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This is another situation where talking to an actual person helps. I had a similar identity issue that got resolved quickly once I explained it to an agent through Claimyr.

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If you're really worried about the amount, you can always try to get a part-time job while collecting benefits. Washington allows you to work and still receive partial unemployment as long as you report your earnings.

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How does that work exactly? Do they reduce your benefits dollar for dollar?

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No, there's a formula. You can earn up to about $200 per week without any reduction, then they start reducing your benefits gradually.

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Bottom line - file your claim ASAP and don't stress too much about the exact amount until you get your determination letter. Washington ESD will calculate it for you and send you a detailed breakdown.

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Thanks everyone for all the help. I'm going to file my claim this weekend.

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Good luck! It's not as scary as it seems once you get started.

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