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Nia Harris

How to start unemployment benefits in Washington - complete beginner here

Never filed for unemployment before and honestly have no idea where to even begin. Got laid off yesterday from my retail job and everyone keeps telling me I should apply for benefits but I'm completely lost. Do I just go to the Washington ESD website? What information do I need to have ready? How long does it take to get approved? Really stressed about money right now and could use some guidance from people who've been through this process.

First thing - don't panic! The process isn't as complicated as it seems. You'll want to go to esd.wa.gov and click on 'File a Claim for Benefits.' You'll need your Social Security number, driver's license, and employment information for the last 18 months (employer names, addresses, dates of employment, and reason for separation). Also have your bank account info ready if you want direct deposit.

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Thank you! Do I need pay stubs or will they get that information directly from my employer?

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Washington ESD will verify your wages directly with employers, but it's good to have your recent pay stubs just in case there are any discrepancies.

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Make sure you file as soon as possible! In Washington, you can't get benefits for the week before you file your claim, so every day you wait is money lost. The application takes about 30-45 minutes if you have all your info ready.

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Good to know - I'll do it tonight then. Is there a best time of day to apply online?

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Early morning or late evening usually work best to avoid system slowdowns during peak hours.

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One thing that helped me when I was struggling to get through to Washington ESD on the phone was using Claimyr (claimyr.com). They have this system that calls for you and connects you when an agent picks up. Saved me hours of redialing. There's a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Really helped when I had questions about my claim status.

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Never heard of that but sounds interesting. Did it actually work for you?

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Yeah, got connected to an agent in about 20 minutes instead of spending my whole day calling. Was worth it for my situation.

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After you file your initial claim, you'll get a determination letter in about a week telling you if you're eligible and how much your weekly benefit will be. If you're approved, you'll need to file weekly claims every week to get paid - even if you haven't received your first payment yet.

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Weekly claims? What's involved in that?

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It's pretty simple - just log into your account every week and answer questions about whether you worked, looked for work, and if you were available for work. Takes like 5 minutes.

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Don't forget the job search requirement! You need to make 3 job search contacts per week in Washington.

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ugh the whole system is such a nightmare. took me 6 weeks to get my first payment and they never explained why. good luck!

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Six weeks?? That's terrifying. Did you end up getting back pay?

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yeah eventually got all the back pay but had to borrow money from family in the meantime

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Don't let that scare you - most claims get processed much faster than that. The key is making sure you provide accurate information upfront. If there are any issues with your employer disputing the claim or questions about your eligibility, it can take longer due to adjudication.

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What's adjudication? Is that something I should be worried about?

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Adjudication is just when they need to investigate something about your claim - like if your employer contests it or if there are questions about why you left your job. Most claims don't need adjudication.

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Make sure you keep detailed records of everything - your job search activities, any work you do while collecting benefits, any training programs you attend. Washington ESD can ask for this information at any time.

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Should I start a job search log right away?

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Yes! Start documenting your job search activities from day one. Include company names, positions, dates, and how you applied.

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One important thing - if you were fired for misconduct or quit without good cause, you might not be eligible. But if you were laid off due to lack of work, you should be fine assuming you meet the wage requirements.

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I was laid off because they're closing the store, so that should be okay right?

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Yes, that's exactly the kind of situation unemployment is designed for. You should have no issues with eligibility.

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Pro tip: set up your SecureAccess Washington (SAW) account before you start the unemployment application. That's the login system Washington ESD uses and it can take a little time to get set up properly.

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Is that different from just creating an account on the ESD website?

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Yes, SAW is the state's unified login system. You'll use it for unemployment, but also for other state services. Better to get it set up first.

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Just remember that unemployment benefits are taxable income. You can choose to have taxes withheld from your weekly payments or pay them when you file your tax return next year.

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I hadn't thought about taxes. What percentage do they usually withhold?

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Federal withholding is 10% and Washington doesn't have state income tax, so you only need to worry about federal taxes.

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If you run into issues during the application process, don't give up! The system can be glitchy sometimes but persistence pays off. I had to restart my application twice before it went through properly.

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Good to know it's not just me if I have technical problems. Did you lose your progress when you had to restart?

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Yeah, had to re-enter everything, but I had all my info organized so it wasn't too bad the second time.

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Another thing - if you're planning to do any part-time or temporary work while collecting benefits, make sure you report it on your weekly claims. You can still receive partial benefits in many cases.

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How does partial benefits work? Do they just reduce what you get?

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Washington has a formula where you can earn up to your weekly benefit amount plus $5 before they start reducing your benefits. It's actually pretty generous.

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I was in a similar situation last year and found that calling Washington ESD was nearly impossible during normal hours. If you need to talk to someone, try calling right when they open at 8 AM or use that Claimyr service someone mentioned earlier - it really does work.

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I'm seeing a lot of people mention calling issues. Is it really that hard to get through?

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Unfortunately yes, especially if there are any issues with your claim. The hold times can be hours and sometimes you just get disconnected.

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Don't forget about WorkSourceWA! They have job search resources and sometimes the unemployment office requires you to register with them depending on your situation.

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Is that something I need to do right away or can I wait?

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You'll get instructions about WorkSourceWA registration in your determination letter if it's required for your claim.

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Make sure you have a reliable way to receive mail! Washington ESD sends important notices by mail and you have limited time to respond to some of them. Don't rely solely on online notifications.

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What kind of notices should I watch for?

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Your determination letter, any requests for additional information, and notices about appeals or hearings if there are issues with your claim.

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Quick question - are you eligible to work in the US and have you worked enough hours in Washington? Those are basic requirements that sometimes trip people up.

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Yes to both. I've been working at the same retail job for 2 years here in Washington.

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Perfect, you should definitely qualify then. Two years of steady work history is more than enough.

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One last tip - screenshot or print out your confirmation page after you submit your application. Having that reference number can be helpful if you need to call about your claim status.

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Great tip! I'll make sure to save that confirmation.

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Also take a photo of any error messages if you run into technical issues. Washington ESD support can help troubleshoot if you have the exact error text.

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Been following this thread and just wanted to say good luck! The first time filing is always stressful but you've got good advice here. The system works, it just takes a little patience.

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Thank you everyone! This has been incredibly helpful. I feel much more confident about starting the process now.

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You're welcome! Feel free to come back if you run into any issues during the application process.

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Actually, one more thing I thought of - if you get a message about your claim being under review or in adjudication status, don't panic. It's pretty common and doesn't necessarily mean there's a problem. Just means they need to verify some information.

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How long does adjudication usually take?

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Can vary from a few days to several weeks depending on what they're reviewing. If it goes over 3 weeks, that's when I'd recommend using something like Claimyr to actually talk to someone.

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This thread is super helpful! I'm in a similar situation and was putting off filing because it seemed so complicated. Sounds like it's actually pretty straightforward if you have your documents ready.

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Right? I was overthinking it. Going to get started tonight with all this great advice.

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Same here. Thanks everyone for sharing your experiences!

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