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Eduardo Silva

How much will my first unemployment check be from Washington ESD?

I just got approved for unemployment benefits after waiting 2 weeks for my claim to process. Washington ESD sent me a determination letter but I'm confused about how much my weekly benefit amount will actually be. My last job paid $52,000 a year and I worked there for 18 months. The letter mentions something about a weekly benefit amount but doesn't clearly state what my first check will be. Does anyone know how Washington ESD calculates the actual payment amount? I'm trying to budget for next month and need to know what to expect.

Your weekly benefit amount is based on your earnings from your base period, which is usually the first 4 of the last 5 completed quarters before you filed. Washington ESD takes your highest quarter earnings and divides by 26 to get your weekly amount. With $52k annual salary, you're probably looking at around $350-450 per week depending on when you worked those quarters.

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Thanks! That makes sense. I was making about $4,300 per month so that sounds right. Do they take taxes out automatically or do I need to request that?

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You can choose to have 10% federal tax withheld when you file your weekly claims. Washington has no state income tax so you don't worry about that part.

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The determination letter should show your exact weekly benefit amount. Look for 'Weekly Benefit Amount' on the first page. That's what you'll get each week if you're eligible for the full amount.

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Found it! It says $394 weekly benefit amount. So that's what my checks will be?

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Yep, that's your weekly amount as long as you meet all the requirements each week - available for work, actively seeking work, etc.

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If you're having trouble getting through to Washington ESD to ask questions about your benefit calculation, I used Claimyr (claimyr.com) to actually reach a human agent. They have this system that calls for you and gets you connected. Here's a video showing how it works: https://youtu.be/7DieNd3C7zQ. Made it so much easier than trying to call myself and getting busy signals.

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Interesting, I didn't know services like that existed. The phone lines have been impossible to get through on.

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I tried calling Washington ESD 47 times last week. FORTY SEVEN. This sounds like it might actually help.

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Just remember your first payment might be delayed if you have a waiting week. Washington ESD requires most people to serve one waiting week before benefits start, so your first payable week might not be your first week of unemployment.

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Wait, what's a waiting week? I thought I already waited 2 weeks for approval?

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The waiting week is separate from processing time. It's the first week you're eligible for benefits but don't get paid for it. You still have to file that weekly claim though.

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This is confusing. So you file for a week but don't get paid? Why would they do that?

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The maximum weekly benefit amount in Washington for 2025 is $999, and minimum is around $295. Your $394 falls right in the normal range. You'll also want to keep track of your total benefit year amount - that's usually 26 times your weekly amount, so you'd have about $10,244 total available over your benefit year.

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Good to know I'm in the normal range. Is that $10,244 total even if I find a job sooner?

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Right, that's your maximum entitlement. If you find work after 10 weeks, you still 'used' 10 weeks of benefits, but the unused portion stays available if you become unemployed again within your benefit year.

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make sure you understand the job search requirements too. you have to apply for at least 3 jobs per week and keep records. washington esd is pretty strict about this now

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Yeah I saw that in the paperwork. Do I need to use WorkSource or can I apply anywhere?

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you can apply anywhere but worksource makes it easier to track. just keep good records of where you applied and when

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One thing to watch for - if you worked part-time or had reduced hours in any quarter during your base period, that could affect your weekly amount calculation. Washington ESD uses a specific formula that looks at all your covered wages.

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This happened to me. I had a gap between jobs and it brought my weekly amount down by like $60.

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I was pretty consistent with my salary, no gaps or part-time periods, so I think I should be good.

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Don't forget you need to file your weekly claims every week to get paid, even if you haven't found work yet. You can do it online through your SecureAccess Washington account. The system usually opens Sunday morning for the previous week.

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When do payments usually come through? Same day you file or later in the week?

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Usually 1-2 business days after you file your weekly claim, assuming no issues with your claim.

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Mine always hits Tuesday if I file Sunday night.

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I've been on unemployment for 6 weeks now and still can't get through to Washington ESD when I have questions. That Claimyr thing someone mentioned earlier actually worked for me - took about 20 minutes but I finally talked to a real person who could explain my benefit calculation.

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Good to know it actually works. I might try that if I run into issues.

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How much does something like that cost? Seems like we shouldn't have to pay extra just to reach the unemployment office.

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You're right we shouldn't have to, but at least it's an option when you're stuck. Worth it to get answers about your claim.

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THE WHOLE SYSTEM IS RIDICULOUS. You work for years paying into unemployment insurance and then when you need it they make it impossible to get information or reach anyone. At least the online weekly claims work most of the time.

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I feel this so much. Lost my job after 8 years and it took 3 weeks just to get my first payment.

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Yeah it's frustrating but I'm just glad I finally got approved. Now I know what to expect for my payments.

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Quick question - does your $394 include the dependent allowance if you have kids? Washington adds extra for dependents.

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No kids, so I think that's just my base amount. How much extra do they add for dependents?

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It's like $25 per dependent child under 18, up to 5 kids I think. Not a huge amount but every bit helps.

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Remember to save some money for taxes if you don't elect withholding. Unemployment benefits are taxable income federally. I learned this the hard way last year.

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Good point. I think I'll have them withhold the 10% just to be safe.

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Smart choice. I didn't withhold and owed like $800 at tax time.

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If your benefit amount seems wrong, you can appeal the determination. You have 30 days from the date on your letter. But $394 sounds reasonable for your salary level.

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Thanks, it does seem about right based on what others are saying. I'm not going to appeal.

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Just to follow up on the Claimyr thing - I used it again this week to ask about my job search log requirements and it was super helpful. The agent walked me through exactly what documentation I need to keep. Sometimes it's worth it to actually talk to someone instead of guessing from the website.

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That's actually really useful. I've been stressed about whether I'm doing the job search requirements correctly.

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Same here. The paperwork isn't super clear about all the details.

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One last thing - make sure you report any income from side gigs or part-time work when you file your weekly claims. Washington ESD will find out eventually and you don't want an overpayment situation.

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I don't have any other income right now but I'll definitely report it if I pick up any freelance work. Thanks for the reminder.

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Yeah they cross-reference with tax records and employers. Better to be upfront about everything.

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