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Liam O'Sullivan

If I get laid off can I collect unemployment benefits in Washington state?

My company has been doing layoffs and I'm pretty sure I'm going to be next. I've never filed for unemployment before and honestly don't know much about it. If I get laid off can I collect unemployment? What do I need to do to apply? I've been working full time for the same company for about 2 years now. Just trying to figure out what my options are before this happens.

Yes, if you get laid off through no fault of your own you should be eligible for Washington ESD unemployment benefits. You'll need to file your claim as soon as possible after your last day of work. The basic requirements are that you worked enough hours in your base period and are able and available for work.

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What's a base period? And how many hours do I need to have worked?

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Base period is usually the first 4 of the last 5 completed calendar quarters before you file. You need at least 680 hours in your base period to qualify for Washington unemployment.

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Getting laid off definitely qualifies you for UI benefits as long as you meet the work requirements. You'll file online through the Washington ESD website. Make sure you have your social security card, ID, and employment info for the last 18 months ready when you apply.

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Do I need pay stubs or just general employment info?

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General info is fine - company names, addresses, dates of employment, and gross wages. Washington ESD will verify with employers directly.

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I got laid off last year and it was pretty straightforward to file. The hard part was actually getting through to someone at Washington ESD when I had questions about my claim. Took me weeks of calling before I could talk to an actual person.

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Really? Is it that hard to reach them?

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Yeah the phone lines are constantly busy. I eventually used a service called Claimyr that helped me get through. You can check it out at claimyr.com - they have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works.

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I've heard about Claimyr too, seems like a lot of people are using it to reach Washington ESD agents when the regular phone lines are jammed.

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Just make sure you file right away! There's a waiting week before benefits start and any delay in filing just pushes everything back further. Also be ready to start doing your weekly claims immediately.

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What are weekly claims?

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Every week you have to file a claim saying you're still unemployed and looking for work. It's how you actually get paid. Miss a week and you don't get benefits for that week.

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The job search requirements are pretty strict too. You have to be actively looking for work and document it. I think it's 3 job search activities per week minimum.

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What counts as a job search activity?

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Applying for jobs, networking events, job fairs, even some types of training. You have to keep a log of everything you do.

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Actually it's been reduced to 3 activities per week recently, but you still need to document everything in case Washington ESD asks for your job search log.

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ugh the whole system is such a pain. I've been trying to get my claim sorted out for weeks and can never get through to anyone at Washington ESD. The automated system is useless

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That's exactly why I used Claimyr. Saved me so much frustration trying to call over and over.

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might have to look into that, thanks

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One thing to note - if you get any severance pay that might affect when your benefits start. Washington ESD considers severance as wages so it could delay your first payment.

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I think I'm getting 2 weeks severance. Will that delay everything?

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It depends on how the severance is structured. If it's paid as a lump sum it might not affect your benefits, but if it's paid as continuing wages it could delay them. You'll need to report it when you file.

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Make sure you understand the difference between being laid off and being fired for cause. Laid off = eligible, fired for misconduct = probably not eligible.

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It's definitely a layoff, not performance related at all. Just company downsizing.

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Perfect, then you should be good to go as long as you meet the work requirements.

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The weekly benefit amount in Washington is based on your highest earning quarter in your base period. Maximum is around $999 per week right now, but most people get less than that.

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How do they calculate the exact amount?

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It's roughly 3.85% of your total base period wages, divided by 52. But there's also a minimum and maximum, so it varies.

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I had to file for unemployment twice - once in 2019 and again during covid. The process was pretty much the same both times, just file online and then do your weekly claims. The hardest part is always getting help when you need it because their phone system is terrible.

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Yeah I remember trying to call Washington ESD during covid and it was impossible. Eventually gave up and just hoped for the best with my claim.

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That's when I first learned about services like Claimyr. Wish I had known about it earlier - would have saved me a lot of stress.

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Don't forget you'll have to pay taxes on your unemployment benefits. They don't automatically withhold federal taxes unless you ask them to.

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Ugh I didn't think about taxes. So I'll owe money at the end of the year?

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Potentially yes. You can have them withhold 10% federal tax when you file your weekly claims, or just set money aside to pay later.

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The good news is Washington doesn't have state income tax so you only have to worry about federal taxes on your unemployment benefits.

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That's something at least. Thanks for all the info everyone, this has been really helpful.

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One more tip - if your claim gets stuck in adjudication for any reason, don't panic. It happens pretty often and usually resolves itself, but it can take a few weeks. That's another time when being able to reach Washington ESD directly really helps.

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What's adjudication?

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It's when they need to investigate something about your claim before approving benefits. Could be anything from verifying your employment to checking if you quit vs were laid off.

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Yep, that's exactly when Claimyr came in handy for me. My claim was stuck in adjudication and I needed to talk to someone to find out what documents they needed.

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honestly the whole unemployment system is broken. took me 6 weeks to get my first payment even though everything was straightforward

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I hear you. The system definitely has problems but at least it's there when we need it.

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true, better than nothing I guess

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To summarize for the OP: Yes, you can collect unemployment if you're laid off. File immediately online at Washington ESD's website, be ready to do weekly claims, keep track of your job search activities, and don't be discouraged if you have trouble reaching them by phone - it's a common problem but there are workarounds.

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Perfect summary, thank you! I feel much more prepared now if this happens.

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Good luck OP! Hopefully you won't need it but at least you know what to expect now.

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One more thing to keep in mind - if you do get laid off, try to get written documentation from your employer about the reason for termination. Sometimes Washington ESD will contact your former employer to verify the circumstances, and having that paperwork can help avoid any confusion or delays in processing your claim. Also, if your company offers COBRA health insurance continuation, you'll need to decide on that pretty quickly since you typically only have 60 days to elect coverage.

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