Is unemployment insurance the same as workers comp in Washington ESD?
I got injured at work last month and my supervisor mentioned both unemployment insurance and workers comp. Are these the same thing? I'm confused because I see references to both when I try to look up benefits online. My employer said I might qualify for one or both but I don't understand the difference. Can someone explain what Washington ESD unemployment insurance covers versus workers compensation?
47 comments


Grace Durand
No, they're completely different programs! Unemployment insurance (UI) through Washington ESD is for people who lose their jobs through no fault of their own. Workers comp is for workplace injuries and is handled through the Department of Labor & Industries, not Washington ESD.
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Connor Richards
•Oh that makes more sense. So if I'm injured but still technically employed, I wouldn't qualify for unemployment insurance?
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Grace Durand
•Exactly. You'd need to be separated from employment to qualify for UI benefits through Washington ESD.
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Steven Adams
Workers comp pays for medical bills and lost wages from work injuries. Unemployment insurance is when you're out of work and looking for a new job. Two totally separate systems in Washington state.
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Alice Fleming
•This is correct. I dealt with both after my workplace accident led to me being laid off during recovery.
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Connor Richards
•Did you have to apply for both separately?
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Alice Fleming
•Yes, workers comp through L&I and unemployment through Washington ESD when I was eventually terminated.
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Hassan Khoury
If you're still employed but can't work due to injury, you'd typically file for workers comp, not unemployment. If the injury causes you to lose your job, then you might apply for Washington ESD unemployment benefits later.
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Victoria Stark
•This happened to my brother. He was on workers comp for 6 months, then when they couldn't accommodate his restrictions, he was let go and had to file for unemployment.
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Connor Richards
•That sounds complicated. How do you know which one to apply for first?
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Hassan Khoury
•Start with workers comp if you're injured at work. Only apply for Washington ESD unemployment if you actually lose your job.
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Benjamin Kim
I was in a similar situation last year and it was so confusing trying to reach the right people. I spent hours calling Washington ESD thinking they handled workplace injuries before someone told me about L&I. Eventually found claimyr.com which helped me get through to the right Washington ESD representative when I did need to file for unemployment later. They have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works.
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Connor Richards
•Thanks for the info! I'll check that out if I need to contact Washington ESD later.
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Samantha Howard
•Never heard of that service but anything that helps get through to Washington ESD is worth knowing about.
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Megan D'Acosta
unemployment = lost your job, looking for work. workers comp = hurt at work, still employed. completely different departments too
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Connor Richards
•Short and sweet explanation, thanks!
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Sarah Ali
The confusion is understandable because both deal with lost income, but the reasons are different. Washington ESD unemployment requires you to be able and available for work, which you wouldn't be if you're injured and on workers comp.
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Connor Richards
•That's a good point about being able and available. I wouldn't qualify for unemployment while injured anyway.
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Ryan Vasquez
•Exactly. You have to actively search for work to get Washington ESD benefits, which is impossible if you're medically restricted.
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Avery Saint
Been on both at different times. Workers comp pays 60% of wages for injury-related time loss. Washington ESD unemployment varies but is usually less than what you made working. Workers comp also covers medical expenses which unemployment definitely doesn't.
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Connor Richards
•Good to know about the payment differences. Sounds like workers comp might be better if you qualify.
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Avery Saint
•For injury situations, yes. But workers comp is temporary while you heal. Unemployment can last much longer if you can't find work.
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Taylor Chen
•Just remember you can't get both at the same time. It's one or the other depending on your situation.
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Keith Davidson
My employer tried to push me toward unemployment instead of workers comp when I got hurt. Don't let them do that! If it's a workplace injury, you deserve workers comp coverage for medical bills.
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Connor Richards
•That's terrible! Good thing you knew the difference.
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Ezra Bates
•Some employers try this because workers comp claims can affect their insurance rates. Stand your ground if you're injured at work.
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Ana Erdoğan
The key difference is the cause. Job loss = Washington ESD unemployment insurance. Workplace injury = workers compensation through L&I. If your injury leads to job loss later, then you might need both programs at different times.
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Connor Richards
•This thread has been super helpful. I think I understand now that I need workers comp first since I'm still employed but injured.
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Sophia Carson
•Smart move. Get your injury documented and treated properly through workers comp first.
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Elijah Knight
Just went through this whole mess myself. Started on workers comp, couldn't return to full duty, employer eliminated my position, then had to apply for Washington ESD unemployment. The transition was confusing but both programs served their purpose at different stages.
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Connor Richards
•How long did the whole process take from injury to getting unemployment benefits?
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Elijah Knight
•About 8 months total. 5 months on workers comp, then 3 weeks to get Washington ESD unemployment approved after termination.
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Brooklyn Foley
•That's actually pretty fast for Washington ESD approval. Did you have any adjudication issues?
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Elijah Knight
•No, my termination was clearly due to inability to perform job duties because of injury, so it was straightforward.
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Jay Lincoln
Another important difference: workers comp doesn't require job searching. Washington ESD unemployment requires you to actively look for work and report your job search activities every week.
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Connor Richards
•Good point. I definitely can't job search while recovering from injury.
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Jessica Suarez
•The job search requirement is strictly enforced by Washington ESD. They'll disqualify you if you don't comply.
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Marcus Williams
I tried calling Washington ESD for clarification on this exact question last month and spent 3 hours on hold before giving up. Finally used that claimyr service someone mentioned earlier and got through to an agent in 20 minutes. They confirmed that workplace injuries go through L&I, not Washington ESD, unless you lose your job.
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Connor Richards
•Wow, 3 hours on hold! That claimyr thing sounds useful if I need to contact Washington ESD later.
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Lily Young
•The phone lines are brutal. I'll have to remember that service if I need to call them.
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Kennedy Morrison
To summarize for OP: If you're injured at work and still employed, file workers comp with L&I. If you lose your job (injured or not), file unemployment with Washington ESD. If injury leads to job loss, you might use both programs sequentially, not simultaneously.
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Connor Richards
•Perfect summary! Thanks everyone for clearing this up. I feel much more confident about which direction to go now.
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Wesley Hallow
•Glad we could help! These systems are confusing enough without mixing them up.
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Justin Chang
One more thing - make sure you report your workplace injury to your employer immediately and get medical attention. Documentation is crucial for workers comp claims.
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Connor Richards
•Already reported it and saw a doctor. Good advice though!
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Grace Thomas
Hope your recovery goes smoothly! Workers comp should cover your medical treatment and time loss pay while you heal. Just don't expect the same level of benefits as your regular paycheck.
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Connor Richards
•Thank you! This whole thread has been incredibly helpful in understanding my options.
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