What if my employer doesn't pay unemployment insurance in Washington ESD?
I just found out that my former employer might not have been paying unemployment insurance premiums to Washington ESD. I worked there for 8 months before getting laid off last week. When I tried to file my unemployment claim, I'm worried it might get denied because of this. Does anyone know what happens if your employer wasn't paying into the system? Can I still get benefits or am I completely screwed? I really need these benefits to pay rent.
70 comments


Lucas Parker
This is actually more common than you think. Washington ESD can still approve your claim even if your employer wasn't paying premiums. The employer becomes liable for the benefits plus penalties and interest. You shouldn't be penalized for your employer's failure to pay.
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Katherine Hunter
•That's a relief! Do I need to do anything special when filing my claim or just file normally?
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Lucas Parker
•File normally through the regular Washington ESD website. They'll investigate during the adjudication process if there are any issues with your employer's account.
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Donna Cline
had the same thing happen to me a few years ago. took forever to get through to someone at washington esd to explain what was going on with my claim
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Katherine Hunter
•How long did it take to resolve? I'm already stressed about money.
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Donna Cline
•like 6 weeks total but once they figured out the employer issue it was fine. just had to wait for them to do their investigation
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Harper Collins
You should definitely report this to Washington ESD if you haven't already. Employers are required by law to pay unemployment insurance premiums. If they didn't, that's a serious violation and Washington ESD needs to know about it for enforcement purposes.
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Katherine Hunter
•How do I report it? Is there a specific form or do I just call them?
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Harper Collins
•You can report it through their employer compliance division. There's a section on the Washington ESD website for reporting employer violations.
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Kelsey Hawkins
•Make sure you have documentation of your employment - pay stubs, W-2s, anything that shows you worked there and when.
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Dylan Fisher
I had to deal with this nightmare last year. Couldn't get through to Washington ESD for weeks to explain my situation. Finally used Claimyr (claimyr.com) to get connected to an actual agent who could help. They have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works. Game changer for getting past the busy signals.
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Katherine Hunter
•Never heard of that service. Does it actually work? I've been calling for days and can't get through.
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Dylan Fisher
•Yeah it worked for me. They basically handle the calling and waiting so you don't have to sit on hold for hours. Worth it when you need to talk to someone about complex issues like employer compliance problems.
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Edwards Hugo
•Interesting, might have to try that. I've been calling Washington ESD for two weeks about my own employer issue.
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Gianna Scott
This is EXACTLY why the unemployment system is broken! Employers can just skip paying premiums and workers get screwed! Washington ESD should have better oversight of these deadbeat employers!
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Lucas Parker
•The worker doesn't get screwed though - they still get benefits. The employer gets hit with penalties and has to pay back everything plus interest.
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Gianna Scott
•But the worker has to wait weeks for the investigation while they can't pay bills! It's still unfair!
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Alfredo Lugo
•I mean, the system isn't perfect but at least there are protections in place for workers.
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Kelsey Hawkins
Your employer is required to display unemployment insurance information in the workplace. Did you ever see any posters about unemployment benefits? That might help Washington ESD determine if your employer was compliant or not.
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Katherine Hunter
•Now that you mention it, I don't think I ever saw any unemployment posters at work. That's probably not a good sign.
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Kelsey Hawkins
•Yeah, that's another violation. Employers are required to post that information where employees can see it.
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Donna Cline
what kind of business was it? some industries are worse about this than others
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Katherine Hunter
•It was a small restaurant. Family owned place with maybe 10 employees total.
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Donna Cline
•oh yeah restaurants are notorious for this stuff. probably not paying workers comp either
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Sydney Torres
•Small businesses sometimes don't realize they have to pay unemployment insurance if they don't have many employees. But ignorance isn't an excuse.
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Lucas Parker
Just to clarify the process - when you file your claim, Washington ESD will verify your employment history and wages. If they find your employer wasn't paying premiums, they'll start an investigation. Your benefits won't be denied because of this, but there might be a delay while they sort it out.
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Katherine Hunter
•How long is the typical delay for this kind of investigation?
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Lucas Parker
•Usually 2-4 weeks for the investigation, but your benefits will be backdated to when you first filed if approved.
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Kaitlyn Jenkins
•That's good to know. I was worried about losing weeks of benefits.
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Edwards Hugo
I'm dealing with something similar right now. My employer was paying premiums but not reporting my wages correctly. Washington ESD is investigating that too. These employer issues are more common than people think.
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Katherine Hunter
•How did you find out about the wage reporting issue?
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Edwards Hugo
•My benefit amount was way lower than it should have been based on my actual wages. Had to provide pay stubs to prove what I was really earning.
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Dylan Fisher
•That's another situation where having Claimyr help you get through to an agent is really valuable. These complex cases need human explanation.
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Caleb Bell
Same thing happened to my friend last year. Took forever to resolve but she did get all her benefits eventually. The employer got in huge trouble with Washington ESD and had to pay thousands in penalties.
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Katherine Hunter
•That makes me feel better about reporting it. At least there are real consequences for employers who don't follow the rules.
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Caleb Bell
•Oh yeah, Washington ESD doesn't mess around with employer compliance issues. They take it seriously.
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Harper Collins
One more thing - make sure you keep filing your weekly claims even while the investigation is ongoing. Don't stop just because there's an employer issue. You want to maintain your claim continuity.
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Katherine Hunter
•Good point. I'll make sure to keep doing my weekly claims no matter what happens with the investigation.
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Danielle Campbell
•Yes, this is important! I made the mistake of stopping my weekly claims during an investigation and it created more problems.
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Harper Collins
•Exactly. The weekly claims keep your case active even if payments are delayed.
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Rhett Bowman
This is why I always check my employer's unemployment insurance status before starting a job. You can look it up on the Washington ESD website to see if they're current on their premiums.
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Katherine Hunter
•I had no idea you could check that! That's really useful information for the future.
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Rhett Bowman
•Yeah, it's under the employer services section. Good way to avoid working for non-compliant employers.
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Abigail Patel
•Wish I had known that before I started my last job. Would have saved me a lot of headache.
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Kelsey Hawkins
Document everything about your employment at this place - dates worked, hours, pay rate, any conversations about benefits. Washington ESD will need this information for their investigation and it helps your case.
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Katherine Hunter
•I have all my pay stubs and my W-2 from last year. Should that be enough documentation?
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Kelsey Hawkins
•That's a good start. Also write down your job duties, supervisor names, and any other details about your employment while it's fresh in your memory.
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Daniel White
Don't let this stress you out too much. Washington ESD has procedures in place for exactly this situation. You're not the first person to deal with a non-compliant employer and you won't be the last.
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Katherine Hunter
•Thanks for the reassurance. It's just scary when you're unemployed and worried about money.
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Daniel White
•Totally understandable. The important thing is that you'll get your benefits eventually, even if there's a delay.
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Nolan Carter
Question - what happens to the other employees at that restaurant? Are their unemployment claims affected too if the employer wasn't paying premiums?
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Lucas Parker
•Any employee who files for unemployment from that employer would be affected the same way. Washington ESD would investigate each claim individually.
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Katherine Hunter
•I should probably let my former coworkers know about this in case any of them need to file claims.
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Nolan Carter
•That's a good idea. They might not know about the premium issue until they try to file.
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Natalia Stone
Just curious - how did you find out your employer wasn't paying premiums? Did Washington ESD tell you when you filed your claim?
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Katherine Hunter
•I'm not 100% sure they weren't paying, but I suspect it based on other shady things they did. I figure Washington ESD will tell me during the adjudication process if there's an issue.
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Natalia Stone
•Ah okay, so you're being proactive. That's smart. Better to know what you might be dealing with ahead of time.
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Dylan Fisher
Update on the Claimyr service I mentioned earlier - I used it again last week for a different issue and got through to Washington ESD in like 20 minutes. Definitely recommend it if you need to talk to someone about your employer situation quickly.
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Katherine Hunter
•I might try that if I can't get through on my own. The regular phone lines are impossible.
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Tasia Synder
•How much does it cost though? I'm already tight on money.
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Dylan Fisher
•It's worth it when you need to resolve something important like employer compliance issues. Check their website for current pricing.
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Selena Bautista
My brother had this exact same problem two years ago. Took about a month to fully resolve but he got all his back benefits. The key is being patient and keeping good records of everything.
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Katherine Hunter
•A month seems like forever when you need the money now, but at least there's light at the end of the tunnel.
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Selena Bautista
•I know it's hard to wait, but Washington ESD does make it right eventually. Just keep filing those weekly claims and document everything.
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Mohamed Anderson
Thanks everyone for all the helpful advice! I feel much more confident about filing my claim now. I'll make sure to report the employer issue and keep good documentation. Really appreciate this community.
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Lucas Parker
•Good luck with your claim! Feel free to come back if you have more questions during the process.
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Harper Collins
•You've got this! The system is designed to protect workers in exactly your situation.
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Ellie Perry
•Keep us updated on how it goes. Your experience might help other people in similar situations.
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Lauren Johnson
This is really helpful information for anyone dealing with employer compliance issues. I'm a former HR manager and can confirm that Washington ESD takes non-payment of unemployment insurance premiums very seriously. The investigation process Katherine is going through is standard procedure, and the system is designed to protect workers. One tip I'd add is to also check if your employer was properly classifying you as an employee vs. contractor - misclassification is another common issue that can affect unemployment claims. The good news is that Washington ESD has dedicated staff who handle these complex cases and they're experienced at sorting out employer violations.
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Anastasia Sokolov
•Thanks for the insider perspective! That's really reassuring to hear from someone who worked in HR. I hadn't even thought about the employee vs contractor classification issue - my restaurant job definitely treated me as an employee with regular paystubs and everything, but it's good to know that's another thing Washington ESD looks at. It sounds like they really do have experience dealing with these messy employer situations.
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