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GalaxyGlider

If I get layoff can I collect unemployment benefits through Washington ESD?

My company has been talking about downsizing and I'm worried I might be next. I've been working here for 2 years full-time and paying into unemployment insurance. If I get laid off, can I collect unemployment benefits? What do I need to know about filing with Washington ESD? I've never been unemployed before so I'm not sure how any of this works.

Yes, if you get laid off (not fired for cause), you should be eligible for unemployment benefits in Washington. You'll need to file your claim as soon as possible after your last day of work. The key requirements are that you lost your job through no fault of your own, you're able and available to work, and you're actively searching for new employment.

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That's a relief to hear. How long does it usually take to get approved after filing?

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Most straightforward layoff claims are processed within 1-2 weeks, but it can take longer if they need to verify information with your employer.

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Just went through this myself last month. File your claim online at esd.wa.gov as soon as you can. You'll need your Social Security number, your employer's information, and details about your wages for the past 18 months. Make sure you have all that ready before you start the application.

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Do I need to wait until my last day of work to file, or can I file before that?

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You should file the week you become unemployed, not before. Your claim will be backdated to your last day of work.

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I tried calling Washington ESD when I got laid off last year and it was impossible - always busy or they'd hang up after hours on hold. Super frustrating when you're already stressed about losing your job. Finally found this service called Claimyr (claimyr.com) that helped me get through to an actual person at ESD. They have a demo video at https://youtu.be/7DieNd3C7zQ showing how it works. Made the whole process so much easier.

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Never heard of that service before. How does it work exactly?

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They basically handle getting you connected to ESD agents when you need to talk to someone. Way better than spending hours trying to call yourself.

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Good to know there are options if I can't get through on the phone. Hopefully I won't need it but I'll keep that in mind.

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The most important thing is to make sure you understand the job search requirements. You'll need to make at least 3 job search contacts per week and keep detailed records. Washington ESD can audit your job search activities at any time, so don't slack off on this part.

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What counts as a job search contact? Just applying for jobs or other things too?

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Job applications, networking contacts, job interviews, job fairs, and some training activities all count. Keep records of everything with dates and contact information.

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ugh the whole system is such a pain. when i got laid off it took forever to get my first payment and then they kept asking for more documentation. just be prepared for bureaucratic nonsense

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What kind of documentation did they ask for?

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pay stubs, separation notice from employer, proof of job search activities. just have everything organized from the start

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Don't let the negative experiences scare you. Most layoff claims go through smoothly if you provide complete information upfront. The weekly benefit amount is based on your wages during your base period, usually the first four of the last five completed calendar quarters before you filed your claim.

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How much can I expect to receive per week?

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It varies based on your earnings, but the current maximum weekly benefit amount in Washington is $999. Most people get somewhere between $200-$600 per week.

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Make sure your employer gives you a separation notice when you're laid off. This document explains the reason for your job loss and helps prevent delays in your claim processing. If they don't provide one, ask for it specifically.

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Is that different from the layoff notice they're supposed to give us?

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Yes, the separation notice is specifically for unemployment purposes. It's different from WARN Act notices for mass layoffs.

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Been there, done that. One tip - file your weekly claims every week even if you haven't received your first payment yet. Missing a week means you lose that week's benefits permanently. Set a reminder on your phone or whatever works for you.

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When do I file the weekly claims? Is there a specific day?

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You can file starting Sunday for the previous week. I always did mine Sunday morning so I wouldn't forget.

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Also be aware that there's a one-week waiting period for new claims. So even if you're approved right away, your first payable week will be the second week of unemployment. Plan your finances accordingly.

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So I won't get paid for the first week at all?

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Correct, the first week is unpaid. It's just how the system works in Washington.

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I'm going through this right now actually. Got laid off three weeks ago and still waiting for my first payment. The adjudication process is taking forever because they need to verify something with my former employer. Anyone know if there's a way to speed this up?

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This is exactly the kind of situation where Claimyr helped me. When my claim was stuck in adjudication, I couldn't get through to ESD to find out what was happening. Claimyr got me connected to someone who explained the delay and what I needed to do.

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Might have to look into that. Three weeks with no income is getting pretty stressful.

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Don't forget about the tax implications. Unemployment benefits are taxable income. You can choose to have taxes withheld from your weekly payments or pay them later when you file your tax return.

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How much tax gets withheld if I choose that option?

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10% federal tax. Washington doesn't have state income tax so that's not a concern here.

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Just want to add that if you're in a union, check with your union rep too. Sometimes there are additional benefits or requirements you need to know about. My union had a supplemental unemployment benefit that I almost missed out on.

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Good point, I'll check with my union if I end up getting laid off.

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the system is so confusing! i made a mistake on my first weekly claim and it messed everything up. took weeks to get it sorted out. be super careful when filling out those forms

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What kind of mistake did you make?

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i put the wrong date for when i worked some part time hours and it flagged my claim for review. just double check everything before submitting

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One more thing - if you do any work while collecting unemployment, even just a few hours, you need to report it on your weekly claim. Working part-time doesn't automatically disqualify you, but not reporting it can get you in trouble for benefit fraud.

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How much can I work before it affects my benefits?

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You can earn up to your weekly benefit amount minus $5 before they start reducing your benefits. So if your weekly benefit is $400, you can earn up to $395 without reduction.

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Actually went through a layoff situation last year and the whole process was pretty straightforward once I got started. The hardest part was just getting over the initial anxiety about filing. Don't overthink it - just file as soon as you're unemployed and follow the instructions.

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That's reassuring to hear. I've been worrying about this for weeks.

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Yeah, it's really not as bad as you think it'll be. The system is designed to help people in your situation.

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Keep all your documentation organized from day one. Create a folder (physical or digital) with your separation notice, pay stubs, job search log, and any correspondence with ESD. You'll thank yourself later if any issues come up.

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Should I start keeping track of potential job opportunities now, before I'm even laid off?

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Can't hurt to start networking and keeping an eye on job postings, but you don't need to formally log job search activities until you're actually filing claims.

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Pro tip: if you're worried about the layoff, start saving money now if you can. Even with unemployment benefits, you'll likely have a reduction in income. Having some savings to bridge the gap makes the whole experience much less stressful.

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Good advice. I've been trying to save more just in case.

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Also remember that you can appeal any decisions you disagree with. If your claim gets denied for some reason, don't just accept it. You have the right to request a hearing and present your case. I've seen people win appeals even when the initial decision seemed final.

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How long do you have to file an appeal?

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You have 30 days from the date of the determination notice. Don't wait - appeals can take months to process.

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Bottom line - yes, if you get laid off you should be eligible for unemployment benefits. File quickly, be honest and accurate with all your information, keep up with your job search requirements, and don't be afraid to ask for help if you run into problems. You've been paying into the system, so don't feel bad about using it when you need it.

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Thank you everyone for all the helpful information. I feel much more prepared now if this layoff happens.

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And remember, if you need to talk to someone at ESD and can't get through, services like Claimyr are there to help. Don't let phone frustration add to your stress.

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