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Amara Adebayo

What is the max unemployment benefits in Washington - need to know weekly amount

I'm about to file my first unemployment claim and trying to figure out what the maximum weekly benefit amount is in Washington state. I was making decent money at my last job ($85K annually) and want to know if there's a cap on how much I can get per week. Does anyone know what the current maximum is for 2025? Also wondering if they base it just on your last job or look at multiple quarters of earnings.

The maximum weekly benefit amount in Washington for 2025 is $999 per week. This is based on your highest earning quarter in your base period, not your annual salary. They take your highest quarter earnings, divide by 26, then multiply by 0.04 to get your weekly benefit rate.

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Thanks! So even though I made $85K, I might not get the full $999 if my quarterly earnings weren't high enough?

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Exactly. You'd need to have earned at least $64,935 in your highest quarter to qualify for the maximum $999 weekly benefit.

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just filed my claim last week and got approved for $847/week, which is pretty good. the calculation is kinda confusing but Washington ESD has a benefit calculator on their website that helped me estimate before I applied

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Where did you find the calculator? I looked on the Washington ESD website but couldn't locate it.

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its under the 'before you apply' section, think its called weekly benefit estimator or something like that

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Been trying to get through to Washington ESD for weeks to ask about my benefit calculation. The phone system is absolutely terrible - keeps hanging up on me after being on hold for 2+ hours. Has anyone found a way to actually reach a human there?

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I had the same problem until I found Claimyr. It's a service that calls Washington ESD for you and gets you connected to an agent. Check out claimyr.com - they have a video demo at https://youtu.be/7DieNd3C7zQ that shows exactly how it works. Finally got my questions answered after weeks of frustration.

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Important to note that the $999 maximum also depends on having sufficient wage credits in your base period. You need at least 680 hours of work or earnings in at least two quarters. If you don't meet the minimum requirements, you won't qualify regardless of your earnings level.

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Good point. I worked full-time for the past 3 years so I should be fine on the hours requirement.

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Wait I'm confused - I thought it was just based on earnings, not hours? My last job was contract work so I didn't track hours.

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For contractors and some other situations, they look at earnings instead of hours. As long as you made at least $1,155 in your highest quarter, you should meet the minimum threshold.

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THE WHOLE SYSTEM IS RIDICULOUS!!! I made $95K last year and they're only giving me $743 a week because of how they calculate the quarters. Makes no sense that someone who made less annually could get more weekly benefits just because their earnings were distributed differently throughout the year!

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I feel your frustration but that's how the system is designed - it's based on quarterly earnings stability, not annual totals.

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at least you got approved quickly, my claim has been in adjudication for 5 weeks now

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Quick question - does the $999 max include the additional federal unemployment benefits or is that just the state portion? I remember during COVID there were extra payments but not sure what's current now.

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The $999 is just the regular state unemployment insurance. There are no additional federal supplements right now - those ended in 2021.

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Got it, thanks for clarifying. So $999 is the absolute maximum you can get per week in Washington right now.

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For anyone else trying to calculate their benefits, here's what worked for me: Look at your last 4 completed quarters of work, find your highest earning quarter, divide that by 26, then multiply by 0.04. That gives you your weekly benefit rate up to the $999 maximum.

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This is helpful! I've been trying to figure out my expected amount before applying.

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Just did this calculation and looks like I'll get around $650/week. Not bad considering I was worried it would be much less.

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This calculation method is really helpful! I just tried it with my numbers and it looks like I should qualify for around $780/week. Makes me feel more confident about filing my claim knowing what to expect.

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Been on unemployment for 8 weeks now getting $823/week. The process was smoother than I expected once I got past the initial application. Make sure you have all your employment history ready when you apply - saves a lot of time later.

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Good advice. What kind of employment history documentation did you need?

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Mostly just dates of employment, employer names and addresses, and reason for separation. They can verify wages through their system so you don't need pay stubs unless there's an issue.

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Does anyone know if the maximum changes annually? I remember it being lower a few years ago but not sure how often Washington adjusts the cap.

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Yes, Washington ESD adjusts the maximum weekly benefit amount annually based on the state's average weekly wage. It's usually announced in the fall for the following year.

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Makes sense. So the $999 for 2025 is probably higher than what it was in 2024?

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Correct. The 2024 maximum was $929, so there was a $70 increase for 2025.

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One thing to keep in mind is that you'll have taxes withheld if you choose to, or you'll owe taxes on your unemployment benefits when you file your return. The $999 max is before any tax withholding.

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Good point. I elected to have 10% withheld for federal taxes to avoid a big bill later.

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Wait, unemployment benefits are taxable? I had no idea!

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Yes, unemployment benefits are considered taxable income at the federal level and in Washington there's no state income tax, so just federal taxes apply.

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I'm seeing conflicting info online about whether part-time work affects the maximum benefit amount. Can anyone clarify if working part-time while on unemployment changes your weekly benefit calculation?

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Your maximum weekly benefit amount doesn't change, but working part-time can reduce your weekly payment. You can earn up to your weekly benefit amount plus $5 before they start reducing your benefits.

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So if I'm getting $800/week, I could earn up to $805 without any reduction?

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Exactly. Anything over $805 would be deducted dollar-for-dollar from your weekly benefit payment.

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Still struggling to get through to Washington ESD to confirm my benefit amount calculation. My claim shows approved but the weekly amount seems low compared to what I calculated. Anyone else had success reaching them recently?

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Try using Claimyr - I mentioned it earlier in this thread. It's been a game changer for actually getting through to speak with someone at Washington ESD. Much better than the endless hold times and disconnections.

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You can also try calling right when they open at 8am or during lunch hours around 12-1pm. Sometimes better luck then.

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For anyone wondering about the $999 max, I can confirm it's accurate. I qualified for the full amount based on my Q3 2024 earnings. The key is having a really high-earning quarter - in my case I had overtime and bonuses that pushed my quarterly earnings over $65K.

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Wow, $65K in one quarter is impressive! That explains how you hit the maximum.

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Yeah, it was an unusual quarter with a big project bonus. Most people won't hit the maximum unless they have similar spikes in earnings.

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Quick reminder that you also have to meet job search requirements to keep receiving benefits, even if you qualify for the maximum amount. Don't forget to log your job search activities each week.

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How many job contacts do you need per week in Washington?

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It's 3 job search activities per week, which can include applying for jobs, networking, attending job fairs, etc. You log them in your WorkSourceWA account.

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Been getting the maximum $999 for 6 weeks now. The money helps but honestly the job search requirement is more stressful than the financial part. Market is tough out there right now.

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Same here. Getting decent benefits but finding actual job openings in my field is challenging.

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At least the job search activities are pretty flexible. I've been counting informational interviews and LinkedIn networking as part of my 3 weekly activities.

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