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Connor Rupert

If I file for unemployment in Washington how much will I get weekly?

I'm thinking about filing for unemployment benefits with Washington ESD but I have no idea what to expect for payment amounts. I've been working full-time making about $52,000 a year for the past 3 years. Does anyone know how they calculate the weekly benefit amount? I'm trying to figure out if it'll be enough to cover my basic expenses while I look for another job. Any help would be appreciated!

Washington ESD calculates your weekly benefit amount (WBA) based on your wages from the highest quarter in your base period. Generally it's about 3.85% of your highest quarter wages, but there's a maximum weekly amount that changes each year. For 2025 I think the max is around $999 per week.

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Thanks! So they look at my best 3-month period? That's actually better than I thought it would be.

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yeah but dont forget you have to pay taxes on unemployment benefits too, so budget for that

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The formula is pretty straightforward - they take your total wages from your highest earning quarter in the base period and multiply by 0.0385. So if you made $13,000 in your best quarter, your WBA would be around $500. You can actually estimate this yourself if you have your pay stubs.

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That's really helpful! I'll dig up my old pay stubs and try to calculate it myself.

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Just remember your base period is the first 4 of the last 5 completed quarters before you file, not your most recent work.

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I was in a similar situation last year and had to call Washington ESD multiple times to understand my benefit calculation. The phone lines are absolutely horrible - I spent hours on hold just to get basic information. If you're having trouble reaching them, I discovered this service called Claimyr (claimyr.com) that actually got me through to an agent in like 10 minutes. They have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Wow, that sounds too good to be true! I'll definitely check that out if I can't get through the normal way.

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How much does that service cost though? I'm about to be unemployed so I'm watching every penny.

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It was totally worth it for me - way better than wasting days trying to get through on my own. Check their site for current info.

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DONT COUNT ON GETTING THE MAXIMUM!!! I made $60k and only got like $380 a week because my wages were spread out weird. The Washington ESD system is designed to screw people over.

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That sounds like your highest quarter wages were lower than you expected. The calculation is based on quarters, not annual salary.

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Whatever the reason is, just dont expect much. Budget for way less than you think you'll get.

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You should also know that Washington has a one-week waiting period before you start receiving benefits. So even if you're approved immediately, you won't get paid for your first week. Plan accordingly.

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Oh no, really? I didn't know about the waiting week. That's going to make things tight.

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The waiting week is waived during certain circumstances but I think that ended after COVID. Double check though.

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also you gotta do the job search requirements every week or they'll cut you off. its like 3 job contacts per week minimum and you have to keep records

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Good to know! I was planning to job search anyway but didn't realize there were specific requirements.

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You can register with WorkSourceWA to help track your job search activities. It integrates with the Washington ESD system.

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I'm so confused by all this base period stuff. What if I just started a new job 6 months ago? Do they look at my old job from 2 years ago?

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The base period is typically the first 4 of the last 5 completed calendar quarters. So if you file in January 2025, they'd look at January-December 2024 quarters.

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That makes more sense, thank you! I was worried they'd go way back to my old minimum wage job.

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Been through this whole process twice now and honestly the hardest part isn't figuring out your benefit amount - it's actually getting your claim processed without issues. Mine got stuck in adjudication for weeks both times.

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What's adjudication? That sounds scary.

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It's when they have to investigate something about your claim before approving it. Could be anything - reason for separation, work availability, whatever.

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That's exactly when Claimyr saved my butt - when my claim was stuck and I couldn't reach anyone to find out why.

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Just want to mention that if you're thinking about filing, don't wait! You can't backdate your claim in Washington, so every week you wait is money you lose.

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Really? So if I wait a month to file, I lose a month of benefits?

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Exactly! File as soon as you become unemployed, even if you're not sure about amounts or eligibility.

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The other thing nobody tells you is that your benefit year lasts 52 weeks from when you file, but you only get 26 weeks of benefits unless there's extended benefits available. So plan accordingly.

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Wait, so I could be unemployed for a year but only get 6 months of benefits?

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Right, that's why it's so important to be actively job searching. 26 weeks goes by fast.

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honestly just file online and see what happens. the washington esd website will estimate your benefits when you apply. easier than trying to calculate it yourself

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That's probably the smartest approach. I'll just go ahead and file and see what they say.

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One more tip - if your calculated benefit seems too low, double-check that Washington ESD has all your wage information. Sometimes employers don't report correctly and you have to provide pay stubs to get it corrected.

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How would I know if they're missing wage information?

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You can check your wage history in your Washington ESD account after you file. Compare it to what you actually earned.

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Does anyone know if bonuses count toward the benefit calculation? I got a decent bonus last year in my highest quarter.

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Yes, bonuses should be included in your total wages for that quarter. Anything that shows up on your W-2 counts.

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Great! That should bump up my benefit amount then.

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Just filed last month and my experience was pretty smooth actually. Got approved in about 10 days and my first payment 3 days after that. The benefit calculator on their site was pretty accurate too.

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That's encouraging! Sounds like maybe it's not as bad as some people make it sound.

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you got lucky. most people wait weeks for approval

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If you get stuck trying to reach Washington ESD for questions about your benefit amount, I had good luck with that Claimyr thing someone mentioned earlier. Used it when my claim showed weird wage info and needed to talk to someone. Way better than sitting on hold for hours.

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Good to know there are options if I run into problems. Thanks for sharing your experience!

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Remember you can also do a partial claim if you're working reduced hours instead of being completely unemployed. The benefit calculation is different but might be worth looking into.

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I'm completely laid off but that's good info for the future. Thank you!

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The maximum benefit amount changes every year based on the state's average wage. For 2025 I think it's $999 but double-check the Washington ESD website for current numbers.

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Will do! I want to make sure I have the most current information before I file.

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Pro tip: when you file, have your Social Security number, employment history for the last 18 months, and bank info ready. Makes the process go much faster.

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Perfect! I'll gather all that stuff before I start the application. Thanks for the heads up.

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One last thing - 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 your maximum is the total you can receive over the entire benefit year.

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That makes sense. So if I get $500 a week, my maximum would be $500 x 26 weeks = $13,000 total?

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Exactly! You've got it figured out now.

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Good luck with your claim! The whole process can be stressful but once you get through the initial filing it's pretty routine. Just don't forget to file your weekly claims on time or you'll lose benefits.

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Thank you so much everyone! This thread has been incredibly helpful. I feel much more prepared to file now.

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