Washington ESD unemployment benefits vs accident sickness coverage - confused about the difference

That makes sense actually. I was getting overwhelmed trying to understand all the different benefit types available.

yeah there's like workers comp, disability, unemployment, and then private insurance stuff too. gets confusing fast

I've been trying to call for weeks but can never get through. The phone lines are always busy or I get disconnected after waiting for hours.

Have you tried using Claimyr? I found out about it from someone on here and it actually got me through to a Washington ESD agent within 30 minutes. There's a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Way better than sitting on hold for hours.

Never heard of that before. Is it legit? I'm desperate at this point.

OH! That explains why I couldn't find anything about it on the Washington ESD website. I think I might have this through my credit card actually.

Most people don't even realize they have ASU coverage until they need it. Check your credit card statements or loan documents.

Generally yes, you can receive both because they serve different purposes. ASU insurance covers specific financial obligations like loan payments, while Washington ESD unemployment provides general income replacement. But you should read your ASU policy terms to be sure.

Good point about reading the fine print. Insurance companies love their exclusions.

It really is a maze. Each program has different eligibility requirements and they don't always coordinate well with each other.

And half the time the people answering the phones don't even understand how they interact with each other.

How much does it cost though? I'm already strapped for cash being unemployed.

I don't want to get the price wrong, but it was worth it for me to actually talk to someone at Washington ESD about my claim issues. Check their website for current pricing.

That's exactly what I'm trying to figure out. My doctor says I can do some types of work but not my previous job. I'm not sure if that makes me eligible for UI or not.

That's a tricky situation that really needs individual assessment. Definitely worth getting clarification from Washington ESD directly about your specific circumstances.

That's really helpful to know. I think I need to dig through my paperwork and see what coverage I actually have.

Same here, I found out I had ASU on my car loan that I'd completely forgotten about. Helped a lot during my unemployment period.

Exactly! I was reading some financial advice article and couldn't tell which type they were talking about.

Financial websites are the worst for this. They mix up terminology all the time.

Good point. I'll need to contact my credit card company to see if I even have this coverage and how to file a claim if I do.

Most credit card companies have ASU info buried in their website somewhere. Sometimes it's called 'payment protection' instead of ASU.

It worked for me twice now. Once to check on my claim status and once to ask about job search requirements. Both times I got through to someone who could actually help.

I used it last month and it was legit. Way better than the regular phone number which just hangs up on you half the time.

Okay you've convinced me. I'll check out that demo video and see if it's worth trying.

Thank you! This thread has been incredibly helpful. I feel like I actually understand the difference now.

This is exactly the kind of confusion that makes dealing with unemployment so stressful. Good explanation!