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Connor O'Brien

If I am laid off can I collect unemployment - Washington ESD eligibility?

Just got word that my company is doing layoffs next month and I'm probably going to be affected. I've been working there for 2 years full-time but this is my first time dealing with unemployment. Can I collect benefits if I'm laid off? What do I need to do to apply with Washington ESD? I'm really stressed about this whole situation and don't know where to start.

Yes, if you're laid off through no fault of your own, you should be eligible for unemployment benefits in Washington. You'll need to file your claim online at esd.wa.gov as soon as possible after your last day of work. Make sure you have your Social Security number, employment history for the last 18 months, and your employer's information ready.

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Thank you! Do I need to wait until my actual last day to file or can I file before that?

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You should file the week your employment ends, not before. Washington ESD will backdate your claim to your last day of work if you file within a reasonable time.

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Layoffs definitely qualify you for UI benefits. The key is that it has to be involuntary - which layoffs are. You'll get about 60% of your average weekly wage up to the maximum benefit amount. Just make sure your employer doesn't try to claim you were fired for cause or anything like that.

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Good point about the employer thing. It's definitely a legitimate layoff due to company restructuring.

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Make sure you get documentation of the layoff if possible - like an email or letter from HR explaining it's due to business reasons.

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I went through this exact situation last year. The hardest part was actually getting through to Washington ESD to check on my claim status. Their phone system is absolutely terrible - I spent hours trying to call them. If you run into issues reaching them, there's a service called Claimyr (claimyr.com) that helped me get through. They have a demo video at https://youtu.be/7DieNd3C7zQ showing how it works.

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How long did it take for your claim to get approved? I'm worried about the waiting period.

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Mine took about 3 weeks because there was some adjudication issue they had to review. That's actually when I used Claimyr to get through and find out what was going on.

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Never heard of Claimyr but might be worth it if Washington ESD's phones are still as bad as they were during COVID.

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Don't forget you have to do the job search requirements too. Washington ESD requires 3 job search activities per week and you have to keep a log of them. This includes applying for jobs, networking, attending job fairs, etc.

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Do I have to start the job search right away or is there a waiting period?

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You need to start job search activities during your first week of filing claims. No waiting period for that requirement.

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MAKE SURE YOU FILE YOUR WEEKLY CLAIMS EVERY WEEK! Even if your initial claim is still being processed, you need to file those weekly claims or you'll lose those weeks permanently. This is the biggest mistake people make.

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What happens if I miss a week? Can I make it up later?

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Nope, if you miss filing a weekly claim you lose that week of benefits. Washington ESD is very strict about this.

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This is so true. I missed one week early on and they wouldn't let me backfile it. Lost a whole week of benefits.

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Also be prepared for the possibility of adjudication. If there's anything unusual about your employment situation, Washington ESD might need to investigate further before approving your claim. This can add weeks to the process.

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What would cause adjudication in a layoff situation? I thought those were straightforward.

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Sometimes if the employer disputes the reason for separation or if there are questions about your availability for work. Usually not an issue with clear-cut layoffs though.

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The Washington ESD website has gotten better over the years but it can still be confusing. Make sure you're using the right portal - some people accidentally use the wrong login system and get frustrated.

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Is there more than one login system? I want to make sure I'm using the right one.

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Yeah, there's the main ESD website and then the SecureAccess Washington (SAW) system. You'll need SAW to access your unemployment account.

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Just went through this myself 6 months ago. The whole process took about 4 weeks from filing to getting my first payment. Make sure you have direct deposit set up - it's way faster than waiting for checks in the mail.

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Good tip about direct deposit. Did you have any issues with the job search requirements?

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Not really, but keeping the log was annoying. Just make sure you document everything properly.

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One thing to watch out for - if you get any severance pay, that might affect when your benefits start. Washington ESD has specific rules about how severance is treated.

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I think I might get a small severance package. Should I mention that when I file?

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Yes, definitely disclose it. It's better to be upfront about it than have them find out later and create problems.

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sorry your going through this! layoffs suck but at least unemployment is there to help. i was laid off in 2023 and got benefits for about 5 months while i looked for work

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Thanks for the encouragement. Did you find it hard to live on just unemployment benefits?

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it was tight but manageable. had to cut back on some things but it kept me afloat until i found another job

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Pro tip: start looking for work immediately even before your last day if possible. The job market can be competitive and you want to minimize your time on unemployment.

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That's smart. I should probably update my resume and LinkedIn profile now.

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Exactly! And network with former colleagues - many jobs come through personal connections.

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Don't stress too much about the application process. Washington ESD has actually made it pretty user-friendly compared to other states. Just gather all your documents first and take your time filling it out.

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What documents do I need besides employment history?

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Your Social Security card, ID, and bank account info for direct deposit. Also helpful to have your last pay stub.

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The waiting week was eliminated in Washington a few years ago, so you should be eligible for benefits starting from your first week of unemployment. That's good news compared to some other states.

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Oh that's a relief! I was worried about having to wait a week without any income.

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Yeah, Washington got rid of that during COVID and kept it that way. Much better for people who need immediate help.

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If you have trouble with the online system, there are also phone options, but like someone mentioned earlier, getting through can be really tough. I ended up using that Claimyr service too when I couldn't reach anyone for weeks.

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Several people have mentioned Claimyr now. Is it worth the cost?

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For me it was worth it because I was stuck in adjudication limbo and needed answers. Saved me hours of calling and redialing.

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Make sure you understand the difference between being laid off and being fired. Layoffs are due to business reasons (like company restructuring, downsizing, lack of work) while being fired is usually for performance or conduct issues. Layoffs almost always qualify for benefits.

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Yeah, this is definitely a layoff due to company restructuring. Nothing to do with my performance.

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Perfect, then you should have no issues qualifying for benefits. Just make sure that's how your employer reports it too.

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i've been on unemployment 3 times in the last 10 years (construction work is unpredictable). each time for layoffs and never had problems getting approved. washington is pretty good about this stuff

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That's reassuring to hear from someone with experience. Any other tips?

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just stay on top of your weekly claims and job search log. those are the two things that trip people up most

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Remember that unemployment benefits are taxable income, so you might want to have taxes withheld or set aside money for tax time. Washington ESD gives you the option to have federal taxes withheld.

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Good point about taxes. I hadn't thought about that. Is it better to have them withheld or pay later?

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I'd recommend having them withheld so you don't get surprised with a big tax bill later. It's just more convenient.

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The maximum benefit amount in Washington is pretty decent compared to other states. You can calculate your estimated weekly benefit amount on the Washington ESD website before you even file.

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I'll check that calculator out. It would be good to know what to expect financially.

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Yeah, it helps with budgeting. Just remember it's based on your earnings over the last 4 quarters.

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Last thing - if your claim gets denied for any reason, don't panic. You have the right to appeal and most appeals are handled pretty fairly if you have a legitimate case. Layoffs are almost never denied unless there's some other issue.

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Hopefully I won't need to appeal, but good to know that option exists. Thanks everyone for all the helpful advice!

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You're welcome! Hope everything goes smoothly with your claim. Layoffs are stressful enough without having to worry about the unemployment process too.

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Best of luck with everything. You seem well-prepared now with all this information.

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