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Ryder Everingham

What is filing for unemployment in Washington - complete beginner here

I've never been unemployed before and honestly have no idea what filing for unemployment even means. My company just laid me off yesterday and everyone keeps telling me to 'file for unemployment' but I don't understand what that actually involves. Is it like applying for welfare? Do I have to pay it back? How much money do you get? I'm completely lost and don't even know where to start with Washington ESD. Can someone explain this process like I'm five years old?

Filing for unemployment means applying for unemployment insurance benefits through Washington ESD (Employment Security Department). It's not welfare - it's insurance you and your employer paid into while you were working. You don't pay it back unless you're overpaid by mistake. The amount depends on your previous wages, but it's usually around 60-70% of what you made, up to a weekly maximum.

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Oh that makes more sense! So it's like insurance I already paid for. How do I actually apply for it?

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You apply online at esd.wa.gov. You'll need your Social Security number, driver's license, and information about your last employer including dates of employment and reason for separation.

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The basic process is: 1) File your initial claim online, 2) Wait for Washington ESD to process and approve it, 3) File weekly claims every week to get paid, 4) Complete job search activities as required. You must be able and available to work and actively looking for work to keep getting benefits.

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What do you mean by weekly claims? I thought you just applied once?

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You file one initial claim to start, then every week you have to file a 'weekly claim' reporting whether you worked, looked for jobs, etc. It's like checking in to confirm you still qualify for that week's payment.

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And don't forget the job search requirement - you need to make at least 3 job contacts per week and keep records in WorkSourceWA.

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I remember being so confused about this too when I first got laid off. The Washington ESD website has a lot of info but it's overwhelming. One thing that really helped me was using Claimyr (claimyr.com) to actually talk to someone at ESD when I had questions. They have this demo video (https://youtu.be/7DieNd3C7zQ) that shows how it works - basically helps you get through to an actual person instead of being stuck on hold forever.

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Is that a legitimate service? I'm worried about scams since I'm so new to this.

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Yeah it's legit, they just help you get through the phone system to reach ESD agents. Really useful when you need to talk to someone about your specific situation.

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WARNING: Make sure you file ASAP because there's usually a waiting week and benefits are calculated based on when you file, not when you lost your job. Don't wait around thinking about it!

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What's a waiting week?

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It's the first week after you file where you don't get paid, even if you're approved. It's just how the system works - kind of like a deductible.

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Actually I think they eliminated the waiting week during COVID and it hasn't come back yet, but double check that.

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The hardest part for me was understanding all the acronyms and terms. UI means unemployment insurance, ESD is Employment Security Department, adjudication means they're reviewing something about your claim. It's like learning a whole new language!

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What happens during adjudication? That sounds scary.

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It just means they need to review something - maybe verify your employment info or why you were laid off. It can take a few weeks but it's pretty routine.

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honestly the whole system is confusing even for people who've done it before, you're not alone in feeling lost about it

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That's actually reassuring to hear!

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One more important thing - keep all your paperwork and document everything. Save emails, print confirmation pages, keep records of your job searches. The system can have glitches and you want proof of what you did and when.

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Good point, I'll start a folder for all this stuff.

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Yes! And take screenshots of your weekly claims before submitting them. I learned that the hard way.

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The Washington ESD website has a whole section for first-time filers that walks through everything step by step. Start there and then come back here if you get stuck on specific parts.

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I'll check that out, thanks for the tip!

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Just to add - you can potentially get benefits for up to 26 weeks in most cases, sometimes longer if there are extensions. The weekly amount is based on your highest earning quarter in the past year, so gather your pay stubs or tax info.

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26 weeks seems like a long time, is that normal?

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Yeah that's standard in Washington. The idea is to give you time to find a job that matches your skills rather than just taking anything immediately.

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Make sure you're actually eligible before filing. You need to have worked enough in the past year and earned a minimum amount. If you were a contractor or gig worker, the rules are different.

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I was a regular W-2 employee for 2 years so I should be good there.

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The job search requirement is real and they do check it sometimes. Don't just make stuff up because they can audit your WorkSourceWA account and see what you actually did.

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What counts as a valid job search activity?

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Applying for jobs, attending job fairs, networking events, informational interviews. There's a list on the ESD website of what qualifies.

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One thing nobody told me - if you do any work at all while collecting benefits, even just a few hours, you have to report it on your weekly claim. They'll reduce your benefits for that week but you won't get in trouble if you're honest about it.

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What if I forget to report some small job? Is that a big deal?

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It can be if they find out later. They cross-reference with tax records so it's better to be upfront about everything, even small amounts.

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I've been through this process twice and the second time I used Claimyr again because calling ESD directly is almost impossible. Seriously, I spent entire days trying to get through on the phone. Claimyr saves so much frustration when you need to actually talk to someone about your claim.

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How much does something like that cost?

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I don't remember the exact amount but it was worth it to not waste days trying to get through. Way less stressful than the alternative.

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Also be prepared for the process to take longer than you expect. Even straightforward claims can take 2-3 weeks to get your first payment, and if there are any issues it can be much longer.

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Yikes, I was hoping to get money next week. Good thing I have some savings.

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Yeah definitely don't count on quick payments. The system is better than it used to be but still slow.

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Pro tip: set up direct deposit right away when you file your claim. Paper checks take even longer and can get lost in the mail.

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Good thinking, I'll make sure to do that.

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The most important thing is to file your weekly claims on time every week, even if your initial claim is still being processed. If you miss a week, you lose that week's benefits permanently.

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What day of the week do you file the weekly claims?

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You can file starting Sunday for the previous week. Most people do it Sunday or Monday. Just don't wait until the last minute.

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I know it seems overwhelming but you'll get the hang of it pretty quickly. The first few weeks are the hardest while you're learning all the terminology and procedures.

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Thanks everyone, this has been incredibly helpful! I feel much less panicked about the whole thing now.

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We've all been there! Don't hesitate to ask more questions as you go through the process.

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Last piece of advice - if your claim gets denied for any reason, don't panic. You can appeal the decision and often win if you have good documentation. Just make sure to file the appeal within the deadline they give you.

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Hopefully I won't need to worry about appeals, but good to know!

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Most claims are approved without issues, especially for layoffs. You should be fine.

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