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Yuki Kobayashi

What is collecting unemployment in Washington ESD - complete beginner here

I just got laid off from my retail job last week and everyone keeps telling me I should "collect unemployment" but honestly I have no idea what that even means. Is it like welfare? Do I have to pay it back? How much money are we talking about? I've never dealt with Washington ESD before and feeling completely lost. Can someone explain this whole unemployment thing to me like I'm five years old?

Unemployment insurance (UI) is money you're entitled to when you lose your job through no fault of your own. It's not welfare - you and your employer paid into this system while you were working. You don't pay it back. In Washington, you typically get about 60-70% of your previous wages, up to a maximum of around $999 per week depending on your earnings history.

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Wait so this is money I already paid for? That makes me feel better about applying. Do I apply online somewhere?

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Exactly! You apply through Washington ESD's website. You'll need your Social Security number, employment history for the last 18 months, and bank info if you want direct deposit.

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just filed mine yesterday took like 20 mins online super easy

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How long before you get money?

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they said 2-3 weeks for first payment if no issues

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The process is straightforward but getting through to Washington ESD when you have questions can be incredibly frustrating. I spent hours trying to call them when my claim got stuck. If you run into issues reaching them by phone, I'd recommend checking out Claimyr (claimyr.com) - they help you get through to ESD agents quickly. There's a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Good to know there are options if I can't get through. Hopefully I won't need to call them though.

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Trust me, you'll probably need to call them at some point. Their system isn't perfect and questions always come up during the process.

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Here's what you need to know about the weekly requirements: After your claim is approved, you'll need to file a weekly claim every week to continue receiving benefits. This involves confirming you're still unemployed, reporting any work or income, and documenting your job search activities. Washington requires you to make at least 3 job search contacts per week.

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What counts as a job search contact? Just applying for jobs online?

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Job applications count, but so do things like attending job fairs, networking events, informational interviews, or even calling employers directly. You need to keep a log of all your activities.

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I always just applied to 3 random jobs on Indeed every week and never had any problems. Don't overthink it.

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THE SYSTEM IS BROKEN!!! I've been waiting 6 weeks for my claim to get approved and Washington ESD keeps giving me the runaround. They put me in "adjudication" whatever that means and now I'm behind on rent. This whole thing is a nightmare!

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Adjudication means they're reviewing your claim for some reason - could be a question about why you left your job, wage verification, or identity confirmation. It's frustrating but usually gets resolved.

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This is exactly the kind of situation where Claimyr helps. Instead of waiting on hold forever, you can get connected to an ESD representative who can actually explain what's holding up your adjudication.

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Don't let the paperwork intimidate you. The initial application asks for basic info - your SSN, address, employment history, reason for separation from your last job. Be honest about everything. If you were laid off, that's perfect - no issues there. If you were fired or quit, that's where things can get complicated.

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I was definitely laid off - they eliminated my position due to budget cuts. Should be straightforward then?

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Yes, layoffs are the easiest type of claim to process. Just make sure you select the right reason code when you apply.

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my coworker got like $2400 a month when she got laid off but i only got $1600. not fair if you ask me

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Unemployment benefits are based on your earnings during your base period - typically the first 4 of the last 5 quarters you worked. Higher wages = higher benefits, up to the state maximum.

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oh that makes sense i guess she made more than me

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One thing nobody mentioned - you usually have to serve a waiting week. That means your first week of unemployment you won't get paid for, even though you have to file the weekly claim. It's just how the system works in Washington.

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So I lose a whole week of money? That's rough when you're already stressed about being unemployed.

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Yeah it sucks but it's standard. At least you only serve it once per benefit year, so if you get another job and then get laid off again within a year, no waiting week.

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Make sure you apply ASAP - benefits are backdated to when you file, not when you lost your job. Every day you wait is money you're losing. Also set up direct deposit because waiting for checks in the mail takes forever.

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Good point, I'll apply tonight. Do I need anything special for direct deposit?

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Just your bank routing and account numbers. Same info you'd use for any direct deposit.

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Been collecting for 3 months now and it's been a lifesaver. The weekly claims become routine after a few weeks. My only advice is to be religious about filing every week - if you miss a week you could lose benefits permanently.

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What day of the week do you file? Does it matter?

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I file every Sunday morning with my coffee. You can file any day of the week for the previous week, but I like to stay consistent.

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Still waiting on my adjudication... this is ridiculous. How can they just leave people hanging like this with no income???

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Have you tried calling during off-peak hours? Sometimes you can get through easier early morning or later in the day.

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I've tried everything! Called at 7am, called at lunch, called at 4pm. Always busy signal or disconnected after 2 hours on hold.

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This is exactly why I used Claimyr when I had adjudication issues. Got through to someone in 15 minutes and they explained exactly what documentation I needed to submit to resolve it.

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For context on payment amounts: Washington's minimum weekly benefit is $295 and maximum is $999 (as of 2025). Most people fall somewhere in between based on their work history. You can get an estimate of your benefit amount using the calculator on the ESD website before you apply.

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That calculator sounds helpful. I was making about $22/hour so trying to figure out what I might qualify for.

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At $22/hour full-time you should qualify for a decent weekly amount. The calculator will give you a better estimate based on your actual quarterly earnings.

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also dont forget you have to look for work. they make you prove it now with that worksource thing

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What's WorkSource? Is that different from just applying for jobs?

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WorkSourceWA is Washington's job search portal. You're required to create a profile there and use it as part of your job search activities. It's integrated with the unemployment system.

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I remember being overwhelmed like you when I first applied. The whole thing seemed so complicated but honestly once you get through the initial application it's pretty routine. Just remember to keep good records of your job search and file your weekly claims on time.

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Thanks for the reassurance! I'm feeling more confident about tackling this now.

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Pro tip: screenshot everything when you're filing claims online. Sometimes the system glitches and you need proof that you submitted something on time. Better safe than sorry.

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Smart thinking. I'll definitely do that.

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Yes! And print out your monetary determination letter when you get it - that shows your weekly benefit amount and how many weeks you're eligible for.

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One more thing - if you get a job offer while collecting, you generally have to take it if it's "suitable work." They define suitable as paying at least 80% of your previous wage after a certain number of weeks. Just something to keep in mind during your job search.

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Good to know. Hopefully I'll find something good quickly anyway.

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UPDATE: Finally got through to someone at ESD using that Claimyr service someone mentioned earlier. Turns out they just needed me to verify my identity with additional documents. Wish I had known that 6 weeks ago instead of sitting in limbo!

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Glad you got it sorted out! It's amazing how often these delays are just about missing paperwork that could be resolved quickly if you could actually talk to someone.

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That's great news! Good to know there are solutions if I run into problems.

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To wrap up for the original poster: Unemployment insurance is temporary financial assistance while you look for work. You're entitled to it if you lost your job through no fault of your own. Apply online at esd.wa.gov, file weekly claims, keep job search records, and don't hesitate to get help if you run into issues. It's there to help you get back on your feet.

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Perfect summary! Thank you everyone for all the helpful information. I'm going to apply tonight and feel much more prepared now.

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