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Olivia Harris

How much will I get on unemployment benefits from Washington ESD?

I just got laid off from my retail job last week and I'm trying to figure out how much I'll get from Washington ESD unemployment. I was making about $18 an hour working about 30-35 hours a week. Does anyone know how they calculate the weekly benefit amount? I heard it's based on your highest quarter but I'm not sure what that means exactly. Also do I need to include tips in my income calculation? I'm really stressed about making rent next month.

Washington ESD calculates your weekly benefit amount using your highest earning quarter from the past 18 months. They take that quarter's gross wages and divide by 26 to get your weekly benefit. The maximum weekly benefit for 2025 is $1,015 but most people get much less. Tips should be included if they were reported on your W-2.

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Thanks! So if my highest quarter was like $6,000 I'd get around $230 a week? That's actually better than I thought.

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Yes, that sounds about right. You can use the benefit calculator on the Washington ESD website to get a more precise estimate.

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make sure you apply as soon as possible because there's usually a one week waiting period before you start getting paid. also you have to file weekly claims every week to keep getting benefits

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I already filed my initial claim online yesterday. When do I start filing the weekly claims?

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you should get instructions in your account about when to file your first weekly claim, usually it's the sunday after you apply

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Just want to mention that if you're having trouble getting through to Washington ESD by phone to check on your claim status or ask questions, I found this service called Claimyr (claimyr.com) that helped me connect with an actual agent. They have a video demo at https://youtu.be/7DieNd3C7zQ showing how it works. Really saved me hours of trying to call.

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Is that legit? I've never heard of using a service to call Washington ESD for you.

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Yeah it's real, they basically handle the waiting on hold part and then connect you when an agent picks up. Way better than spending your whole day redialing.

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Drake

I was skeptical too but ended up using them when my claim got stuck in adjudication. Worth it just to actually talk to someone at Washington ESD.

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The amount depends on so many factors! I thought I'd get more but ended up with only $180 a week because my hours were inconsistent. Also remember you have to pay taxes on unemployment benefits - they don't automatically withhold federal taxes unless you request it.

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Oh no, I didn't think about taxes! Can I have them withhold taxes when I file my weekly claims?

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Yes, when you're filing your weekly claims there should be an option to have 10% withheld for federal taxes. I wish I had done that from the beginning.

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Washington ESD benefit calculation is: (High quarter wages ÷ 26) × 0.9 = weekly benefit amount. But there's also a minimum of $295/week and maximum of $1,015/week for 2025. Your base year is the first four of the last five completed calendar quarters before you filed your claim.

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Wait, so they multiply by 0.9? That means I get 90% of my calculated amount?

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Exactly. It's not quite the full amount of your high quarter divided by 26. The 0.9 factor reduces it slightly.

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I never knew about the 0.9 multiplier! No wonder my benefit was less than I calculated.

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DONT FORGET YOU HAVE TO DO JOB SEARCHES!!! Washington ESD requires 3 job search activities per week and they will audit you. Keep detailed records of every application and contact.

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What counts as a job search activity? Is it just applying for jobs?

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Applications, networking contacts, job fairs, even some training activities can count. Check the WorkSourceWA website for the full list.

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i been on unemployment twice and the amount was different each time even though i had similar jobs. first time got $245/week, second time only $190/week. depends on when you worked and how much

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That's confusing. I thought it would be consistent if your wages were similar.

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nope, they look at different time periods each time you apply so your 'base year' wages can be totally different

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One thing to watch out for - if you had any self-employment income or 1099 work, that might not count toward your benefit calculation unless you paid into the unemployment system. I learned this the hard way when I was doing some gig work.

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I did some DoorDash last year but not much. Will that affect my claim?

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Probably not if it was just occasional. But if it was significant income, it might not help your benefit amount since gig work usually doesn't pay into UI.

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Another tip - if your claim gets held up in adjudication or you have questions about your benefit amount, definitely try calling Washington ESD. The phone lines are crazy busy but that Claimyr service I mentioned earlier really helps cut through the wait times. Sometimes you need to talk to an actual person to get things sorted out.

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How much does that service cost? I'm already tight on money.

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It's worth checking out their site for current info. For me it was worth it to actually get through to Washington ESD instead of calling for hours and getting nowhere.

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The Washington ESD online calculator is pretty accurate for estimating your benefit. Just make sure you have your wage information from the past 18 months. Your benefit amount stays the same for your entire benefit year unless there are changes to state maximums.

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Where do I find the calculator? Is it on the main Washington ESD website?

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Yes, if you log into your SecureAccess Washington account there should be a benefit calculator tool available.

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just remember you can collect for up to 26 weeks in most cases, but you have to keep filing those weekly claims and doing your job searches. miss a week and you dont get paid for that week

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Good to know. So I need to file every single week even if nothing changes?

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yep, every week by the deadline or you lose that week's payment

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Something else to consider - if you get any severance pay or vacation payout from your employer, that might affect when your benefits start. Washington ESD has rules about how separation pay impacts your claim timing.

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I did get a small vacation payout. Will that delay my benefits?

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It depends on the amount and how Washington ESD allocates it. You should report it when you file your weekly claims and they'll tell you if it affects your payments.

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The system is so confusing honestly. I thought I'd get way more than I actually got. Make sure you understand that your benefit year starts when you file, not when you lost your job, and you can't get benefits for weeks before you filed your claim.

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Yeah, I filed pretty quickly after getting laid off so hopefully that won't be an issue.

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Good thinking. A lot of people wait too long and miss out on weeks they could have been collecting.

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Pro tip: set up direct deposit if you can. Paper checks take forever and sometimes get lost in the mail. The direct deposit through your SecureAccess Washington account is much faster and more reliable.

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Thanks! I'll set that up today. How long does it usually take to get the first payment?

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If everything goes smoothly and there's no adjudication issues, usually about 2-3 weeks after you file your initial claim.

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watch out for scams too. there are fake websites that look like Washington ESD. always make sure you're on the real esd.wa.gov site when filing claims or checking your account

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Good point, I'll be careful about that.

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yeah i almost fell for one of those fake sites once, they look really convincing

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Drake

If your claim runs into any issues or gets stuck, don't just wait around. I had to use that Claimyr service someone mentioned to actually get through to Washington ESD when my benefits got held up. Sometimes you really need to talk to an agent to resolve problems, and their phone system is impossible without help.

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Hopefully I won't need that but good to know it's an option if things get complicated.

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Drake

Yeah, most claims go through fine, but when they don't, you really need to be able to reach someone at Washington ESD.

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One last thing - keep all your documentation! Pay stubs, termination notice, any correspondence from Washington ESD. You might need it later if there are any questions about your claim or if you need to appeal anything.

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Will do. I've been saving everything just in case.

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Smart! It's better to have too much documentation than not enough when dealing with Washington ESD.

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Hope everything works out for you! The unemployment system can be stressful but once you get into the routine of filing weekly claims and doing job searches it becomes pretty manageable. Just stay on top of the requirements and you should be fine.

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

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You're welcome! Feel free to ask if you run into any other questions as you go through the process.

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