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Joy Olmedo

What is the most I can get from Washington ESD unemployment benefits?

I'm about to file for unemployment and trying to figure out my budget. What's the maximum weekly benefit amount Washington ESD pays? I was making around $65,000 annually at my last job in tech. Also wondering about the duration - how long can I collect? I've heard different numbers and want to make sure I understand what I'm eligible for before I file my claim.

The maximum weekly benefit amount in Washington is $999 per week as of 2025. But your actual amount depends on your earnings history from the base period. Washington ESD calculates it based on your highest quarter of earnings in your base period.

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Thanks! How do they determine the base period? Is it the last 4 quarters I worked?

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It's usually the first 4 of the last 5 completed quarters before you file. So if you file in January 2025, your base period would be October 2023 through September 2024.

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With your $65k salary you'll probably get close to the max but not quite. I was making similar and got around $850/week. The formula is roughly 3.85% of your total base period wages divided by 52, but there's a cap.

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That's still pretty good! How long did your benefits last?

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Standard is 26 weeks, but it can be less if you don't have enough work history. Mine lasted the full 26 weeks.

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Getting through to Washington ESD to ask questions about benefit calculations was impossible for me until I found claimyr.com. They help you actually reach an agent by phone instead of getting hung up on after waiting hours. There's a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Never heard of that service. Does it actually work?

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Yeah it worked for me. I was able to get my exact benefit amount calculated over the phone instead of guessing.

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Just keep in mind you need to meet the work and wage requirements first. You need at least 680 hours of covered employment during your base period OR wages equal to at least 340 times the state's average weekly wage.

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I worked full-time for 3 years so I should be good on hours. What about the wage requirement?

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For 2025 the wage requirement is about $20,400 minimum in your base period. With your salary you'll easily meet that.

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dont forget about taxes!! unemployment is taxable income so dont blow it all thinking its free money

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Good point, I'll need to set some aside for taxes.

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You can elect to have taxes withheld from your weekly payments. I'd recommend doing that at 10% federal withholding to avoid a big tax bill later.

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How do I set that up when I file?

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There's an option during the initial claim filing process, or you can change it later in your online account.

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The system is SO confusing though! I've been trying to understand my monetary determination for weeks. It shows all these quarters and wage amounts but doesn't clearly explain how they got to my weekly benefit amount.

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The monetary determination can be confusing. Your weekly benefit is basically your highest quarter wages divided by 25, but capped at the maximum.

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Why divide by 25? That seems random.

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It's roughly 1/25th of your highest quarter because that approximates what you were earning weekly during your best earning period.

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I got the max $999 but only because I was making over $80k. The calculation favors higher earners but there's definitely a ceiling.

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Did you have any issues with the job search requirements at that benefit level?

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Same requirements regardless of benefit amount - 3 job search activities per week and keep a log.

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Wait is $999 really the max? I thought I heard it was higher than that. When did they change it?

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It gets adjusted annually based on the state's average weekly wage. $999 is the current 2025 maximum.

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Thanks for clarifying. I was thinking of the old amount.

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Also remember if you have any severance pay it might affect when your benefits can start. Washington ESD will ask about any separation pay during the application.

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I did get 2 weeks severance. Will that delay my claim?

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It might. Severance is usually allocated week by week which can delay the start of your unemployment benefits.

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That's exactly the kind of question where calling Washington ESD directly helps. I used Claimyr again when I had severance questions and got a clear answer about how it would affect my claim timing.

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I might need to try that service. The online info about severance is pretty vague.

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The duration can also vary. While standard is 26 weeks, if you don't have enough base period wages it could be shorter. Your benefit year is 52 weeks but you might exhaust benefits before then.

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How do they calculate the duration?

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It's based on your total base period wages. Generally your maximum benefit amount is between 30-45% of your total base period wages.

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just file already and see what happens! all this calculation stuff will be on your monetary determination anyway

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True, I'm probably overthinking it. Just wanted to plan my finances.

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One more thing - if you're thinking about part-time work while collecting, Washington has a partial benefit system. You can earn up to 1.5 times your weekly benefit amount before it affects your payment.

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That's good to know. So if I got $850/week I could earn up to about $1,275 without losing benefits?

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Exactly, but you still need to report all earnings when you file your weekly claims.

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The hardest part isn't calculating benefits, it's actually getting through to verify information when you need help. I spent weeks trying to reach someone at Washington ESD.

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That's why I keep recommending Claimyr - it solved that exact problem for me. Worth checking out their demo video if you're having phone issues.

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I'll look into it. The regular phone system is definitely broken.

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Don't forget you need to be actively seeking work to maintain eligibility. The job search requirement is 3 activities per week and you need to keep detailed records.

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What counts as a job search activity?

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Applying for jobs, networking events, job fairs, creating/updating your resume, interviews. Washington ESD has a full list on their website.

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I think with your income level you'll get around $850-900 per week for 26 weeks. That's pretty standard for someone in your wage range. The system is actually pretty straightforward once you get through the initial filing.

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Thanks everyone! This has been really helpful. I'll file my claim this week.

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Good luck with your claim! Make sure to file your weekly claims on time every week and keep good records of your job search activities. The system works well if you follow the requirements.

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Will do. Appreciate all the detailed info from everyone here.

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Final tip - set up direct deposit during your initial claim. Paper checks take forever and sometimes get lost in the mail.

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Great point, I'll make sure to do that.

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The whole process seems overwhelming but once you get your first payment it becomes routine. Weekly claims only take a few minutes if you have your job search log ready.

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That's reassuring. Thanks again everyone!

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