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Margot Quinn

How much unemployment will i get if i make $1,000 a week in Washington ESD

I'm trying to figure out what my weekly unemployment benefit would be if I lose my job. I currently make around $1,000 per week at my construction job and I want to plan ahead in case layoffs happen this winter. Does anyone know how Washington ESD calculates the weekly benefit amount? I've heard it's based on your earnings but I can't find a clear answer on their website.

Washington ESD uses your highest earning quarter from your base period to calculate your weekly benefit amount. With $1,000/week you'd be looking at around $52,000 annually. Your maximum weekly benefit would likely be in the $400-500 range, but it depends on your exact earnings pattern over the past 5 quarters.

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Thanks! So they don't just take a percentage of my current weekly pay? That's confusing.

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Nope, it's based on your quarterly earnings history. They look at your base period which is the first 4 of the last 5 completed quarters before you file.

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i think its like 60% of your average but theres a cap. my buddy was making good money and his UI was way less than he expected

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The formula is more complex than that. Washington ESD takes your highest quarter earnings, divides by 26, then applies their benefit calculation. There's definitely a maximum weekly benefit amount too.

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yeah thats what i meant, its not straightforward at all

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I was in a similar situation last year. Making about $950/week in manufacturing and when I got laid off my weekly benefit was $478. But here's the thing - I spent WEEKS trying to get through to Washington ESD to confirm my benefit calculation because their online system was confusing. I finally used this service called Claimyr (claimyr.com) that helped me actually reach an agent. They have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works. Game changer for getting real answers instead of guessing.

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That's exactly what I'm worried about - not being able to get through to anyone. How does Claimyr work?

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They basically handle the calling process for you so you don't have to sit on hold for hours or keep getting disconnected. Worth checking out if you need to actually talk to someone at Washington ESD.

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Is that one of those services that charges you? Seems too good to be true

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They do charge but honestly after wasting 3 days trying to call myself it was worth every penny. Sometimes you just need to talk to a real person about your specific situation.

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The maximum weekly benefit amount for 2025 is $999 in Washington state, but most people don't qualify for the maximum. Your benefit is calculated as the lesser of: 1) Your highest quarter wages divided by 26, or 2) The maximum weekly benefit amount.

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So if my highest quarter was $13,000 (which would be typical for me), that would be $13,000/26 = $500 per week?

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Exactly! And since $500 is less than the $999 maximum, you'd get $500 per week assuming you meet all other eligibility requirements.

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Wait this is confusing me. I thought unemployment was like 50% of what you made? So if someone makes $1000 a week wouldn't they get $500?

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That's a common misconception. It's not a simple percentage of your weekly pay. Washington ESD uses your quarterly earnings history, not your most recent weekly wage.

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That seems unnecessarily complicated. Why not just base it on your current pay?

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Because your recent pay might not reflect your typical earnings. The quarterly system smooths out fluctuations and seasonal work patterns.

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been through this whole mess with Washington ESD twice now. their system is a NIGHTMARE to navigate and getting actual help is impossible. spent literally 8 hours on hold one day just to get disconnected

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That's exactly what I'm afraid of! Did you eventually get your questions answered?

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eventually yeah but it took weeks of trying. the whole system is broken if you ask me

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For construction workers like yourself, you'll also need to consider seasonal factors. If you have periods of lower earnings during winter months, those quarters might affect your base period calculation. Make sure you understand which quarters Washington ESD will use for your calculation.

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Good point. Winter is always slower for us. Would that hurt my benefit amount?

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It could, depending on when you file. That's why it's important to understand your base period - it's the first 4 of the last 5 completed quarters when you file your claim.

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I'm dealing with Washington ESD right now for a different issue and I can confirm their phone system is awful. Has anyone tried that Claimyr thing mentioned earlier? Seems sketch but at this point I'm desperate

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I used them and they're legit. Not sketch at all - they just handle the calling process so you don't have to waste your whole day on hold. Check out their demo video if you're curious.

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I was skeptical too but tried Claimyr last month when I couldn't get through about my adjudication issue. Worked great and I finally got to talk to someone who could explain what was happening with my claim.

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construction is tough for unemployment because of the seasonal thing. my brother in law does roofing and his benefits were all over the place depending on when he filed

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Yeah that's what worries me. Some quarters I make way more than others.

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yeah exactly, timing matters a lot with when you file your claim

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Don't forget you'll also need to meet the job search requirements once you're on unemployment. Washington ESD requires 3 job search activities per week and you have to log them in WorkSourceWA.

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I didn't know about that requirement. What counts as a job search activity?

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Applying for jobs, attending job fairs, networking activities, skills training. You have to document everything in their system or risk losing benefits.

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just want to say this thread is helpful! i'm in a similar boat making about $900/week and wondering what to expect if i get laid off

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With $900/week you'd probably be looking at around $450-475 weekly benefit, assuming consistent earnings. Same calculation applies.

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The Washington ESD website has a benefit calculator tool but it's pretty basic. For a more accurate estimate with your specific earnings pattern, you really need to talk to someone. That's where services like Claimyr become valuable - they can get you connected to actually ask these questions.

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I tried their calculator but it asks for quarterly earnings and I don't have all that info handy. Might be worth trying Claimyr to get a real person to walk through it.

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Exactly. Sometimes you need human help to understand your specific situation, especially with seasonal work patterns.

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One thing to keep in mind - your unemployment benefits are taxable income. So that $500/week isn't what you'll actually take home. You can have taxes withheld or pay quarterly estimated taxes.

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Ugh, didn't think about taxes. So it's even less than the benefit amount?

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Yes, you'll owe federal and state income taxes on unemployment benefits. Plan accordingly.

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been on unemployment twice in the last 5 years and both times it was a hassle to get straight answers about benefit amounts. the washington esd system makes everything more complicated than it needs to be

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That's frustrating. Did you eventually figure out your benefit calculation?

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yeah but only after multiple calls and a lot of confusion. wish there was an easier way to get clear info upfront

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Another thing - if you do get laid off, file your claim immediately. There's a one-week waiting period before benefits start, and you can't backdate your claim to before you filed.

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Good to know. So even if I know a layoff is coming, I can't file until it actually happens?

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Correct. You have to be unemployed through no fault of your own to qualify. But file as soon as you're laid off to minimize the gap in income.

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this whole thread is making me realize how complicated the unemployment system is. seems like you need a degree just to understand how benefits are calculated lol

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It's definitely more complex than most people expect. The key is understanding that it's based on your earning history, not your current wage.

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For what it's worth, Washington state has relatively generous unemployment benefits compared to other states. The maximum weekly benefit is higher and the duration can be up to 26 weeks in normal times.

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That's reassuring at least. 26 weeks should be enough time to find something new in construction.

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Just remember you'll need to actively search for work and document your efforts. Washington ESD takes the job search requirements seriously.

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final thought - if you do end up needing to file, gather all your employment records first. pay stubs, W-2s, employment dates, etc. makes the whole process smoother

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

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Hope you don't need it but good on you for planning ahead! Construction work can be unpredictable so it's smart to understand your options.

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Exactly - better to know now than scramble to figure it out if something happens. Thanks again everyone!

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