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Natalie Chen

How to claim unemployment benefits in Washington - complete step by step guide needed

I just got laid off from my job at a tech company and I've never filed for unemployment before. I'm completely lost on how to claim unemployment benefits through Washington ESD. I've heard there's an online system but I don't know where to start or what documents I need. Can someone walk me through the entire process step by step? I'm worried I'm going to mess something up and delay my benefits.

The first step is to file your initial claim on the Washington ESD website at esd.wa.gov. You'll need your Social Security number, driver's license, and employment information for the last 18 months including employer names, addresses, dates of employment, and gross wages. Make sure you have your most recent pay stub too.

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Do I need to wait a certain amount of time after being laid off before I can file? Or should I do it immediately?

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File as soon as possible! Your benefit year starts the week you file, not the week you lost your job. Waiting just costs you money.

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After you file your initial claim, you'll need to file weekly claims every week to actually receive benefits. This is super important - you have to file every single week even if you haven't received your first payment yet. The weekly claims ask about any work you did and money you earned that week.

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What happens if I miss filing a weekly claim? Can I go back and file it later?

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You can file late weekly claims but only within a certain timeframe. It's much better to just file on time every week. Set a reminder on your phone.

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I missed two weeks once and it was a nightmare trying to fix it. Washington ESD made me provide documentation for why I missed filing. Just don't miss them.

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One thing that helped me when I was struggling to get through to Washington ESD was using Claimyr. It's a service that helps you actually reach a real person at ESD when you call. Check out claimyr.com - they have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works. Way better than spending hours on hold.

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Is that service legit? Seems too good to be true.

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Yeah it's real. I was skeptical too but it actually worked. Got through to someone in like 20 minutes instead of the usual 3+ hours of calling.

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Good to know this exists! I'll probably need to call them at some point.

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Don't forget about the job search requirements! You need to make at least 3 job search contacts per week and keep detailed records. Washington ESD can audit your job search log at any time. Use WorkSourceWA to track your activities - it connects directly to your ESD account.

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What counts as a valid job search contact? Is just applying online enough?

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Applying online counts, but you need the employer name, position, date, and method of contact. Networking events, career fairs, and informational interviews also count.

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I got audited last year and they wanted EVERYTHING. Screenshots of applications, email confirmations, the whole nine yards. Keep good records!

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The waiting period is usually one week, but your claim might go into adjudication if there are any issues. Mine took 6 weeks to get approved because they had to verify my separation reason with my employer. Don't panic if it takes longer than expected.

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What exactly is adjudication? Should I be worried if that happens?

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Adjudication is when they need to investigate something about your claim - usually the reason you lost your job or eligibility issues. It's normal but frustrating.

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My adjudication took FOREVER. I ended up using Claimyr to get through and ask about the status. The rep was able to tell me exactly what was holding it up.

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Make sure you're available for work and actively seeking employment. If you're not available for any reason (vacation, illness, etc.), you need to report that on your weekly claim. Being dishonest can lead to overpayment issues later.

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What if I have a job interview that conflicts with a potential work offer? Do I need to report that?

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You should generally be available for work, but having interviews is actually a good thing for your job search requirement. Just be honest on your weekly claims.

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ugh the whole system is so confusing. I filed three weeks ago and still haven't gotten anything. The website keeps saying 'processing' but nobody can tell me what that means or how long it takes.

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Three weeks is pretty normal unfortunately. If you need to check on the status, definitely try calling. That's where services like Claimyr really help - gets you to a real person who can look up your claim.

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I'll try that. This is so stressful, I have bills to pay!

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Hang in there. Once it gets approved, you'll get back pay for all the weeks you filed. It's worth the wait.

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One tip - take screenshots of everything! Your confirmation numbers, your weekly claim submissions, any correspondence. The system can glitch and you'll want proof of what you submitted.

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That's really smart advice. I wouldn't have thought of that.

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YES! I learned this the hard way. Had a weekly claim disappear from the system and screenshots saved me from having to refile everything.

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Don't forget to set up direct deposit if you want your payments faster. Otherwise you'll get a debit card in the mail which can take longer to arrive.

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How long does the debit card usually take to arrive?

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Mine took about 7-10 business days. Direct deposit is definitely faster once your claim is approved.

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The most important thing is to file your weekly claims EVERY week, even if your initial claim is still processing. I can't stress this enough. Missing weekly claims can mess up your benefits big time.

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What day of the week should I file my weekly claims?

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You can file starting Sunday for the previous week. I always do mine on Sunday morning so I don't forget.

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The week runs Sunday through Saturday, and you're filing for the week that just ended. So on Sunday you file for the previous Sunday-Saturday week.

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what if you got fired for cause? can you still get benefits or are you screwed?

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It depends on the specific reason. If you were fired for misconduct, you might be disqualified. But if it was for poor performance or other non-misconduct reasons, you might still qualify.

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it was for attendance issues but I had some medical stuff going on. not sure if that matters

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You should definitely file anyway. Washington ESD will investigate and make a determination. Having medical documentation could help your case.

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The whole process seems overwhelming but it's really not that bad once you get started. Just take it one step at a time and don't overthink it.

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Thanks for the encouragement! I'm feeling a bit better about tackling this now.

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I went through this last year and the hardest part was getting through to someone when I had questions. Seriously consider using that Claimyr service someone mentioned earlier if you run into issues. It's worth it just for the peace of mind.

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How much does something like that cost?

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I'd rather not get into specific costs, but it was definitely worth it for me. Check their website for current pricing.

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Make sure you understand the difference between your weekly benefit amount and your maximum benefit amount. Your weekly amount is what you get each week, but there's a cap on total benefits for the year.

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How is the weekly amount calculated?

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It's based on your earnings during your base period (usually the first 4 of the last 5 completed quarters). Washington ESD calculates it automatically when you file.

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One thing that tripped me up was the waiting week. You don't get paid for your first week of unemployment, so plan accordingly. Your first payment will be for week 2.

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Wait, so I file for week 1 but don't get paid for it? That's confusing.

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Exactly. You still have to file the weekly claim for week 1, but it's unpaid. It's just how the system works in Washington.

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Don't forget you might owe taxes on your unemployment benefits. You can choose to have taxes withheld or pay them later, but don't forget about them completely.

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Can I set up tax withholding when I file my initial claim?

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Yes, there's an option to withhold 10% for federal taxes. I'd recommend doing it so you don't get hit with a big tax bill later.

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The system can be glitchy sometimes, especially on Sundays when everyone is filing their weekly claims. If you get error messages, try again later or use a different browser.

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Good to know! I'll keep that in mind when I'm filing weekly claims.

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Last piece of advice - read all the information Washington ESD sends you, whether it's mail, email, or messages in your online account. Missing important notices can cause problems with your benefits.

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Thank you everyone for all this helpful information! I feel much more prepared to start the process now.

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Good luck! Remember to file that initial claim as soon as possible and then stay on top of your weekly claims. You've got this!

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Oh and one more thing - if you end up with any complex issues or appeals, don't try to handle it alone. Washington ESD's rules are complicated and having someone who knows the system can make a huge difference.

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Hopefully I won't need to deal with appeals, but good to know that help is available if needed.

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