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Sean Flanagan

How to file for unemployment with Washington ESD - completely lost on where to start

I got laid off yesterday and everyone keeps telling me to file for unemployment but I have absolutely no idea how to even begin this process with Washington ESD. I've never done this before and I'm honestly pretty overwhelmed. Do I need to go somewhere in person? Is it all online? What documents do I need to gather before I start? I keep seeing people mention something called SecureAccess Washington but I don't know what that is. Can someone walk me through the basic steps of how to actually file for unemployment benefits? I really need help understanding where to start.

Everything is done online through the Washington ESD website at esd.wa.gov. You'll need to create a SecureAccess Washington (SAW) account first - that's the login system the state uses for most services. Have your Social Security number, driver's license, and employment information for the last 18 months ready before you start.

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Thank you! Do I need pay stubs or just the basic employer info like addresses and dates?

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Just employer names, addresses, dates of employment, and your gross wages for each job. Pay stubs help but aren't required during the initial filing.

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Don't stress too much about having everything perfect when you file. You can always add missing info later if Washington ESD needs it. The most important thing is to file as soon as possible because there's a waiting week and benefits are calculated from when you file, not when you lost your job.

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What's a waiting week?

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It's the first week of your claim where you don't get paid benefits. It's like a deductible - everyone has to serve one waiting week before payments start.

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I was in your exact situation 6 months ago and felt completely lost too. After struggling for hours trying to get through to Washington ESD on the phone to ask basic questions, I discovered Claimyr (claimyr.com) which actually got me connected to a real agent who walked me through everything. There's even a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Saved me so much stress honestly.

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How much does that cost? I'm already worried about money.

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It's worth it when you consider how much time you save not sitting on hold for hours. Plus if you mess up your initial application, fixing it later is way more complicated than getting help upfront.

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Here's the step-by-step process: 1) Go to esd.wa.gov and click 'Apply for Benefits' 2) Create your SecureAccess Washington account if you don't have one 3) Complete the unemployment application - this takes about 30-45 minutes 4) Wait for your monetary determination letter 5) File your first weekly claim the Sunday after you apply 6) Continue filing weekly claims every week to get paid. The key is being honest and accurate with all your info.

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This is super helpful! How long does it usually take to get approved?

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If there are no issues with your claim, you should get your monetary determination within a few days and first payment within 2-3 weeks after filing your first weekly claim.

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That's if everything goes smoothly. Mine got stuck in adjudication for over a month because of some confusion about why I left my job.

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ugh the whole system is such a nightmare to navigate when you're already stressed about losing your job. I made so many mistakes on my first application because the questions are confusing

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What kind of mistakes? Now I'm worried I'll mess something up.

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I put the wrong dates for one of my jobs and it delayed everything by weeks while they sorted it out. Just double check all your employment dates before submitting.

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Also make sure you understand the job search requirements before you start getting benefits. You'll need to make at least 3 job search contacts per week and keep a log of your activities. Washington ESD can audit your job search record at any time.

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Do I need to start job searching immediately or can I take a week to recover from being laid off?

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You need to be able and available for work starting from your first weekly claim. The job search requirement kicks in after your first payment though.

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Wait I thought you had to do job searches from day one? The rules keep changing.

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Pro tip: take screenshots of every page during your application process. If something goes wrong later you'll have proof of what you submitted. I learned this the hard way when my claim got messed up and I had no record of what I originally put.

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Good idea! Should I print anything out too?

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Print your confirmation page after you submit and save any emails Washington ESD sends you. You'll want those for your records.

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The whole SecureAccess Washington thing tripped me up at first. You have to verify your identity with them before you can even access the unemployment application. Have a photo of your driver's license ready on your phone because you'll need to upload it.

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How long does the identity verification take?

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Mine was instant but I've heard some people have to wait a day or two. Do it as soon as possible so it doesn't delay your application.

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I'm going through this process right now too and it's so confusing! The application asks about your 'base period' but doesn't really explain what that means clearly.

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Your base period is the first 4 of the last 5 completed calendar quarters before you file. So if you file in January 2025, your base period would be January 2024 through December 2024.

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That makes more sense, thank you! I was overthinking it.

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Don't forget you'll need to set up direct deposit or they'll mail you a debit card for payments. Direct deposit is way faster - like 2-3 days vs up to 10 days for the card to arrive in the mail.

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Can I change to direct deposit later if I initially choose the card?

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Yes you can change it in your account settings after you're approved. Just make sure your bank info is correct.

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Honestly if you're feeling overwhelmed, that Claimyr service I mentioned earlier really does help. I was spinning my wheels for days trying to figure everything out on my own. Sometimes it's worth paying a little to save yourself the headache and make sure you do it right the first time.

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I was skeptical about using a service like that but ended up trying it when my claim got stuck. Wish I had done it from the beginning - would have saved me weeks of stress.

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I might look into this if I run into problems. Thanks for the suggestion.

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Make sure you file your weekly claims every week even if your initial application is still being processed. You can't go back and claim weeks you missed, so don't skip any weeks thinking you'll do them later.

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When do I file my first weekly claim?

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The Sunday after you submit your initial application. Then every Sunday after that for as long as you're collecting benefits.

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The worst part is if you make a mistake they don't just let you fix it online. You have to call or sometimes even appeal to get things corrected. And good luck getting through on the phone lines - they're always busy.

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This is exactly why I'm so nervous about messing something up.

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That's why services like Claimyr exist - because getting through to Washington ESD directly is nearly impossible most of the time.

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One thing that confused me was the difference between being laid off vs fired vs quitting. Make sure you select the right reason for separation because it affects whether you're eligible for benefits.

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I was definitely laid off due to budget cuts. That should be straightforward right?

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Yes, layoffs due to budget cuts or lack of work are usually the easiest to get approved. Just be specific about the reason when they ask.

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Also heads up that you might need to do a phone interview if there are any questions about your claim. They call it an 'eligibility interview' and it can happen weeks after you apply.

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What kind of questions do they ask in those interviews?

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Usually just clarifying details about why you lost your job and whether you're able and available for work. Nothing too scary if you're honest.

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I'll be honest with you - the whole process is pretty intimidating when you've never done it before. But thousands of people file every week so it can't be that impossible. Just take it one step at a time and don't be afraid to ask for help when you need it.

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Thanks for the encouragement. I really appreciate everyone taking the time to help me understand this.

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We've all been there! This community is great for getting support when dealing with Washington ESD stuff.

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Last tip - keep track of all your passwords and login info for SecureAccess Washington. If you get locked out of your account it's a huge pain to get back in, and you need to file those weekly claims every week without fail.

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Good point! I'll write everything down in a safe place.

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Smart! And maybe set a calendar reminder for Sunday evenings to file your weekly claim so you don't forget.

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