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GalacticGladiator

What happens when you run out of unemployment money in Washington ESD?

My regular UI benefits are about to expire next week and I'm freaking out. I've been unemployed for 23 weeks now and still haven't found steady work. What exactly happens when Washington ESD runs out of money to pay me? Do I automatically qualify for extended benefits or am I just cut off? I've heard conflicting information from different people and the Washington ESD website isn't super clear about this. Has anyone been through this situation recently?

Once your regular UI benefits are exhausted, you'll need to check if you qualify for Extended Benefits (EB). Washington ESD will send you a notice about whether EB is available in your area. It depends on the state's unemployment rate.

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Do I need to file a new application for Extended Benefits or does it happen automatically?

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You should receive a notice from Washington ESD with instructions. Usually you need to file a new application, but keep filing your weekly claims in the meantime.

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I went through this last year. After my 26 weeks of regular benefits ended, I had to wait about 2 weeks before hearing back about Extended Benefits. The gap was stressful but I eventually got approved for another 13 weeks.

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That's a relief to hear! Did you have to meet any additional job search requirements for the extended benefits?

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Yes, the job search requirements were actually stricter. I had to document more job contacts per week and attend additional WorkSource meetings.

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If you're having trouble getting through to Washington ESD to ask about your benefit exhaustion, I found this service called Claimyr that helps people reach agents faster. Check out claimyr.com - they have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Made a huge difference when I needed to clarify my benefit status.

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Interesting, never heard of that service before. Is it legit or just another scam?

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It's legitimate - they don't ask for any personal info, just help you get through the phone queue. Saved me hours of redialing.

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The Washington ESD system is so confusing about this stuff! I think they do it on purpose to discourage people from claiming benefits they're entitled to.

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While it can be frustrating, Washington ESD is required to follow federal guidelines for benefit extensions. The complexity comes from different programs having different eligibility rules.

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Still doesn't excuse the lack of clear communication to claimants about what happens next.

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wait so there's benefits after the 26 weeks? I thought that was it and then you're on your own

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Extended Benefits (EB) can provide additional weeks, but it's not guaranteed. It depends on the state's unemployment rate at the time your regular benefits end.

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ok that makes sense, guess I should start preparing for the possibility of no extension

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Update: I called Washington ESD this morning and actually got through! They confirmed that Extended Benefits aren't currently available in my county because the unemployment rate isn't high enough. So I'm basically done after next week unless something changes.

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That's tough, but at least you have a clear answer now. Have you looked into other assistance programs while you continue job searching?

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Yeah, I'm going to apply for SNAP benefits and see what other local resources are available. The job market is still pretty rough in my field.

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How did you manage to get through to Washington ESD? Every time I call I get the busy signal or get disconnected after waiting forever.

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I actually used that Claimyr service someone mentioned earlier. Worth every penny to avoid the phone hell.

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Might have to try that myself. The regular phone system is absolutely useless.

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For anyone in this situation, it's important to understand that benefit exhaustion doesn't mean you can't file for unemployment again if you become unemployed in the future. Your benefit year just needs to end and you need to have earned enough wages to establish a new claim.

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Good point! A lot of people don't realize that unemployment benefits can be used multiple times if you meet the wage requirements.

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How much do you need to earn to qualify for a new claim? Is it the same as the initial requirements?

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You need to earn at least your weekly benefit amount times 6 in new wages since your last claim started. So if your WBA was $400, you'd need $2,400 in new earnings.

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This whole system is designed to push people off benefits as quickly as possible. The hoops you have to jump through are ridiculous.

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I understand the frustration, but the system is actually trying to balance providing temporary assistance while encouraging return to work. It's not perfect but it serves an important purpose.

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Tell that to someone who's been looking for work for 6 months and still can't find anything in their field.

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I'm in a similar boat - benefits end in 3 weeks and I'm terrified. Been applying to everything but not getting callbacks. The job market is brutal right now.

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Hang in there! Have you tried expanding your search to related fields or considering temporary work while you look for something permanent?

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Yeah I've been doing gig work on the side but it's not nearly enough to cover my expenses. Might have to take a job outside my field just to survive.

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Does anyone know if you can collect unemployment if you take a part-time job? I might have an opportunity for 20 hours a week but don't want to lose my benefits completely.

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Yes, you can work part-time and still collect partial unemployment benefits. Washington ESD will reduce your weekly benefit amount based on your earnings, but you won't lose everything.

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That's good to know! I'll definitely look into that option then.

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The anxiety of running out of benefits is almost worse than being unemployed itself. At least there's some certainty in knowing exactly when the money stops.

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I totally understand that feeling. The uncertainty is the worst part. At least now I can plan accordingly.

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Exactly! Better to know what you're dealing with than to be left guessing.

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so what happens to your health insurance when benefits run out? does that end too?

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If you're on Apple Health (Medicaid) through Washington State, that's separate from your unemployment benefits. You might still qualify based on your income level.

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oh good I was worried about that too. one less thing to stress about

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I exhausted my benefits 2 months ago. The transition is tough but you adapt. Started doing freelance work and actually making more than I was on unemployment now.

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That's inspiring! What kind of freelance work did you get into?

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Graphic design and social media management. Took some online courses while I was on unemployment to build my skills.

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The job search requirements during extended benefits are no joke. They really ramp up the pressure to find work quickly.

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True, but that's kind of the point. Extended benefits are meant to be temporary assistance while you make that final push to find employment.

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I get it, but when there aren't enough jobs in your field, more applications doesn't necessarily mean better results.

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My cousin went through this last year and ended up having to move back in with family. Really hoping that doesn't happen to me.

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I'm lucky to have family support as backup, but I really don't want to have to use it. Hoping something comes through in the next few weeks.

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Fingers crossed for both of us! This whole situation is so stressful.

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For anyone still struggling to reach Washington ESD about benefit exhaustion questions, I can't recommend Claimyr enough. It's made such a difference in actually getting answers instead of just waiting on hold forever.

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I tried them after our earlier conversation and finally got through to an agent who answered all my questions about extended benefits. Definitely worth it.

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That's great to hear! It's such a relief when you can actually talk to someone who knows what they're talking about.

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The whole unemployment system needs an overhaul. Too many people falling through the cracks when their benefits run out.

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While there's always room for improvement, the system does provide significant support during job transitions. Extended benefits aren't guaranteed because they're meant to be triggered during periods of high unemployment.

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I understand the logic, but it doesn't help people who are stuck in areas with limited job opportunities.

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Just wanted to say thanks to everyone who shared their experiences. It helps to know I'm not alone in dealing with this situation.

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Definitely! This community has been so helpful. Good luck to everyone still looking for work.

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Same to you! We'll get through this eventually.

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One thing I learned is to start preparing for benefit exhaustion well before it happens. Don't wait until the last minute to explore your options.

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That's really good advice. I wish I had started looking into alternatives sooner.

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Yeah, having a plan makes the transition much less stressful, even if it's not ideal.

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