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Nia Wilson

What is unemployment pay amount in Washington ESD - confused about weekly benefit calculation

I just lost my job last week and everyone keeps talking about unemployment pay but I'm honestly confused about what that actually means. Like I know it's money from the state but how much do you actually get? Is it based on your old salary or is there a set amount? My friend said something about a weekly benefit amount but I don't understand how they calculate it. I've never filed for unemployment before and the Washington ESD website has so much information that I'm getting overwhelmed. Can someone explain this in simple terms?

Unemployment pay (or UI benefits) in Washington is calculated based on your earnings from the last 4 quarters before you filed. The state looks at your highest quarter earnings and divides by 26 to get your weekly benefit amount. Maximum weekly benefit right now is around $999 but most people get less than that.

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So if I made $40,000 last year does that mean I get like $769 a week? That seems really high.

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No, it's not based on your total year. They look at your highest earning quarter (3 months) and divide that by 26. So if your best quarter was $12,000, you'd get about $461 weekly.

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The calculation is more complicated than people think. Washington ESD uses something called your base period which is the first 4 of the last 5 completed quarters before you filed. They take your two highest quarters, add them together, divide by 2, then divide by 26.

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Wait that's different from what the other person said? Now I'm even more confused about how this works.

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Sorry, I should have been clearer. The weekly benefit is based on your highest quarter divided by 26, but you also need sufficient earnings in your base period to qualify at all.

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This is why the Washington ESD system is so confusing! They need to explain this stuff better on their website.

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Here's what you need to know: unemployment pay replaces about 50% of your average weekly wage up to the state maximum. Right now in Washington that max is $999/week. Most people get between $200-600 weekly depending on their previous earnings. You also have to file weekly claims to keep getting paid.

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Okay so it's like half my normal paycheck basically. That makes more sense. How long can you collect it for?

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Standard unemployment in Washington lasts up to 26 weeks, but it depends on your work history and the unemployment rate in the state.

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I was struggling to get through to Washington ESD to ask about my benefit calculation for weeks. Kept getting busy signals and getting hung up on. Finally used this service called Claimyr that helps you get through to ESD agents. Check out claimyr.com - they have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works. Made such a difference in getting my questions answered.

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Is that legit? I've been trying to call ESD for days and can never get through to ask about my claim.

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Yeah it's real. They basically handle the calling and waiting for you so you don't have to sit on hold for hours. Worth it when you need actual answers from ESD.

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I've heard of Claimyr too. My sister used them when she had issues with her adjudication taking forever. Saved her a lot of frustration.

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Just remember you don't automatically get unemployment pay. You have to apply through Washington ESD and they review your case. If you quit your job or got fired for misconduct you won't qualify. They also make you do job searches every week.

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I got laid off so I should be okay right? It wasn't for performance or anything, just budget cuts.

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Layoffs usually qualify as long as you meet the earnings requirements. Make sure you have all your employment info ready when you apply.

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The whole system is designed to confuse people honestly. I've been on unemployment twice and still don't fully understand how they calculate everything. The important thing is just to file your weekly claims on time and do your job searches.

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What happens if you miss filing a weekly claim?

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You lose that week's payment and it can mess up your whole claim. Don't miss the deadlines!

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You can sometimes get missed weeks back if you have a good reason but it's a hassle. Better to just file on time every week.

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unemployment pay saved my butt when I got laid off in 2023. wasn't a ton of money but kept me afloat while job hunting. the key is understanding its temporary help not permanent income

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How hard is it to find a new job while on unemployment? Do they make you take any job or can you be picky?

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they expect you to look for suitable work which usually means jobs similar to what you did before at similar pay levels. but if youre on UI too long they might expect you to take lower paying jobs

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One thing people don't realize is that unemployment benefits are taxable income. You can choose to have taxes withheld or pay them later, but don't forget about it come tax season.

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Oh wow I didn't know that. So the amount you get isn't what you actually keep?

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Right, if you don't have taxes withheld you'll owe money when you file your tax return. I always recommend having them take out the 10% federal tax.

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This caught me off guard my first time on unemployment. Ended up owing like $800 in taxes I wasn't expecting.

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The Washington ESD website has a benefit calculator somewhere that can give you an estimate of what you might get. Not perfect but gives you a ballpark figure based on your earnings.

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I'll look for that calculator. Hopefully it's easier to understand than the rest of their website.

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It's buried in there somewhere. The whole ESD site needs a redesign honestly, so hard to find anything.

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Also worth mentioning that some people qualify for additional weeks beyond the standard 26 if unemployment is high in the state. This is called Extended Benefits or EB but it's not always available.

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So you could potentially get more than 26 weeks? How do you know if you qualify for that?

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Extended Benefits get triggered automatically when unemployment rates hit certain levels. If it's available you'll get notified through your ESD account.

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I remember when I first applied I was so worried about getting denied or something going wrong. The whole process seemed really intimidating but once you get approved and start getting your weekly payments it becomes routine.

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That's reassuring. I'm nervous about messing something up on the application and getting denied.

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Just be honest and thorough with your information. If there are any issues they'll usually give you a chance to provide additional documentation.

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One more plug for Claimyr if you run into problems getting through to Washington ESD. When my claim got stuck in adjudication for weeks, I couldn't get anyone on the phone to explain what was happening. Claimyr got me connected to an actual ESD representative who walked me through the whole process.

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How much does something like that cost? Is it worth it or should you just keep trying to call yourself?

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For me it was worth every penny when I was stressed about my claim being delayed. Sometimes you just need to talk to a real person who can look at your specific case.

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Don't forget you also need to register with WorkSource and maintain an active job search log. They can audit you at any time and if you haven't been looking for work properly you could lose your benefits.

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What counts as proper job searching? Like how many applications do you need to do per week?

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I think it's 3 job search activities per week minimum, but check the current requirements. Can include applications, networking, job fairs, etc.

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They're pretty flexible about what counts as job search activities but you need to document everything properly in case they ask.

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unemployment insurance really is insurance - youve been paying into it through your paychecks your whole working life so dont feel bad about collecting it when you need it. its literally what the system is designed for

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Good point, I never thought about it that way. It's not like welfare or anything, it's insurance I've been paying for.

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exactly! you earned those benefits through your work history and tax contributions

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The hardest part for me was the waiting period. In Washington there's usually a one week waiting period before you start getting paid, so your first payment might be delayed even after you're approved.

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So even if I apply right away I won't get paid for like 2-3 weeks? That's going to be tight financially.

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Yeah unfortunately there's processing time plus the waiting week. Make sure you have some savings to cover that gap if possible.

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Just want to echo what others said about Claimyr. When I had questions about my benefit amount calculation, I used their service and finally got clear answers from an ESD agent. Sometimes the website info just isn't enough and you need to talk to someone who can look at your specific case.

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I'm definitely going to check that out if I run into problems. Thanks for mentioning it.

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No problem! The peace of mind was worth it for me when I was dealing with unemployment stress.

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Bottom line is unemployment pay in Washington can range from around $200 to $999 per week depending on your previous earnings. It's temporary assistance while you look for new work, not meant to fully replace your income but to help you survive the job search period.

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That's a really helpful summary. I feel like I understand the basics now at least.

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Good luck with your application! Don't hesitate to ask more questions as you go through the process.

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This whole thread has been super helpful for understanding unemployment benefits. Thanks everyone for sharing your experiences.

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