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Alice Fleming

How to calculate unemployment benefits amount in Washington ESD - confused about the formula

I'm trying to figure out how much I'll get from Washington ESD before I file my claim. I worked at three different jobs last year - full time at a warehouse making $18/hour until August, then part time retail at $15/hour, and some gig work that paid about $400/week. My friend said it's based on your highest quarter but I can't find a clear explanation of the actual calculation anywhere on the Washington ESD website. Does anyone know the exact formula they use? I want to make sure I can budget properly if I get approved.

Washington ESD uses your base year wages to calculate your weekly benefit amount. They look at your highest quarter earnings and divide by 26, but there's also a minimum and maximum. For 2025, the max weekly benefit is around $844 I think. You need to have worked in at least two quarters during your base year to qualify.

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What exactly is the base year? Is that the last 12 months or something different?

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Base year is the first four of the last five completed calendar quarters before you file. So if you file in January 2025, it would be January 2024 through December 2024.

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the calculation is confusing af, i tried to figure it out when i filed last month and gave up. just file and see what they give you lol

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I wish I could but I need to know roughly what to expect for my budget. Bills don't wait!

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I had trouble reaching Washington ESD to get clarification on my benefit calculation when I filed. Kept getting busy signals and when I did get through, I'd get disconnected. Finally found this service called Claimyr (claimyr.com) that actually got me connected to an agent who walked me through the whole calculation. They have a video demo too - https://youtu.be/7DieNd3C7zQ. Made the whole process so much easier than trying to call on my own.

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How does that work exactly? Do they just help you get through or do they stay on the call?

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They handle the calling and waiting, then connect you directly to the Washington ESD agent. No more sitting on hold for hours or getting hung up on.

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Here's the basic Washington ESD formula: Take your two highest quarters from your base year, add them together, then divide by 52. That gives you your weekly benefit amount, but it can't be more than the state maximum or less than the minimum. You also need total base year wages of at least 680 times the minimum wage.

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Wait, I thought the first person said divide the highest quarter by 26? Now you're saying two quarters divided by 52. Which is right?

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We're both partially right - Washington uses a complex formula that considers both your highest quarter and total base year wages. The actual calculation involves multiple steps.

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You're right, I oversimplified. The real formula is more complicated and has several eligibility thresholds.

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I'm dealing with the same thing right now. Filed my claim two weeks ago and still haven't heard back about my benefit amount. Starting to stress about whether I calculated my wages correctly on the application.

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Have you tried calling to check on your claim status?

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Tried calling multiple times but can never get through. Always busy or they hang up after being on hold forever.

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Let me break down the actual Washington ESD calculation step by step: 1. They determine your base year (first 4 of last 5 completed quarters) 2. Calculate total wages in your base year 3. Find your highest quarter wages 4. Check if you meet minimum requirements (wages in at least 2 quarters, total wages at least 680x minimum wage) 5. Your weekly benefit = highest quarter wages ÷ 26, subject to state min/max limits 6. Your total benefit amount = weekly benefit × number of weeks you can collect (up to 26 weeks usually

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This is super helpful! So if my highest quarter was about $9,000, I'd get roughly $346 per week?

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That sounds about right, assuming you meet all the other requirements. But Washington ESD will do the official calculation when you file.

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don't forget about taxes! they don't automatically take taxes out of unemployment so you might owe at the end of the year if you don't request withholding

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Good point, I hadn't thought about that. Can you set up tax withholding when you file the claim?

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yeah you can request 10% federal tax withholding, but you have to specifically ask for it

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the whole system is so confusing. why can't they just tell you upfront what you'll get instead of making everyone guess

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It's because everyone's work history is different. The calculation has to account for seasonal workers, part-time workers, people with gaps in employment, etc.

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Just wanted to update - I used Claimyr again last week to get connected about a different question and the agent was able to explain exactly how my benefit amount was calculated. Really wish I'd known about this service earlier instead of spending weeks trying to figure it out myself.

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Is it expensive to use that service?

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It's worth it to actually talk to someone who can give you accurate information instead of guessing or getting conflicting advice online.

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I think there might be an online calculator on the Washington ESD website somewhere. Haven't used it myself but maybe worth checking?

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I looked but couldn't find anything like that. Just general information about eligibility.

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There used to be a calculator but I think they removed it. The calculations can get pretty complex depending on your situation.

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Make sure you report ALL your wages from last year, including that gig work. Washington ESD will cross-reference with tax records and if they find unreported wages it can delay your claim or cause overpayment issues later.

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The gig work was through an app so I have 1099s for it. Should I include that even though it wasn't traditional employment?

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Yes, include all income that you received W-2s or 1099s for. Washington ESD needs the complete picture of your earnings.

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Been on unemployment twice in the past five years and both times the amount was different even though I thought I made similar wages. The calculation seems to depend on timing of when you file and which quarters they use as your base year.

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That makes sense. If I wait to file until next month, would that change which quarters they look at?

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Possibly, but don't delay filing if you're unemployed now. You can't get benefits for weeks before you file your claim.

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I'm curious about that Claimyr service someone mentioned. Has anyone else used it? I've been trying to reach Washington ESD for weeks about my adjudication status.

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I used it last month when my claim got stuck in adjudication. Took about 20 minutes to get connected and the agent was able to tell me exactly what documents I needed to submit.

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That sounds way better than the hours I've spent on hold. Going to check out their website.

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One thing to keep in mind - your benefit calculation might be different if you have any disqualifying factors like being fired for misconduct or quitting without good cause. That can reduce your benefits even if your wages qualify you for a higher amount.

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I was laid off due to slow business, so hopefully that won't be an issue for me.

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Layoffs are usually fine. It's the voluntary quits and terminations for cause that cause problems.

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honestly the best thing to do is just file your claim and see what happens. all this calculating beforehand doesn't really matter if you don't qualify for other reasons

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I understand that, but I still want to have some idea of what to expect financially.

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Based on what you described - warehouse job at $18/hour full time until August, then part-time retail - you should definitely qualify for benefits. Your warehouse wages alone probably put you over the minimum threshold. The gig work income will just add to your total.

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That's reassuring. I was worried the job changes might complicate things.

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Job changes are normal. Washington ESD just needs to see consistent work history and sufficient wages during your base year.

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Whatever you do, don't try to estimate or guess at your wage amounts when you file. Get your actual pay stubs or tax documents. Incorrect wage reporting can really mess up your claim.

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Good advice. I've been gathering all my paperwork before I file.

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The waiting is the worst part. Even after you file, it can take weeks to get your first payment while they verify everything. Make sure you have some savings to get by in the meantime.

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Yeah, that's why I'm trying to plan ahead. Thanks everyone for all the helpful information!

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One last tip - if you do have questions about your benefit calculation after you file, that Claimyr service I mentioned earlier can save you a lot of time and frustration trying to reach Washington ESD directly. The agents they connect you with can walk through your specific calculation and explain any adjustments.

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Thanks for mentioning that. I bookmarked their site for when I need to call about my ongoing claim issues.

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Good luck with your claim! The calculation stuff is confusing but once you get approved and start receiving benefits, it becomes much clearer how they arrived at your weekly amount.

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Appreciate all the help everyone. Feeling much more confident about filing now.

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