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Quinn Herbert

Washington ESD unemployment benefits ending - when do unemployment benefits stop exactly?

I've been on unemployment for about 22 weeks now and I'm getting nervous about my benefits running out. I know there's a limit but I can't find clear info on Washington ESD's website about exactly when unemployment benefits stop. Is it 26 weeks total? Does it depend on when I filed? I'm worried I'll wake up one day and just not get paid anymore without warning. Has anyone here hit their limit and what happened?

Washington state provides up to 26 weeks of regular unemployment benefits in most cases. Your benefit year starts when you first file your claim and lasts exactly 52 weeks. Within that year, you can collect up to 26 weeks of benefits as long as you're eligible and there are weeks available.

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So if I filed in March 2024, my benefit year would end in March 2025? Even if I haven't used all 26 weeks?

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Exactly right. The benefit year is a hard deadline - you can't collect benefits past that 52-week mark even if you have unused weeks remaining.

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You should be able to see how many weeks you have left in your Washington ESD account dashboard. It usually shows something like 'weeks remaining' or 'benefit weeks available.' Check your claim summary page.

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I looked but honestly that website is so confusing. There are so many numbers and I can't tell which one is the important one.

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If you're having trouble navigating the Washington ESD site or need to talk to someone about your remaining benefits, I had luck using Claimyr to get through to an actual agent. They helped me understand my claim status - there's a demo at https://youtu.be/7DieNd3C7zQ and the site is claimyr.com

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Wait I thought it was 28 weeks now? Or was that just during covid?

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That was extended benefits during the pandemic. Regular Washington unemployment is back to the standard 26 weeks maximum.

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Ugh okay thanks for clarifying. I was hoping I had more time than I thought.

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The benefits don't just suddenly stop without warning though. Washington ESD will send you notices as you get close to exhausting your benefits. Usually around week 20-22 you'll get a letter explaining your options.

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What kind of options? Like can you extend somehow?

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Not really extend regular benefits, but they'll tell you about things like WorkSource services, retraining programs, or if there are any federal extension programs available (which there usually aren't unless there's a recession).

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I hit my 26 weeks last year and yeah they give you plenty of warning. Started getting letters around week 23 I think. The last payment just doesn't come and your claim status changes to exhausted.

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Did you have to do anything special for that last payment or does it just automatically process?

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You still have to file your weekly claim like normal. The system just won't authorize payment after you hit the limit.

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This is exactly what happened to me too. Got all the warning letters but still felt weird when that final payment didn't show up.

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Don't forget about the waiting week too - that counts toward your 26 weeks even though you don't get paid for it. So really you only get 25 weeks of actual payments.

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Wait what? I never heard about a waiting week counting against the total. That seems unfair.

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The waiting week does count toward your total weeks claimed, but Washington eliminated the waiting week requirement back in 2018. So if you filed recently you shouldn't have had a waiting week at all.

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Another thing to watch out for - if you work part time while collecting benefits, those weeks still count toward your 26 week limit even if your benefits are reduced. Found that out the hard way.

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Really? Even if I only get like $50 that week because I worked a few hours?

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Yep, any week you claim counts as one of your 26 weeks regardless of the payment amount. Kind of a bummer but that's how it works.

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THE WHOLE SYSTEM IS DESIGNED TO SCREW PEOPLE OVER!!! 26 weeks isn't enough time to find a decent job in this economy. Meanwhile billionaires get tax breaks...

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I mean I get the frustration but the 26 week limit has been standard for decades. It's meant to be temporary assistance.

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Yeah well 'temporary' feels pretty permanent when you've been looking for work for 6 months and nobody's hiring

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Can you file a new claim after your benefit year ends? Like if you're still unemployed?

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You can file a new claim, but you'd need to have worked and earned enough wages in the new base period to qualify. Most people who've been unemployed for a full year won't have recent enough work history.

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That makes sense but also seems like a catch-22 situation for long-term unemployed people.

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Pro tip: keep track of your own weeks because sometimes the Washington ESD system has glitches. I had a friend who thought she had 3 weeks left but the system said she was exhausted. Took weeks to sort out.

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How did she get it sorted out? Did she have to call Washington ESD?

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Yeah she had to call repeatedly. Actually ended up using some service called Claimyr that helped her get through to someone faster. Saved her a lot of time on hold.

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I'm in week 24 right now and getting those warning letters. It's honestly pretty stressful knowing the end is coming soon.

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Hang in there! I was in the same boat and found work in my final week. The pressure actually motivated me to apply to more places.

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Thanks for the encouragement. I'm definitely stepping up my job search efforts now.

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What about extended benefits? I heard some states offer those when unemployment is high?

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Extended Benefits (EB) are triggered automatically when a state's unemployment rate hits certain thresholds. Washington hasn't had EB available for several years now since unemployment rates have been relatively low.

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Ah okay, so it's not something you can just apply for - it has to be activated statewide.

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Just want to mention that if you're running out of benefits, make sure you're connected with WorkSource. They have job placement services and sometimes training programs that can help bridge the gap.

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Is WorkSource required or optional? I've been doing my job searches on my own.

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It's optional but can be really helpful. Plus if there are ever any training programs available, being registered with WorkSource gives you a leg up.

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The thing that got me was that my benefit year ended in the middle of a week. Like I filed my weekly claim on Sunday but my benefit year ended on Tuesday, so I didn't get paid for that partial week.

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Wow that's really specific timing. Did you know that was going to happen?

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The letters mentioned the exact end date but I wasn't paying close enough attention to realize it would cut off mid-week.

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For anyone worried about this stuff, I found that calling Washington ESD to confirm your benefit details is worth it even though it's a pain to get through. Sometimes what you see online isn't the full picture.

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I've tried calling so many times but can never get through. Always just get busy signals or hung up on.

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That's exactly why I mentioned Claimyr earlier - they basically auto-dial for you and get you connected to an actual person. Way less frustrating than trying to call yourself.

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Don't stress too much about the exact timing. As long as you're actively job searching and following all the requirements, you'll get your full 26 weeks unless something unusual happens with your claim.

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Thanks, that's reassuring. I guess I just needed to hear that from someone who's been through it.

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Totally understand the anxiety. The whole process is stressful enough without worrying about timing details.

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One last thing - make sure you save copies of all your weekly claim confirmations and any letters from Washington ESD. If there's ever a discrepancy about how many weeks you've used, you'll want that documentation.

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Good point. I haven't been saving everything but I'll start doing that now.

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Yeah it's one of those things you don't think about until you need it. Better to have the paperwork and not need it.

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