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Abigail bergen

How to calculate unemployment insurance benefits in Washington ESD - need help figuring out my weekly amount

I'm trying to figure out how much I'll get for unemployment benefits before I file with Washington ESD. I've been working at a warehouse for the past 2 years making $22/hour, usually 40 hours a week. Sometimes I got overtime but not consistently. I know they look at your wages from like the past year or something but I'm confused about how they actually calculate the weekly benefit amount. Do they use gross pay or net? And what if I had a few weeks where I was sick and didn't work full time? I'm worried I won't qualify for much since I heard Washington state has some weird formula. Can someone break this down for me?

Washington ESD uses your highest earning quarter from your base period to calculate benefits. Your base period is the first 4 of the last 5 completed quarters before you file. They take your highest quarter wages, divide by 26, then multiply by about 0.04 to get your weekly benefit amount. There's a minimum and maximum though.

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So it's based on quarters not my whole year? That's confusing. What if my highest quarter was when I was working tons of overtime?

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That would actually work in your favor! The higher your wages in that quarter, the higher your weekly benefit up to the state maximum.

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i think its more complicated than that... theres also something about needing minimum wages in multiple quarters not just one high quarter

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You're right, you need wages in at least two quarters of your base period and total wages of at least 680 times the minimum wage to qualify at all.

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yeah thats what i thought, my cousin got denied because he only worked part of the year

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The exact formula is: Weekly Benefit Amount = (Highest Quarter Wages ÷ 26) × 0.0385. But there's a minimum of $295/week and maximum of $999/week as of 2025. So if you made $15,000 in your highest quarter, that's $15,000 ÷ 26 = $576.92, then $576.92 × 0.0385 = $22.21... wait that doesn't seem right.

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I think you messed up the math there. It should be way higher than $22.

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You're absolutely right, I mixed up the formula. Let me recalculate: $15,000 ÷ 26 = $576.92. The weekly benefit is actually a percentage of that, around 50-60% typically.

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Honestly the Washington ESD website has a benefit calculator but it's not super clear. What really helped me was calling them directly to get my exact amount calculated, but good luck getting through! I must have called 50 times before I got someone. There's actually a service called Claimyr (claimyr.com) that helped me get through to an actual agent. They have this video demo that shows how it works: https://youtu.be/7DieNd3C7zQ. Saved me hours of busy signals.

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Really? That sounds too good to be true. How much does something like that cost?

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I was skeptical too but it actually worked. They don't charge you unless they get you connected to an agent, which seemed fair to me.

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I've heard of services like this but never tried one. Might be worth it if you really need to talk to someone at Washington ESD.

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Wait, are we talking about regular unemployment or standby? Because standby has different calculations I think.

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Just regular unemployment. I got laid off permanently, not temporarily.

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Ok good, standby is a whole different beast with union requirements and stuff.

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The sick days you mentioned shouldn't matter as long as you still had wages reported for those weeks. Washington ESD looks at actual wages paid, not hours worked. So if you got paid sick leave, that counts toward your base period wages.

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That's a relief! I was worried those weeks would hurt my calculation.

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Nope, any wages your employer reported to Washington ESD will be included in the calculation.

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Just went through this myself. Made about $25/hour at my job and my weekly benefit came out to around $580. The key thing is they use GROSS wages, not what you actually took home after taxes.

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That's helpful to know it's gross wages. Makes the calculation easier.

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Yeah gross wages makes sense since they're trying to replace a percentage of your actual earnings capacity.

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Pro tip: if you're close to the quarter cutoff dates, it might be worth waiting a few days to file so a higher-earning quarter gets included in your base period calculation.

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Interesting point. How do I know when the quarter cutoffs are?

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Quarters end March 31, June 30, September 30, and December 31. If you file right after a quarter ends, that new quarter might have higher wages than an older one in your base period.

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This is all so confusing! Why can't Washington ESD just make this simpler? I've been trying to figure out my benefits for weeks and every website says something different.

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I feel you. The whole unemployment system is needlessly complicated. That's why so many people end up calling for help.

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Exactly! But then you can't even get through when you call. It's like they don't want to help people.

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One thing to remember is that you can't get more than 26 weeks of regular unemployment benefits in Washington, so even if your weekly amount is high, there's still a time limit on how much total you can receive.

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Good point. I'm hoping to find work before then anyway.

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That's the right attitude. Unemployment is meant to be temporary while you search for new work.

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For what it's worth, Washington's unemployment benefits are actually pretty decent compared to other states. The maximum weekly benefit of $999 is higher than most places.

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True, but the cost of living here is also higher than most places, so it evens out.

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Fair point about cost of living. Still better than getting $200/week like some states.

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I used that Claimyr service someone mentioned earlier and it was actually legit. Got connected to a Washington ESD agent in like 20 minutes instead of calling all day. The agent walked me through my exact benefit calculation and explained everything clearly.

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That's good to hear from someone else. Might be worth trying if I can't figure this out on my own.

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I'm always skeptical of services like that but if it actually works it could save a lot of frustration.

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Don't forget you also need to meet the job search requirements once you start collecting. That's 3 job search activities per week in Washington, and they can audit your job search log anytime.

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Yeah I read about that. Seems reasonable though, I want to find work anyway.

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Just make sure you keep good records in WorkSourceWA. They're pretty strict about the job search requirements.

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Quick question - does overtime pay count the same as regular pay for the benefit calculation? I had a lot of overtime in my highest quarter.

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Yes, all wages count equally. Overtime, bonuses, commissions - anything your employer reports as wages to Washington ESD gets included.

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Perfect, that should boost my weekly benefit amount then.

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the math is: take your highest quarter wages, divide by 26, then take about 50% of that. thats roughly your weekly benefit amount. not exact but close enough for planning

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That's a much simpler way to think about it. Thanks!

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yeah all the detailed formulas are confusing but that rough calculation will get you in the ballpark

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Make sure you file as soon as possible after becoming unemployed. There's no waiting period in Washington for the first week, and you can't get benefits for weeks before you file your initial claim.

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Good to know there's no waiting period. I'll file this week.

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Exactly, don't wait around. The sooner you file, the sooner you can start receiving benefits.

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One last thing - make sure all your employers from the base period are listed correctly on your claim. If Washington ESD is missing wages from an employer, it will lower your benefit calculation.

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How would I know if they're missing wages?

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When you file your claim, they'll show you the wages they have on record. Compare that to your pay stubs to make sure everything is included.

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Got it. I'll definitely double-check that when I file. Thanks everyone for all the help!

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