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Nia Wilson

What are the eligibility requirements for unemployment insurance in Washington state?

I'm thinking about filing for unemployment but want to make sure I meet all the requirements first. I worked at a retail store for about 8 months before they laid me off last week due to downsizing. I'm not sure what Washington ESD looks for when they review applications. Do I need to have worked a certain amount of time? What about earnings requirements? Also heard something about being able and available for work - what does that actually mean? Any help understanding the basic eligibility stuff would be great before I start the application process.

The main Washington ESD eligibility requirements are pretty straightforward but they do check everything carefully. You need to have earned at least $5,265 in your base period (first 4 of last 5 completed quarters) and worked in at least 2 quarters. You also need to be unemployed through no fault of your own, able and available for work, and actively seeking employment. Since you were laid off that should cover the separation requirement.

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Thanks! How do I know what my base period earnings were? Is that something I can check before applying?

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You can estimate it from your pay stubs or W-2s. Washington ESD will verify your wages with employers during the application process.

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The able and available part trips up a lot of people. You have to be physically and mentally capable of working, available for full-time work during normal business hours, and not have any restrictions that would prevent you from accepting suitable work. If you have transportation issues or childcare problems that could affect your availability.

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I don't have any restrictions like that. Do they actually check if you're really available or is it just something you certify?

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They can and do check, especially if there are questions about your claim. Better to be honest upfront than deal with overpayment issues later.

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Don't forget about the job search requirements too. 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. Make sure you understand what counts as a valid job search contact before you start filing weekly claims.

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What counts as a job search contact? Just applying online or do you need to do more?

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Online applications count, but so do networking events, career fairs, informational interviews, and contacting employers directly. Keep records of everything with dates and details.

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The WorkSourceWA website has a good job search log feature that makes tracking easier.

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Had similar situation last year when my hours got cut to almost nothing. One tip - if you're having trouble reaching Washington ESD to ask questions about your eligibility, I found this service called Claimyr that helps you get through to actual agents. Their website is claimyr.com and they have a demo video at https://youtu.be/7DieNd3C7zQ showing how it works. Saved me hours of busy signals and disconnected calls.

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Is that legitimate? I've never heard of paying someone to help you call a government office.

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Yeah it's legit, they don't handle your claim or anything like that. Just helps you get connected to Washington ESD phone agents when the lines are jammed. I was skeptical too but it actually worked.

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the earnings thing is confusing. i think i made enough money but it was spread across like 3 different jobs. does that matter?

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No, multiple jobs is fine. Washington ESD combines all your W-2 wages from all employers during your base period to determine if you meet the earnings requirement.

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ok good. one of those jobs was only for like 6 weeks but i guess every bit helps

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Another requirement people forget is that you have to be a US citizen or have work authorization. They verify this during the application process. Also if you're receiving certain types of pensions or retirement benefits it might affect your UI eligibility.

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I'm a citizen and don't have any pensions so that shouldn't be an issue for me.

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Make sure you file your claim as soon as possible after your last day of work. There's a waiting week but you want to get the process started. The longer you wait the more complicated it can get, especially if Washington ESD has questions about why you waited to file.

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It's only been a week since I was laid off. How long do I have to file?

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Technically you can file up to a year later but you'll lose benefits for any weeks you delay. File this week if possible.

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Does anyone know if they check your bank account or anything like that? I have some savings but not much and I'm worried they'll say I don't need unemployment because of it.

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No, having savings doesn't disqualify you from unemployment benefits. The eligibility is based on your work history and how you became unemployed, not your current financial situation.

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That's a relief. I was afraid to even apply because of that.

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One thing to watch out for - if you do any side work or gig work while collecting UI, you have to report ALL earnings on your weekly claims. Even like $20 from DoorDash or whatever. Washington ESD will find out eventually and then you'll have overpayment issues.

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Good to know. I was thinking about doing some delivery work if I can't find a regular job quickly.

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You can still do it, just report everything honestly. They reduce your weekly benefit but don't usually eliminate it completely unless you earn more than your weekly benefit amount plus $5.

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The whole system is so complicated honestly. I've been trying to call Washington ESD for two weeks just to get basic questions answered about my claim and can never get through. The phone just rings busy or disconnects after being on hold forever.

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That's exactly why I mentioned Claimyr earlier. The Washington ESD phone system is a nightmare but that service actually got me through to a human in like 10 minutes.

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Might have to try that. This is ridiculous that you have to pay someone just to talk to the government office that's supposed to help you.

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I used something similar when I had adjudication issues last year. Worth it if you actually need to speak to someone and the regular phone system isn't working.

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Wait, I thought there was a requirement about looking for work in your same field or something? I used to be a manager but I'm willing to take any job now. Does Washington ESD care about that?

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For the first few weeks you can be selective about suitable work, but as time goes on Washington ESD expects you to expand your search to include jobs that pay at least 70% of your previous wage. Eventually you may need to take any work you're capable of doing.

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Makes sense. I'd rather find work quickly anyway than drag this out.

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Just want to add that if you get denied for any reason, don't panic. You can appeal the decision and they'll review everything again. I got initially denied because of some paperwork mix-up but the appeal went through fine.

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How long does the appeal process take?

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Mine took about 6 weeks but that was during busy season. Keep filing your weekly claims even while the appeal is pending.

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Pro tip: when you file your initial claim, have all your employment info ready including exact dates, employer addresses, and reason for separation. The more accurate info you provide upfront, the less likely you'll end up in adjudication.

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I have most of that info. What's adjudication exactly?

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It's when Washington ESD needs to investigate something about your claim before they can approve benefits. Can add weeks to the process.

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omg the job search requirements are so annoying. like i'm obviously looking for work why do i have to document every single thing i do???

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I know it's a pain but they audit job search activities regularly. It's better to over-document than to get caught without proper records and have your benefits stopped.

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ugh fine. guess i'll start keeping better track of everything

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Does anyone know if volunteer work affects your eligibility? I've been volunteering at a food bank a few hours a week and wondering if I need to report that.

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Volunteer work doesn't usually affect eligibility as long as you're not receiving any compensation and it doesn't interfere with your availability for paid work.

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Good to know, thanks. It's actually helping me stay busy and network so I'll keep doing it.

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The biggest thing is just being honest about everything. Washington ESD will verify your information with employers and if they find discrepancies it can cause major problems. Better to be upfront about any complications in your work history.

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My situation was pretty straightforward - just a layoff due to company downsizing. Hopefully that makes things easier.

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That should be fine. Layoffs are usually processed without issues as long as you meet the wage and work requirements.

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i'm in similar boat. got laid off from restaurant job after 10 months. seems like i should qualify but nervous about applying. what if they say no?

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If you worked 10 months and were laid off, you probably qualify assuming you earned enough wages. The worst they can do is say no, and then you can appeal if needed.

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true. might as well try. thanks for the encouragement

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One last tip - once you're approved and start receiving benefits, don't forget to pay attention to tax implications. UI benefits are taxable income. You can have taxes withheld from your weekly payments or handle it when you file your return.

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Good point. I'll probably have them withhold taxes to avoid a big bill later.

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Smart choice. The withholding is 10% federal but you might owe state taxes too depending on your total income for the year.

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Thanks everyone for all the helpful info. I think I understand the requirements now and it sounds like I should qualify. Going to gather all my employment docs and file this week. Appreciate all the detailed responses!

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Good luck with your claim! Feel free to ask if you run into any issues during the application process.

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And remember, if you need to talk to Washington ESD directly about anything, that Claimyr service I mentioned earlier is still available. Much easier than trying to get through on your own.

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