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Yuki Tanaka

Washington ESD unemployment benefits - how much unemployment can you get in 2025?

I'm trying to figure out what my weekly benefit amount might be if I file for unemployment in Washington. I've been working as a software engineer making about $85K annually for the past 2 years. Does anyone know how Washington ESD calculates the weekly benefit amount? I've heard it's based on your earnings but I can't find clear info on their website about the maximum amounts or percentages they use.

Washington ESD uses your highest earning quarter from your base period (first 4 of last 5 completed quarters). They take that amount, divide by 26, then you get roughly 3.85% of your total base period wages as your weekly benefit. Maximum weekly benefit for 2025 is $999.

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Thanks! So if I made $85K last year, that would put me somewhere around the max then?

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Pretty close yeah. You'd need to look at your actual quarterly earnings though, not just annual salary.

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I got the max benefit amount when I was laid off last year - $999/week. But you have to have earned enough in your base period. I think you need like $26K+ in your highest quarter to get the maximum.

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That's helpful to know! Did you have any trouble getting through to Washington ESD to verify your benefit amount?

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Oh god yes, calling them is a nightmare. Took me weeks to get through about a simple question.

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If you're having trouble reaching Washington ESD by phone to get your exact benefit calculation, I used claimyr.com recently and it was a game changer. They actually got me connected to an agent in like 10 minutes instead of me spending hours trying to call. There's a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Never heard of that service before. Does it actually work or is it just another scam?

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It's legit - they just handle the calling and waiting for you. I was skeptical too but desperate after trying to call for 3 days straight.

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Interesting, I might check that out if I can't get through the normal way.

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WASHINGTON ESD BENEFIT CALCULATOR IS BROKEN AGAIN! Been trying to estimate my benefits for 2 weeks and their online tool keeps crashing. This system is so frustrating!!! How are we supposed to plan our finances when we can't even get basic information???

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I feel your pain. The whole website is garbage most of the time.

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Try accessing it early morning or late evening when fewer people are on the system.

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From what I remember, you can get benefits for up to 26 weeks in Washington, but the amount depends on your work history. I think minimum is like $295/week and max is $999. You also have to meet job search requirements - 3 job contacts per week I think?

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Good point about the job search requirements. Do they track that through WorkSourceWA?

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Yeah you have to log your job search activities in WorkSourceWA. It's another system to deal with unfortunately.

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I was making about the same as you last year and my weekly benefit ended up being $847. Not quite the max but pretty close. The calculation can be confusing because it looks at specific quarters, not just your annual salary.

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That's really helpful to get a real example. How long did it take to get approved after you filed?

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About 3 weeks. No issues with my claim but I know some people wait longer if they go into adjudication.

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honestly the whole unemployment system is set up to discourage people from applying. they make it as complicated as possible to figure out how much you can get

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Totally agree. And then when you do apply they make you jump through a million hoops.

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While I understand the frustration, there are legitimate reasons for verification processes to prevent fraud.

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For tech workers like yourself, you'll probably qualify for a decent benefit amount. Washington has one of the higher maximum benefits compared to other states. Just make sure you file as soon as you're unemployed - there's no waiting period here.

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Good to know there's no waiting period. I wasn't sure about that part.

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Yeah, file immediately. The sooner you file, the sooner your claim gets processed.

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I used that Claimyr service someone mentioned earlier when I had questions about my benefit amount calculation. Saved me so much time compared to trying to call Washington ESD directly. The agents were able to explain exactly how they calculated my weekly amount.

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How much does something like that cost? Seems like it would be expensive.

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Worth it compared to spending days trying to get through. Plus they explain everything clearly which Washington ESD doesn't always do.

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Quick tip - you can also check your wage history by logging into your SecureAccess Washington account. That'll give you the exact quarterly wages Washington ESD will use for your benefit calculation.

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Oh that's a great suggestion! I didn't think to check there first.

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Yeah it's under 'Wage and Tax Statement' or something like that. Shows all your reported wages by quarter.

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Remember you also might qualify for additional benefits if you have dependents. I get an extra $25/week for my kid.

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I don't have dependents but good to know for others reading this.

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Yeah the dependent allowance helps a bit. Not much but every little bit counts when you're unemployed.

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Just make sure when you calculate your expected benefits that you account for taxes. Washington unemployment benefits are subject to federal income tax, though you can choose to have taxes withheld or pay quarterly.

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Good point about taxes. I hadn't thought about that aspect yet.

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Yeah, definitely factor that in when budgeting. You can elect to have 10% withheld for federal taxes when you file your weekly claims.

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been on unemployment twice in the past 5 years and both times the benefit calculation was pretty straightforward once i actually got to talk to someone at washington esd. the hard part is getting through to them in the first place

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Exactly! The calculation isn't the problem, it's getting answers when you have questions.

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That's why I ended up using Claimyr both times I needed to reach them. So much easier than the phone tree nightmare.

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One thing to keep in mind is that if you have any severance pay, that might affect when your benefits start. Washington ESD treats severance differently depending on how it's paid out.

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I do have some severance coming. How does that typically work with unemployment timing?

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If it's paid as a lump sum it usually doesn't delay benefits, but if it's paid out over time it might. Definitely something to ask Washington ESD about.

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The benefit amount formula is: (High Quarter wages ÷ 26) + 15% of that amount, up to the maximum of $999. So for your $85K salary, if your highest quarter was around $21K, you'd be looking at probably $850-900/week.

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That's a really helpful breakdown of the actual formula. Thanks!

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No problem! I had to learn all this when I got laid off last year. The Washington ESD website doesn't explain it very clearly.

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Don't forget about the Extended Benefits program if regular UI runs out. Sometimes available during high unemployment periods, though it hasn't been triggered recently in Washington.

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Good to know that exists as a backup option if needed.

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Yeah hopefully you won't need it, but it's there if unemployment stays high statewide.

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i qualified for the max benefit when i got laid off from amazon last year. took about 4 weeks to get my first payment because they had to verify some employment dates. just be patient with the process

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4 weeks seems like a long time to wait for the first payment. Was that typical?

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not sure if typical but wasn't unusual either. some people get approved faster, some take longer depending on their situation

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Pro tip: start documenting your job search activities right away even before you file. Washington requires 3 job search contacts per week and they do audit people randomly.

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Thanks for the heads up about starting the job search documentation early.

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Yeah better to have too much documentation than not enough if they audit your claim.

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The maximum duration is 26 weeks in Washington unless extended benefits are available. Your benefit year lasts 52 weeks from when you first file, but you can only collect for 26 weeks during that year.

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Got it, so 26 weeks of benefits within a 52-week benefit year. That makes sense.

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Exactly. And if you find work and get laid off again within that benefit year, you might be able to reopen your existing claim.

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Just wanted to add that if you're considering consulting or freelance work while on unemployment, make sure you report ALL income. Even small amounts can affect your weekly benefit, but you can usually still collect partial benefits.

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Good point about reporting all income. I wasn't sure how strict they were about small freelance payments.

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They're pretty strict about income reporting. Better to over-report than under-report and face potential overpayment issues later.

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