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Oliver Brown

What happens after you exhaust unemployment benefits - Washington ESD ran out

My regular UI benefits just ended last week after hitting my maximum benefit amount. Washington ESD sent me a notice saying I've exhausted my claim but I'm still unemployed and actively looking for work. What are my options now? Do I need to file a new claim or wait for some kind of extension? I've been searching for jobs for 8 months and still haven't found anything in my field. Really worried about how I'm going to pay rent next month.

Unfortunately when you exhaust your regular UI benefits in Washington, that's it for that benefit year. There aren't any federal extensions like there were during the pandemic. You'd need to wait until your benefit year ends to potentially file a new claim, but you'd need to have worked enough to qualify again.

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How long is a benefit year? And how much do I need to work to qualify for a new claim?

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Benefit year is 52 weeks from when you first filed. You need to earn at least $3,400 in covered wages in your base period to qualify for a new claim.

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same boat here, exhausted my benefits in November and been struggling ever since. applied for food stamps and medicaid at least

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Yeah I should probably look into other assistance programs. This is really stressful.

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Check with DSHS for food assistance and Apple Health. Also look into local food banks and utility assistance programs.

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I had the same issue trying to figure out what to do after my benefits ended. Spent weeks trying to get through to Washington ESD to ask about my options. Finally used this service called Claimyr (claimyr.com) that helped me get connected to an actual agent. They explained that I could potentially work part-time to build up new qualifying wages. There's a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works.

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How much does that service cost? I'm already broke from being unemployed.

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They don't charge anything upfront and it's way cheaper than the stress of trying to call Washington ESD for hours. Worth checking out their site for the details.

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I've heard of Claimyr but wasn't sure if it was legit. Good to know it actually works for getting through to Washington ESD.

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After exhausting regular UI, your main options are: 1) Work enough to qualify for a new claim when your benefit year ends, 2) Apply for other assistance programs like SNAP and Medicaid, 3) Look into local workforce development programs that might offer job training with stipends, 4) Check if you qualify for any disability benefits if you have health issues preventing work.

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What kind of workforce development programs are available? I've been in marketing but might need to switch fields.

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WorkSource Washington has various training programs. You can find locations and programs on their website. Some offer financial assistance during training.

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seconding worksource, they helped me get into a medical assistant program when I couldn't find work in retail

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THE WHOLE SYSTEM IS BROKEN!!! They give you just enough to survive for a few months then cut you off completely. Meanwhile politicians get their paychecks no matter what. It's disgusting how they treat working people in this state.

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I mean I get the frustration but I'm more looking for practical advice right now.

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honestly though they're not wrong, the system sucks

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One thing to keep in mind - if you do any gig work or part-time work while looking for full-time employment, keep track of your earnings. You might be able to qualify for a new claim sooner than waiting the full benefit year if you earn enough.

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How much would I need to earn to qualify for a new claim early?

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You need to earn at least 6 times your weekly benefit amount after your claim was established, plus meet the total wage requirements.

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also check if your previous employer offers any kind of severance or extended benefits you might have missed

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Already checked - they didn't offer anything beyond what I already got.

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Another thing I learned when I talked to Washington ESD through Claimyr - if you have any weeks where you worked but didn't claim because you thought you were over the earnings limit, you might be able to go back and claim those weeks if you were under the limit. Worth asking about.

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I don't think I have any unclaimed weeks but that's good to know.

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Yes, you can request to reopen weeks within a certain timeframe if you have good cause for not filing.

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honestly at this point im just doing doordash and uber to survive, its not great but pays something

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Yeah I've been thinking about gig work too. Better than nothing I guess.

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Just remember that gig work income is taxable and you'll need to set aside money for taxes since they don't withhold.

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been there! what helped me was making a strict budget and cutting everything non-essential. also hit up food banks regularly

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Yeah I've already cut pretty much everything. Food banks are a good idea though.

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If you're still actively job searching, make sure you're documenting everything for when you do work again. Future employers sometimes want to see what you were doing during unemployment gaps.

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Good point. I've been keeping a job search log anyway from when I was on UI.

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One more resource - 211 is a helpline that can connect you with local assistance programs. Just dial 2-1-1 from any phone. They can help you find food assistance, utility help, housing assistance, etc.

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I'll definitely call them. Thanks for all the helpful info everyone.

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211 is legit, they helped me find rental assistance when I was between jobs

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my cousin went through this last year and ended up taking a job at costco just to get some income flowing again, worked out well for him actually

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Yeah I might need to expand my job search to include retail and other industries.

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Also worth mentioning - if you find work but it's lower paying than your previous job, you might be able to get partial unemployment benefits if your hours are reduced or wages are significantly lower. Washington has provisions for underemployment.

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That's actually really helpful to know. I was worried about taking a lower paying job and losing any chance at benefits.

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Yes, as long as you're working less than full-time or earning less than your weekly benefit amount plus $5, you might qualify for partial benefits.

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whatever you do dont let them make you feel bad about needing help. you paid into this system with your taxes

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Thanks, I needed to hear that. This whole situation has been really demoralizing.

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Just remembered - when I used Claimyr to talk to Washington ESD, they also mentioned that some people qualify for Trade Adjustment Assistance if their job loss was due to foreign trade. Might be worth asking about if that applies to your situation.

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I don't think my job loss was trade-related but I'll look into it.

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hang in there, this too shall pass. took me 11 months to find something after my benefits ran out but i eventually did

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11 months?! That's terrifying but glad you found something eventually.

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yeah it was rough but i learned a lot about perseverance and found resources i didnt know existed

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one last thing - if you have any retirement accounts like 401k you might be able to take hardship withdrawals but talk to a financial advisor first about the penalties

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I have a small 401k but I'm hoping to avoid touching it if possible.

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Good thinking. Early withdrawal penalties can be steep and you'd lose the long-term growth potential.

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check with your local churches too even if youre not religious, a lot of them have assistance programs for people in need

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That's a good idea. I'll look into community resources like that.

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Final thought - keep checking the Washington ESD website for any new programs or changes. Sometimes they announce temporary assistance programs or changes to eligibility requirements. And definitely keep your claim profile updated even though you're not getting benefits anymore.

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Will do. Thanks everyone for all the advice and support. This has been really helpful.

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