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Caleb Stark

How much will I make on Washington ESD unemployment benefits?

Just got laid off from my job at a local restaurant where I was making about $18/hour working 35-40 hours a week. I've never filed for unemployment before and honestly have no idea what to expect. Does anyone know how much Washington ESD pays out? I'm trying to figure out if I can cover my rent and bills while I look for another job. Also, how long does it take to actually start getting payments once you file?

Washington ESD calculates your weekly benefit amount (WBA) based on your earnings during your base year, which is typically the first four of the last five completed calendar quarters before you filed. They take your highest earning quarter and divide by 26, then that's your weekly amount. There's also a minimum of $295/week and maximum of around $999/week as of 2025.

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So if I made like $8,000 in my best quarter, I'd get around $307 per week? That's actually not as bad as I thought.

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Exactly! And remember you can earn up to your WBA minus $5 if you do part-time work while claiming.

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the formula is confusing but theres a calculator on the washington esd website that helps. i think its under the benefits estimator tool or something

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I'll look for that calculator, thanks! Do you remember if it was pretty accurate?

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yeah it gave me the exact amount i ended up getting when my claim was approved

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Washington ESD calculates your weekly benefit amount based on your highest earning quarter from the past year. Generally it's around 60-65% of your average weekly wage, but there's a maximum weekly benefit amount that changes each year. For 2025, the max is around $999 per week. If you were making $18/hour for 35-40 hours, you're probably looking at somewhere between $450-550 per week depending on your exact earnings history.

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That would actually help a lot! My rent is $1200 so that plus some side work might get me by. Do you know how they calculate the exact amount?

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They look at your base year earnings (the first 4 of the last 5 completed quarters) and find your highest quarter. Then they divide that by 26 to get your weekly benefit amount. It's all automatic once you file your claim.

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I was in a similar situation last year and honestly the hardest part wasn't figuring out the amount, it was actually getting through to Washington ESD to check on my claim status. I spent weeks calling and either getting busy signals or being on hold for hours only to get disconnected. Finally found this service called Claimyr (claimyr.com) that actually got me connected to an ESD agent within minutes. They have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Game changer for dealing with all the phone issues.

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Wait really? I've been trying to call Washington ESD for over a week about my pending claim. How much does that service cost?

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It's worth it just to avoid the phone nightmare. Check out their site for details but honestly after spending my own time calling for days it was a relief to just get connected quickly.

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I'm always skeptical of these third-party services but if it actually works...

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The weekly amount varies a lot depending on your work history. I was making $25/hour full-time and got around $520/week. But my friend who worked part-time retail got closer to $300. It's all about that base year calculation they use.

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That gives me a good idea of the range. $300-ish would cover most of my essential bills at least.

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Don't forget you also have to pay taxes on unemployment benefits! I learned that the hard way.

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Keep in mind you won't get paid right away. There's usually a waiting week, and if there are any issues with your claim it can take weeks to resolve. I've been waiting 3 weeks for my adjudication to clear.

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Oh no, what kind of issues? I thought it would be pretty straightforward since I was laid off.

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Sometimes they need to verify your separation reason with your employer, or if you had any gaps in employment they might question your availability. Just be prepared that it might not be immediate.

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If you're having trouble getting through to Washington ESD to check on your claim status or ask questions about your benefit amount, I had good luck with Claimyr. It's a service that helps you actually reach an agent at claimyr.com. They have a video demo at https://youtu.be/7DieNd3C7zG that shows how it works. Saved me hours of calling and getting busy signals.

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I haven't even filed yet but good to know there's help if I need it. The Washington ESD website is pretty confusing.

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Yeah I used something similar when I couldn't get through. Sometimes you just need to talk to a real person to understand your situation.

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WASHINGTON ESD'S BENEFIT CALCULATOR IS BURIED ON THEIR WEBSITE BUT IT EXISTS. Also remember you have to be actively looking for work and log your job search activities every week when you file your weekly claim. They require 3 job search activities per week minimum.

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Good point about the job search requirements. Do they actually check those logs?

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They can audit your job search log at any time and if you can't prove you did the required activities, they'll disqualify you and make you pay back benefits.

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Yep, happened to my cousin. She got sloppy with documenting her job searches and they hit her with an overpayment notice for like $2,000.

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Restaurant workers often have variable income so your benefit calculation might be tricky. Make sure you have all your paystubs from the last 18 months when you file. Washington ESD will look at all quarters in your base period, not just your most recent job.

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I've been at this restaurant for 2 years but before that I had a different job that paid more. Will that help my benefit amount?

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Yes definitely! If your higher-paying job falls within your base period, that could increase your weekly benefit amount significantly. Washington ESD uses your best quarters.

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i've been on unemployment twice and the amount was different each time because my work history changed. first time i got $415/week, second time only $380 because I had a gap in employment

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So recent gaps in work can lower your benefit amount? That's something to keep in mind.

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yeah because they look at a specific time period for your base year wages. if you had months with no income it brings down your quarterly totals

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Just a warning - you have to file weekly claims every week to keep getting paid, and you have to do job searches. I think it's 3 job contacts per week in Washington. Don't slack on that or they'll stop your benefits.

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3 job searches per week doesn't sound too bad. Do they check on that?

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They can audit your job search log at any time so keep good records. I use WorkSourceWA to track mine - it's connected to the Washington ESD system.

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Actually I think it's been reduced to 2 job contacts per week but yeah definitely keep track of everything.

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The whole system is a nightmare tbh. I filed 6 weeks ago and still haven't seen a dime. They keep saying my claim is under review but won't tell me what for. Meanwhile bills keep coming.

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That's exactly what I'm worried about. Did you try calling them?

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Tried calling probably 50 times. Either busy signal or they hang up after an hour on hold. It's ridiculous.

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This is exactly why I mentioned Claimyr earlier. When you're stuck in adjudication limbo, sometimes you need to get an actual agent on the phone to move things along.

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The maximum benefit amount changes every year based on the state's average wage. In 2025 it's $999/week but you'd need to have made really good money consistently to hit that max. Most people get somewhere between $300-600 per week.

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I'm curious who actually gets that $999 max. Must be people making like $60K+ annually?

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Pretty much, yeah. High earners in tech, healthcare, finance, etc. The average person gets way less than the maximum.

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Something I wish someone had told me - your unemployment benefits are taxable income! You can choose to have taxes withheld from each payment or pay it all at tax time. I chose to have 10% withheld and it saved me from a huge tax bill.

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Oh wow, I hadn't thought about taxes at all. Is that something you set up when you first file your claim?

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Yes, there's an option during the application process to withhold federal taxes. I'd recommend it unless you're good at saving money for taxes.

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been trying to get clarification on my benefit amount for weeks but can't get through to ESD. their phone system is absolutely broken. tried calling 200+ times

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This is exactly why I ended up using Claimyr. The Washington ESD phone system is completely overwhelmed and you can waste entire days trying to get through.

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might have to look into that claimyr thing you mentioned earlier. this is ridiculous

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Your benefit amount also determines how long you can collect. Washington gives you up to 26 weeks of benefits, but it's calculated as your weekly benefit amount times 26, or your total base year wages divided by 4, whichever is less.

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So some people might not get the full 26 weeks? I thought everyone got 6 months.

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Right, if you didn't work much during your base year, your total benefit amount might run out before 26 weeks. It's all connected to your work history.

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Don't forget you'll owe taxes on unemployment benefits. They don't automatically withhold federal taxes so you might want to set aside some money or request withholding when you file your weekly claims.

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Ugh I didn't even think about taxes. How much should I set aside?

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Depends on your tax bracket but maybe 15-20% to be safe. You can elect to have 10% withheld for federal taxes when you file your weekly claims.

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PSA: Don't quit your job thinking you'll get unemployment! You have to be laid off, terminated without cause, or have qualifying reasons like unsafe working conditions. Quitting usually disqualifies you unless you can prove good cause.

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What counts as 'good cause' for quitting? Asking for a friend who's dealing with a hostile work environment.

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Things like harassment, discrimination, unsafe conditions, or significant changes to your job duties/pay. But you need documentation and Washington ESD will investigate.

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Also worth mentioning - if you find part-time work while collecting unemployment, you can still get partial benefits as long as you report the hours and wages. Washington ESD has a partial benefit calculator on their website.

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That's good to know! I might be able to pick up some shifts at other restaurants while I look for full-time work.

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Just make sure you report everything honestly. They cross-check with employers and if they catch you not reporting income, you'll have to pay it all back with penalties.

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The maximum benefit period is 26 weeks in Washington, but that can get extended during high unemployment periods. Right now I think it's just the standard 26 weeks.

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26 weeks should be plenty of time to find something. Hopefully the restaurant industry picks up again soon.

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I calculated mine wrong at first because I forgot about the waiting week. Washington ESD doesn't have a waiting week anymore (they eliminated it during COVID) but some people still think there is one.

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Good to know! So I can get paid for my first week if my claim is approved?

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Yep, no waiting week in Washington. You get paid for the first week you're unemployed and eligible, as long as you file your weekly claim on time.

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The benefit calculator is helpful but remember it's just an estimate. Your actual amount might be slightly different based on how Washington ESD processes your wage information. Sometimes employers report wages differently than you expect.

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Should I contact my old employer to make sure they reported my wages correctly?

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Washington ESD will contact employers directly for wage verification. You can see your reported wages in your eServices account once your claim is processed.

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just remember you have to file a weekly claim every week even if you haven't heard back about your benefit amount yet. if you miss filing a weekly claim you lose that week's benefits permanently

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Even if my claim is still pending? I don't want to mess anything up.

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yes! keep filing weekly claims no matter what. if your claim gets approved they'll pay you for all the weeks you filed, but they can't pay for weeks you didn't file

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For what it's worth, I've used Claimyr twice now when I needed to actually talk to someone at Washington ESD about benefit calculations and claim issues. Both times they got me connected within 10 minutes when I'd been trying to call for days on my own. Worth every penny to avoid the runaround.

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I keep seeing people mention this service. Is it legit or just another scam taking advantage of people's desperation?

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It's completely legitimate. They don't ask for your personal info or login details - they just help you get through the phone queue to talk to actual ESD agents. Check out their demo video, it explains everything.

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My advice: apply ASAP and don't overthink the benefit amount calculation. Washington ESD will determine your exact weekly benefit amount based on your wage history, and you'll see it in your eServices account once approved. Focus on getting your application submitted properly first.

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You're right, I should just file and see what happens. Thanks everyone for all the helpful info!

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Good luck! The application process can be confusing but it's worth getting benefits if you qualify. Don't give up if you hit snags - lots of people have issues initially.

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One last thing - if you get approved and then find part-time work, you can still collect partial benefits as long as you report your earnings. The formula is your weekly benefit amount minus your earnings minus $5. So if you get $400/week and earn $100, you'd still get $295 in benefits.

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That's really helpful to know! I was worried that any work income would disqualify me completely.

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Nope, Washington encourages part-time work while on unemployment. Just be honest about all earnings when you file your weekly claims.

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Quick tip - file your claim on Sunday if possible. The Washington ESD system is usually less busy early in the week. And file as soon as possible after your last day of work, don't wait around.

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My last day was Friday so I'll file this weekend. Thanks for all the advice everyone!

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Good luck! The first claim can be intimidating but it's really not that bad once you get through it.

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One more thing - keep your job search requirements up even if you think you might get called back to your old job. I made that mistake and had to appeal a disqualification. Took months to resolve.

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They didn't say anything about calling me back but I'll definitely keep looking. Better safe than sorry.

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If you get stuck in the system like some of us have, don't give up. I was in adjudication for 7 weeks before I finally got through to someone who could help. Sometimes persistence is the only way.

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7 weeks?? How did you survive that long without income?

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Credit cards and help from family. Not ideal but they did pay me retroactively for all the weeks I was eligible. Just took forever to get resolved.

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This is another situation where getting an agent on the phone through Claimyr really helps. Seven weeks is way too long to be stuck in adjudication without any communication.

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Make sure you understand the difference between being able and available for work vs being on standby. If your restaurant said they might call you back, that could affect your claim status.

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They didn't mention calling me back, it was a permanent layoff due to slow business. Should I mention that specifically when I file?

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Yes, be clear about the separation reason. 'Lack of work' or 'business closure' are different from temporary layoffs and affect your claim differently.

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The monetary determination you get after filing will show exactly how much you qualify for. Don't panic if the online calculator estimate is different from your actual award - they use your real wage data not just estimates.

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When do you typically get that determination? Right after filing?

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Usually within a week or two of filing your initial claim. It'll come by mail and also show up in your online account.

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Restaurant industry is tough right now but there are jobs out there. Use this time to maybe learn some new skills or consider related fields like catering, food service management, etc. Unemployment gives you a chance to be strategic about your next move.

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That's a good point. I've been thinking about getting my food safety certification. Might make me more marketable.

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Don't forget to check if your employer is fighting your claim. Sometimes they'll dispute it to avoid having their unemployment insurance rates go up. If that happens, you'll need to participate in a hearing.

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How would I know if they're fighting it? And what kind of hearing?

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Washington ESD will send you a notice if there's a dispute. It's usually a phone hearing where you explain your side of the story. Just be honest about what happened.

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Bottom line - file as soon as possible, be honest about everything, keep good records of your job search, and don't be afraid to ask for help if you get stuck. The system can be confusing but most people do get their benefits eventually.

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Thanks everyone, this has been super helpful. Going to file this weekend and hope for the best!

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Good luck! Feel free to come back here if you run into any issues. Lots of people here have been through it all.

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