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Dmitry Petrov

How much would I receive unemployment benefits from Washington ESD?

I'm thinking about filing for unemployment but want to know what to expect payment-wise. I made about $52,000 last year working full time at a retail management job. Does anyone know how Washington ESD calculates the weekly benefit amount? I've heard it's based on your highest earning quarter but I'm not sure how that works exactly. Also wondering if there are any deductions or taxes taken out automatically?

Washington ESD uses your highest earning quarter from your base period (usually the first 4 of the last 5 completed calendar quarters). They take that amount, divide by 26, then you get roughly 3.85% of your total wages during the base period as your weekly benefit. With $52k annually, you're probably looking at somewhere between $650-750 per week, depending on how your earnings were distributed.

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That's way more than I expected! So it's not just a percentage of my last paycheck?

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Nope, it's based on your entire base period earnings. The formula is designed to replace a portion of your lost wages, not just match your most recent pay.

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just a heads up - there IS a maximum weekly benefit amount in Washington. I think it's around $844 right now for 2025, so even if your calculation comes out higher, you won't get more than that cap.

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Good to know there's a ceiling. Still sounds like it would be a decent amount to help with bills.

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The max changes every year based on the state's average weekly wage, so it might be different by the time you actually file.

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You can actually get an estimate before you file! When I was trying to figure out my potential benefits, I used Claimyr.com to help me get through to an actual Washington ESD agent who walked me through the calculation based on my specific work history. Way easier than trying to figure it out myself with all those quarters and percentages. They also have a demo video at https://youtu.be/7DieNd3C7zQ that shows how their service works.

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That sounds really helpful! Did they charge you for that consultation?

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The service helps you get connected to Washington ESD agents, so you're still talking to the official representatives who can give you accurate information. Much better than waiting on hold for hours.

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I've never heard of that service but honestly anything that helps get through to Washington ESD faster sounds worth it. Their phone lines are impossible.

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Don't forget about taxes! Washington doesn't have state income tax, but you'll still owe federal taxes on unemployment benefits. You can choose to have 10% withheld automatically when you certify each week, or you can pay quarterly/annually. I learned this the hard way and owed a bunch at tax time.

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Oh wow, I didn't even think about taxes. So if I get $700/week, I should probably have them take out $70 for federal taxes?

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That's what I'd recommend. Better to have it taken out than get hit with a big tax bill later.

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the whole calculation thing is confusing AF. i just filed and let them figure it out. took like 2 weeks to get my first payment but it was more than i thought it would be

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How long did the whole process take from filing to getting paid?

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filed on a tuesday, got approved the following monday, first payment came the week after that. pretty quick actually

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That's faster than I expected! I keep hearing horror stories about people waiting months.

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One thing to keep in mind - your benefit amount also determines how many weeks you can collect. In Washington, you can receive up to 26 weeks of regular unemployment, but the total dollar amount you can receive is limited to 30% of your total base period wages. So higher earners might hit that dollar limit before they hit the 26-week limit.

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Wait, so I might not get the full 26 weeks even if I'm still unemployed?

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It's possible, but with your income level it's more likely you'll hit the time limit before the dollar limit. The dollar limit mainly affects very high earners.

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I'm in a similar situation and was wondering the same thing. Been putting off filing because I wasn't sure if it would be worth the hassle for what I might get. Sounds like it actually could be substantial help.

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Yeah same here! I was worried it would be like $200/week or something barely worth it.

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Don't wait too long to file if you're eligible. There's usually a waiting week, and you can't get benefits for weeks before you actually apply.

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Just remember you have to meet the job search requirements too. It's not just free money - you need to be actively looking for work and document your search activities. Washington ESD requires at least 3 job search activities per week.

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What counts as a job search activity? Just applying to jobs?

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Applying to jobs, networking events, career fairs, informational interviews, job training activities. They have a whole list on their website.

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You also have to register with WorkSource Washington. They'll tell you about that when you file your claim.

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The Washington ESD website has a benefit calculator tool, but honestly it's pretty confusing to use. I tried it and got a completely different number than what I actually ended up receiving. The formula they use isn't straightforward.

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Yeah I looked at that calculator and couldn't figure out which quarters to use or how to calculate my base period.

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That's exactly why I ended up using Claimyr to talk to someone at Washington ESD directly. So much easier to have them explain it based on your actual situation rather than trying to guess with online calculators.

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MAKE SURE you have all your employment information ready when you file. They need employer names, addresses, dates of employment, and your gross wages for each job. Missing info can delay your claim.

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Good point. I should probably gather all my pay stubs and W-2s before I start the application.

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Also have your Social Security card and ID ready. The online application asks for all that stuff upfront.

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One more thing - if you've had multiple jobs or gaps in employment, that can affect your base period calculation. Washington ESD will use the quarters that give you the highest benefit amount, but if you haven't worked consistently, your benefits might be lower than expected.

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I've been at the same job for 3 years, so hopefully that makes it straightforward.

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That should definitely work in your favor. Steady employment usually means a higher benefit calculation.

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honestly the whole system is so complicated. i wish they just had a simple chart like 'if you made X, you get Y per week' instead of all these formulas and base periods and quarters

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Right? Why does it have to be so complicated to figure out?

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Because everyone's work history is different. The formula is actually designed to be fair to people with varying income patterns.

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Quick question - does the benefit amount change if you find part-time work while collecting unemployment? I might be able to get some freelance work but don't want to mess up my benefits.

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Yes, part-time earnings can reduce your weekly benefit amount. Washington has an earnings disregard formula - you can earn up to 25% of your weekly benefit without any reduction, then they start deducting dollar-for-dollar after that.

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Good to know. So a little bit of work won't completely kill my benefits.

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I just want to add that even though the benefit amount might seem good, don't count on it lasting forever. The job market is competitive right now and Washington ESD does check up on your job search activities. Take the search requirements seriously.

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Definitely planning to use the time to find something better than my last job, not just coast on benefits.

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That's the right attitude. Unemployment is supposed to be temporary assistance while you find new work.

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Last tip - keep detailed records of everything. Your job applications, your weekly certifications, any correspondence with Washington ESD. If there are ever any issues with your claim, having documentation saves you a lot of headaches.

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Thanks for all the advice everyone! This has been really helpful in understanding what to expect.

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Good luck with your claim! The process is usually pretty smooth if you have all your information ready.

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