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Malik Davis

What happens if I exhaust my Washington ESD unemployment benefits - any options left?

I'm getting close to running out of my regular UI benefits and I'm honestly freaking out a bit. I've been on unemployment for about 5 months now and Washington ESD shows I only have like 3 weeks left of payments. I'm still actively job searching but the market is brutal right now. What exactly happens when you exhaust your benefits? Are there any extensions or other programs I can apply for? I keep hearing different things from people and I'm not sure what's accurate. Really need to know my options before I hit zero.

Once your regular UI benefits are exhausted, that's typically it for standard unemployment. There aren't the extended benefit programs that existed during COVID anymore. You might qualify for other assistance programs though - SNAP, housing assistance, etc. The key is to start applying for those BEFORE your benefits run out.

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Thanks for the heads up. I should probably start looking into those other programs now then. Do you know if there's a waiting period between when UI ends and when you can apply for other assistance?

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No waiting period for most programs, but they have their own eligibility requirements and processing times. Better to apply early.

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same boat here, down to my last month of benefits and still no solid job offers despite sending out applications daily

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It's so stressful isn't it? The job market feels impossible right now. What industry are you in?

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retail management, everything seems to want part time only or pays way less than what i was making before

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There are a few things to understand about benefit exhaustion. First, Washington state does have an Extended Benefits (EB) program, but it's only triggered when unemployment rates hit certain thresholds statewide. Right now, we're not in an EB period. Second, make sure you're maximizing your job search efforts - WorkSourceWA has additional resources beyond just the requirement logging. Third, if you haven't already, contact Washington ESD directly to discuss your situation. Sometimes there are programs or resources that aren't widely advertised.

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I didn't know about the Extended Benefits program. How do I find out if Washington triggers that? And yes, I've been using WorkSourceWA for the job search logging.

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Washington ESD posts EB status on their website. It's based on state unemployment rates compared to previous years. As for contacting ESD directly, good luck getting through on the phone - you might want to try Claimyr (claimyr.com) to actually reach an agent. They have a system that gets you through the busy signals.

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Wait, I thought there were always extensions available? Like doesn't the federal government have programs when regular benefits run out?

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Not anymore. The federal extension programs like PEUC ended in 2021. Those were pandemic-era benefits. Right now it's just regular UI (up to 26 weeks in Washington) and potentially Extended Benefits if the state unemployment rate triggers it.

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Oh wow, I had no idea those programs ended. That's really concerning for people in situations like this.

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Yeah the whole system feels pretty bare bones now compared to during COVID. Really puts pressure on people to find anything just to survive.

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I exhausted my benefits last year and here's what I learned: apply for everything you can think of immediately. SNAP, utility assistance, rental assistance if you're renting, food banks, everything. Don't wait until you're desperate. Also, if you have any kind of disability or health condition, look into DSHS programs. The application processes take time so start now.

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This is really helpful, thank you. I guess I was hoping there would be some kind of unemployment extension I didn't know about, but sounds like I need to pivot to other assistance programs.

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Exactly. And don't feel bad about needing help - you paid into these systems. Also check with local churches and community organizations, many have emergency assistance funds.

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THE SYSTEM IS DESIGNED TO FAIL PEOPLE!!! They give you just enough to survive while you look for work but not enough time to actually find decent employment. Then when benefits run out they expect you to take any minimum wage job available. It's a trap!

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i mean i get the frustration but what's the alternative? unlimited benefits?

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Maybe actually fund job training programs that lead to real careers instead of just pushing people into whatever's available? Other countries do it better.

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While I understand the frustration, the current system does provide some transition time. The key is using that time effectively and having backup plans ready.

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Have you looked into retraining programs? I know WorkSource has some funding for people to go back to school or learn new skills while they're still on benefits. Might be worth checking out if you have time left.

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I hadn't thought about that. Do you know if those programs extend your benefit eligibility while you're in training?

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I think some do but I'm not sure of the specifics. You'd have to ask WorkSource directly or call Washington ESD to find out the details.

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Just went through this exact situation 6 months ago. After my benefits ended, I had to get creative. Started doing gig work (DoorDash, Instacart) just to have some income coming in while continuing to look for regular employment. It's not ideal but it helps bridge the gap. Also signed up for temp agencies - at least that's somewhat stable income.

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Yeah I've been thinking about gig work as a backup. Did you have any issues with Washington ESD if you found regular work later? Like do you have to report the gig income?

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Once your benefits are exhausted, you don't have to report anything to ESD unless you reopen a claim later. But keep records of everything just in case.

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Good point about keeping records. If you do find work after exhausting benefits and then become unemployed again, you may be able to file a new claim depending on your work history and earnings.

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ok this might sound dumb but what if you just don't file your last weekly claim? like if you have one week left, does that save it for later?

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No, that's not how it works. Your benefit year has an end date regardless of whether you file weekly claims. If you don't file, you just lose that week's payment. The benefit year still expires on schedule.

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oh dang ok thanks for clarifying that

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I had to call Washington ESD about this exact question last month and couldn't get through for days. Finally used this service called Claimyr that actually got me connected to a real person at ESD. They confirmed what others are saying - no extensions right now, but they did tell me about a couple local workforce development programs I hadn't heard of. Worth trying if you need to talk to someone directly. The website is claimyr.com and they have a video showing how it works.

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Interesting, I've never heard of that service. Did they charge you to make the call?

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Yeah there's a fee but honestly it was worth it to actually get answers instead of listening to busy signals for hours. They have a demo video at https://youtu.be/7DieNd3C7zQ that explains how it works.

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I'm skeptical of any service that charges to contact government agencies. Isn't that information supposed to be free?

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The information is free, but getting through on the phone isn't exactly accessible when the lines are constantly busy. Different people value their time differently I guess.

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Don't forget about the Disaster Unemployment Assistance if there's been any declared disasters in your area recently. Sometimes people miss those programs.

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DUA is only for people whose unemployment is directly caused by a declared disaster, not for regular job loss situations. But good reminder that these specialized programs exist.

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my friend told me you can sometimes get benefits from other states if you worked there recently? is that true or just rumors

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You file for unemployment in the state where you worked, not where you live. If you worked in multiple states, there are interstate claim procedures, but it's more complicated. You'd need to contact the appropriate state agencies to figure out which state should handle your claim.

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ok that makes sense, thanks

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The reality is harsh but true - you need to have multiple backup plans ready before you hit zero. I learned this the hard way. Food banks, church assistance, family help if available, temp work, anything. Don't wait until the last minute.

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You're right, I probably should have started planning this earlier. I kept hoping I'd find something before my benefits ran out.

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It's not too late if you still have 3 weeks. Start making those calls and applications now. Better to have help lined up and not need it than the other way around.

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Check if your county has any emergency assistance programs too. Some counties have their own unemployment gap programs or emergency funds for people transitioning off benefits.

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That's a great idea, I'll look into what King County has available.

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Yeah each county is different. Pierce County has some programs that King doesn't and vice versa. Worth checking your specific county's website.

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also make sure you understand the rules about filing a new claim later if you do find work. i think you need to work a certain amount before you can get benefits again

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Correct. In Washington, you generally need to earn at least 6 times your weekly benefit amount in covered employment before you can establish a new benefit year. The specifics can be complex though.

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I went through benefit exhaustion two years ago and the stress was unreal. Started having panic attacks about money. If you're feeling overwhelmed, don't ignore the mental health aspect. There are free counseling resources available too.

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Thank you for mentioning that. The stress is definitely getting to me and I hadn't thought about counseling resources.

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Washington has a crisis line and there are community mental health centers with sliding scale fees. Taking care of your mental health helps you job search more effectively too.

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Last resort but important to know - if you end up homeless or at risk of homelessness, there are rapid rehousing programs and emergency shelters. Again, better to research these resources before you need them.

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Hopefully it won't come to that but good to know these programs exist. This whole thread has been really eye-opening about resources I didn't know about.

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One more thing - document everything. Keep records of all your job applications, interviews, any assistance you apply for, etc. If you ever need to prove you were actively seeking work or justify gaps in employment, having detailed records helps.

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Good point. I've been keeping my job search log for ESD but I should probably be more detailed about other things too.

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Exactly. Future employers or assistance programs might ask for proof of your job search efforts or timeline of events.

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Thanks everyone for all the advice and information. This has been really helpful and honestly makes me feel less alone in this situation. I'm going to start applying for assistance programs this week and reach out to some of the resources mentioned. Hopefully I'll find something before my benefits run out but at least now I have backup plans.

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Good luck! Having a plan definitely helps reduce the stress. Keep us updated on how things go.

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You've got this! The transition period is tough but having multiple supports in place makes it manageable.

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Hey Malik, I went through this exact situation about 8 months ago and I know how scary it feels. One thing that really helped me was contacting 211 (just dial 2-1-1) - they have a database of local resources and can help you find assistance programs in your specific area that you might not know about. They helped me find a local nonprofit that had emergency utility assistance and even some job placement services. Also, if you're struggling with food costs, don't overlook the food banks - many of them also have connections to other community resources and job opportunities. The key is to start reaching out now while you still have those 3 weeks of benefits coming in. You're not alone in this and there are more resources available than you might realize.

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