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Zoe Papadakis

What does unemployment pay in Washington - trying to figure out weekly benefit amount

I'm trying to calculate what my unemployment benefits would be if I get laid off from my warehouse job. I make about $52,000 a year but hours have been cut recently. Does anyone know how Washington ESD calculates the weekly benefit amount? I've heard it's based on your highest quarter but I'm not sure how that works. Also wondering if there's a maximum weekly benefit amount in Washington state?

Washington ESD uses your highest quarter earnings from your base year to calculate benefits. The weekly benefit amount is roughly 1/26th of your highest quarter wages. For 2025, the maximum weekly benefit is $999 plus a $25 dependency allowance if you have dependents.

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Thanks! So if my highest quarter was around $15,000, I'd get about $577 per week?

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That sounds about right, though Washington ESD has specific tables they use. You can get an estimate on their website before filing.

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The calculation is actually more complex than just dividing by 26. Washington uses a benefit table that considers your total base year wages and your highest quarter. Your weekly benefit amount will be between $295 minimum and $999 maximum for 2025.

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Where can I find this benefit table? I want to calculate it myself before filing.

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It's on the Washington ESD website under benefit calculator tools. Just search for 'unemployment benefit calculator Washington.

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Mei Liu

I tried that calculator last month and it was pretty accurate compared to what I actually got approved for.

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I've been trying to get through to Washington ESD for weeks to ask about my benefit calculation because the online estimate seems wrong. Their phone lines are impossible - I've called over 200 times and either get busy signals or hung up on after waiting an hour. Has anyone found a way to actually talk to someone there?

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I had the same problem until I found Claimyr. It's a service that helps you get through to Washington ESD agents by phone. Check out claimyr.com - they have a video demo at https://youtu.be/7DieNd3C7zQ showing how it works. I finally got my benefit questions answered after weeks of trying on my own.

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Is that legit? I'm so desperate at this point I'll try anything to talk to someone at Washington ESD.

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Yeah it worked for me. They basically handle the calling and waiting so you don't have to sit on hold for hours or keep redialing.

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Don't forget you can work part-time and still collect some unemployment benefits in Washington. They have a formula where you can earn up to your weekly benefit amount without losing benefits entirely.

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Really? I didn't know you could work and still get benefits. How does that calculation work?

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If you earn less than your weekly benefit amount, they reduce your UI payment by 75% of your earnings. So some benefit is better than none if you can only find part-time work.

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washington unemployment pays nothing lol. took me 3 months to get approved then they said i was overpaid and wanted money back. system is broken

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Overpayment notices are usually due to reporting errors or changes in your claim. Did you report all your work and earnings correctly on your weekly claims?

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yeah i reported everything. they just screwed up somewhere and now want me to pay back $2800

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You can appeal overpayment determinations. Don't ignore it - file an appeal within 30 days and request a hearing to review their decision.

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Mei Liu

The dependency allowance is worth mentioning too. If you have a dependent child or spouse, you get an extra $25 per week added to your benefit amount. Not huge but every bit helps.

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How do you prove dependency for the extra $25? Do they need birth certificates or something?

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Mei Liu

Yeah you'll need documentation like birth certificates for kids or marriage certificates for spouses. They verify it when processing your claim.

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Just remember unemployment benefits are taxable income. Don't forget to set aside money for taxes or have them withhold 10% when you file your weekly claims.

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Good point! I didn't think about taxes. Is it better to have them withhold or pay quarterly?

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Depends on your situation but having them withhold 10% is usually easier than dealing with quarterly payments or a big tax bill next year.

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Washington state doesn't have income tax but you still owe federal taxes on unemployment benefits. I learned that the hard way last year.

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Correct - Washington ESD will send you a 1099-G form for federal tax purposes but no state taxes since Washington doesn't have state income tax.

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Exactly. Just wanted to clarify that since some people think no state income tax means no taxes at all on unemployment.

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The benefit year lasts 52 weeks but you can only collect benefits for up to 26 weeks maximum (unless there are federal extensions). Make sure you understand that before planning your finances.

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So even if I qualify for $600 a week, I can only get it for 26 weeks total?

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Right. Your total benefit amount is your weekly benefit times 26, or your total base year wages divided by 4, whichever is less.

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That's the standard duration. Some people qualify for fewer weeks if their base year wages were low or if they've already used some benefits in the past year.

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I'm confused about the base year calculation. Is it the last 4 quarters I worked or is it different? My employment history is kind of scattered.

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The base year is the first 4 of the last 5 completed calendar quarters before you file. So if you file in March 2025, your base year would be October 2023 through September 2024.

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That's confusing. What if I didn't work much during that period but worked more recently?

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You might qualify for an alternate base year which uses the most recent 4 quarters. Washington ESD will automatically check this if you don't qualify under the regular base year.

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Does anyone know if Washington unemployment pays for training programs? I heard you can get benefits while going to school or training for a new career.

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Yes, Washington has the Training Benefits program that allows you to attend approved training while receiving benefits. You have to get pre-approval from WorkSource though.

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How do I find out what training programs are approved? I'd love to get some new skills while collecting benefits.

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Check with your local WorkSource office. They have lists of approved training providers and can help you apply for the Training Benefits program.

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Been trying to call Washington ESD for two weeks about my benefit calculation and can't get through. The automated system is useless and keeps hanging up on me. Anyone else having this problem?

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Same here! I mentioned earlier that I found Claimyr which helps you get through to agents. It's been a lifesaver since I was getting nowhere calling on my own.

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Is it expensive? I'm already stressed about money and don't want to pay a lot just to talk to someone.

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It's worth it compared to the time and frustration of trying to call yourself. Plus you actually get to talk to a real Washington ESD agent who can answer your specific questions.

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Quick question - do tips count toward your base year wages for benefit calculation? I work in a restaurant and get a lot of cash tips that I report on taxes.

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Yes, all wages you report to IRS count including tips. Washington ESD uses the same wage information that goes to Social Security Administration.

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Good to know! I was worried my benefits would be low because my base wage is only minimum but with tips I make decent money.

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For anyone wondering about the math: if you made $60k last year and your highest quarter was $16,500, your weekly benefit would be around $635 per week. The exact amount depends on Washington's benefit table.

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That's helpful! My situation is similar so that gives me a good estimate.

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Remember that's before taxes if you choose to have them withheld. The actual amount you receive could be 10% less.

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One thing people don't realize is that Washington unemployment benefits can be affected by pensions or retirement pay. If you're getting any retirement income, it might reduce your weekly benefit amount.

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Good point. Social Security retirement benefits don't affect UI but other pensions might depending on how they're funded.

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Exactly. It's complicated but Washington ESD will ask about any retirement income when you file your claim.

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Also remember you have to be actively looking for work to keep getting benefits. Washington requires 3 job search contacts per week and you have to register with WorkSource.

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

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Applying online counts but you can also do things like attending job fairs, networking events, or contacting employers directly. Keep detailed records of everything.

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The job search log in your eServices account makes it easy to track your contacts. Make sure to log them every week when you file your weekly claim.

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Last thing - if you quit your job you probably won't qualify for benefits unless you quit for good cause. Being laid off or fired for reasons other than misconduct usually qualifies you.

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What's considered 'good cause' for quitting? I'm thinking about leaving my current job but don't want to lose unemployment eligibility.

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Things like unsafe working conditions, harassment, or significant changes to your job terms. But it's risky - you'd have to prove good cause to Washington ESD.

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If you're considering quitting, try to get Washington ESD guidance first. Each situation is different and the good cause standards are pretty strict.

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