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Zoe Papadopoulos

What is unemployment pay in Washington - how much can I expect?

I just got laid off from my retail job last week and I'm totally lost about this whole unemployment thing. What exactly is unemployment pay and how much money can I actually get? I've never filed for benefits before and I'm trying to figure out if it's even worth the hassle. My manager mentioned something about Washington ESD but I have no idea where to start or what to expect for payments.

Unemployment pay in Washington is based on your highest earning quarter from the past year. The maximum weekly benefit amount is $929 right now but most people get between $200-600 per week depending on their wages. With your hours and pay rate you'd probably qualify for around $250-350 weekly. You can get benefits for up to 26 weeks in most cases.

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That's actually more than I expected! Do I have to pay taxes on unemployment benefits?

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Yes unemployment is taxable income. You can have Washington ESD withhold 10% for federal taxes when you file your weekly claims, or you can pay quarterly estimated taxes yourself.

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Unemployment pay in Washington is called unemployment insurance or UI benefits. It's a percentage of your previous earnings, typically around 50-60% of your average weekly wage. Since you were making $18/hour for 35 hours, that's about $630 per week gross. Your weekly benefit amount would probably be somewhere around $315-380 depending on your exact earnings history over the past year.

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That's actually more than I expected! Do I need to file weekly claims or does Washington ESD just automatically send payments?

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You have to file weekly claims every week to continue receiving benefits. It's not automatic - you need to report your job search activities and any work you did that week.

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The weekly benefit amount is calculated using your highest quarter of earnings from the past year. Washington ESD looks at your base year wages and uses a formula to determine your weekly benefit amount. The maximum weekly benefit for 2025 is around $1,015 but most people get way less than that.

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wait so if I only worked part time I might not qualify for much? I was only working like 20 hours a week at my last job

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You still might qualify but your benefit amount would be lower since it's based on your actual earnings. You need to have earned at least $3,850 in your base year to qualify for any benefits.

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definitely worth applying! The process usually takes 2-3 weeks from when you first file your claim to when you get your first payment. You'll need to file weekly claims every week to keep getting paid even while your initial claim is being processed.

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What happens if I mess up the weekly claim? Can I fix it later?

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You can usually call Washington ESD to make corrections but it's easier to just be careful when filing. Double check your work hours and any income before submitting.

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I had trouble getting through to Washington ESD when I needed to check on my claim status last month. The phone lines are always busy and I kept getting disconnected. Finally found this service called Claimyr (claimyr.com) that helped me get connected to an actual agent. They have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works. Made the whole process so much easier.

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How does that work exactly? Do you still have to wait on hold?

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Nope, they basically handle the calling and waiting for you. You just schedule a time and they connect you when an agent is available. Super convenient.

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Unemployment insurance (UI) in Washington is a temporary income replacement program. Your weekly benefit amount depends on your earnings during your base period, which is typically the first four of the last five completed calendar quarters before you filed. The maximum weekly benefit amount in 2025 is around $999 per week, but most people get much less than that.

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Okay so it's based on what I earned before. I was making about $18/hour working part time, maybe 30 hours a week. Any idea what that might translate to?

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With part-time hours, your benefit amount will be lower. The formula is roughly 3.85% of your total base period wages divided by 52 weeks. You'll need to file a claim through the Washington ESD website to get your exact amount.

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I had such a hard time getting through to Washington ESD when I first applied. Spent hours on hold trying to ask questions about my benefit amount. Finally found this service called Claimyr that helped me get through to an actual person at Washington ESD. Check out claimyr.com - they have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Never heard of that service before. Does it actually work or is it just another scam?

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It's legit - they help you get through the phone system to reach Washington ESD agents. Saved me probably 10+ hours of sitting on hold.

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I might need to try that if I can't get through to ask about my specific situation. Thanks for the tip!

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unemployment pay is basically insurance you pay into while working. every paycheck you probably noticed a small deduction for unemployment insurance. now that you're unemployed you can collect benefits for up to 26 weeks in most cases

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Oh yeah I did see that on my paystubs but never really thought about it. So I was paying into this system the whole time I was working?

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exactly! both you and your employer contribute to the unemployment insurance fund. that's why you're entitled to benefits when you lose your job through no fault of your own

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The payments come on a debit card called a Key2Benefits card that Washington ESD sends you. You don't get cash or checks - it's all electronic. Make sure to keep track of your card because replacing it can be a hassle.

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Good to know! How long does it usually take to get the card after you apply?

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Usually takes about 7-10 business days to get the card in the mail. Your first payment might be delayed until you receive it.

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unemployment pay is basically the government helping you out when you lose your job through no fault of your own. in washington you can get benefits for up to 26 weeks usually, sometimes longer if there's extensions. you have to be actively looking for work though and report it every week

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26 weeks sounds pretty good. Do I have to prove I'm job searching or is it honor system?

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you have to keep a job search log and they can audit you anytime. need to apply to at least 3 jobs per week and keep records of everything

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DON'T EXPECT TO GET RICH OFF UNEMPLOYMENT PAY. It's meant to be temporary assistance while you look for work. The amount is deliberately less than what you were making so you have incentive to find a new job quickly. Also you have to do job searches every week and report them.

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How many job searches do I need to do each week? I've never been on unemployment before.

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In Washington you need to make at least 3 job search contacts per week. Keep detailed records because Washington ESD can audit your job search activities.

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Make sure you meet the work requirements first. You need to have worked at least 680 hours in your base year OR earned at least $1,320 in one quarter. With 32 hours/week for 2 years you should easily qualify. Also you have to be able and available for work and actively job searching.

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What counts as actively job searching? Do I need to apply to a certain number of jobs each week?

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You need to make at least 3 job search contacts per week and keep a log of your activities. This includes applying for jobs, networking, attending job fairs, etc. Washington ESD can audit your job search activities.

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That doesn't sound too hard. I was planning to look for work anyway.

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I'm getting unemployment pay right now and it's been a lifesaver. Lost my job in November and the benefits have helped me keep my apartment while I look for work. The process isn't too complicated once you get started but calling Washington ESD with questions is nearly impossible.

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Same here - been trying to call for weeks about an issue with my claim. The phone system is terrible.

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This is exactly why I mentioned Claimyr earlier. They bypass all that phone system nonsense and get you directly to an agent.

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The process can be really frustrating to navigate initially. I spent weeks trying to get through to someone at Washington ESD when I had questions about my claim. If you run into issues reaching them by phone, there's actually a service called Claimyr (claimyr.com) that helps people get through to ESD agents. They have a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Saved me hours of being on hold.

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That sounds helpful! I'm already dreading having to call government offices. How does that service work exactly?

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Never heard of that but honestly anything that helps with getting through to ESD sounds worth checking out. Those phone lines are impossible.

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your benefit amount depends on how much you made in your base year which is usually the first 4 of the last 5 completed quarters before you filed. so if you file in january 2025 they'd look at your earnings from october 2023 through september 2024

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That's confusing - why don't they just look at my most recent earnings?

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it's because of how the system processes wage reports from employers. there's always a delay in getting the most recent wage data

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the amount varies a lot based on your wages but $18/hour part time should get you a decent amount. I was making $22/hour full time and got $487 per week. just make sure you file your claim as soon as possible because there's usually a one week waiting period before benefits start.

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One week waiting period? So even if I get approved right away I won't get paid the first week?

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Exactly. The first week is called a 'waiting week' and you don't get paid for it. But you still have to file your weekly claim for that week.

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ugh the Washington ESD system is so confusing when you're new to it. took me forever to figure out how to navigate their website and file everything correctly. But once you get the hang of it it's not too bad.

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Is there anything specific I should watch out for when filing?

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Make sure you answer all the questions honestly, especially about why you're unemployed and if you worked any hours or earned any money that week. Being dishonest can get you disqualified.

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Make sure you understand the difference between your weekly benefit amount and what you actually receive. Taxes can be withheld from your unemployment pay if you choose, otherwise you'll owe at tax time. I learned this the hard way.

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

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Yes, unemployment benefits are considered taxable income by both federal and state. You can choose to have 10% federal tax withheld when you file your weekly claims.

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been on unemployment 3 times over the years and each time the benefit calculation was different based on my earnings history. if you had multiple jobs or your hours varied a lot it can affect your weekly benefit amount

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I did have a second part-time job for a few months last year. Does that help or hurt my benefit amount?

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it should help because it adds to your total base year earnings. washington esd combines wages from all your employers

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Just to be clear - unemployment compensation replaces a portion of your lost wages, not all of them. In Washington, it's designed to replace about 50% of your average weekly wage, subject to minimum and maximum limits. You'll also need to serve a waiting week before benefits begin, and there are eligibility requirements like being able and available for work.

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Wait, there's a waiting week? So I won't get anything for the first week even if I'm approved?

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Correct. The first week you're unemployed is an unpaid waiting week. After that, if you're eligible and continue to file weekly claims, you'll receive benefits for subsequent weeks.

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That waiting week thing is such BS honestly. When you just lost your job is exactly when you need the money most!

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The maximum duration for regular unemployment benefits in Washington is 26 weeks but it can be less if you didn't work enough or earn enough in your base year. There's a formula they use to calculate both your weekly amount and total potential benefits.

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26 weeks seems like a decent amount of time to find a new job. Is that pretty standard?

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Yes, 26 weeks is the standard maximum in most states. During recessions they sometimes extend benefits but right now it's just the regular 26 weeks.

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Also keep in mind that unemployment benefits are meant to partially replace your lost wages, not fully replace them. The idea is to help you get by while you look for new work, not to make you whole financially.

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That makes sense. I'm hoping to find something new pretty quickly anyway.

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Good attitude! Some people try to milk the system but it's really designed as temporary assistance.

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I'm dealing with Washington ESD right now too and it's been a nightmare trying to get someone on the phone. My claim has been pending for weeks with no explanation. Might have to try that Claimyr thing someone mentioned earlier.

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Yeah definitely give it a shot. I was in the same boat - claim stuck in adjudication for over a month. Claimyr got me connected to an agent who was able to explain what was holding things up and help move it along.

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How long did it take them to get you connected?

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About 2 hours from when I scheduled my call to when I was talking to an actual Washington ESD agent. Way better than spending days trying to get through myself.

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OH MY GOD I am so stressed about this whole thing!!! I got fired last month and still haven't figured out if I qualify because I was only working there for like 8 months. What if I don't have enough work history? What if they deny me? I keep reading about all these requirements and I'm panicking that I won't get anything!

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Take a deep breath! 8 months of work history might be enough depending on your hours and wages. Washington has alternative base periods if your recent work doesn't qualify under the standard calculation. Just file the claim and let them determine your eligibility.

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But what if they ask me questions I can't answer? What if I mess up the application? I'm so scared of doing something wrong and getting in trouble!

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Don't forget about the waiting week! When you first file for unemployment in Washington, there's usually a one-week waiting period before you can start receiving benefits. So your first payable week is actually your second week of unemployment.

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So I have to wait a whole week before I get any money? That seems harsh when you just lost your job.

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Yeah it's frustrating but that's how the system works. Make sure you still file that first week though - you just won't get paid for it.

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I tried using that claimyr service someone mentioned and it actually worked! Got through to Washington ESD in like 15 minutes instead of the usual 3+ hour wait. Worth checking out if you need to talk to someone about your benefits.

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Good to hear another success story about that service. I'm definitely going to try it if I run into issues.

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How much does it cost though? Nothing's free these days.

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They don't charge upfront - you only pay if they successfully connect you to an agent. Much better than wasting hours on hold for nothing.

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Don't forget you can also check your claim status online through the Washington ESD website. You don't always need to call unless there's a specific problem that needs an agent's help.

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Good point. I'll definitely monitor things online first before calling.

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the whole system is designed to be confusing on purpose i swear. they make it as hard as possible so people give up and don't claim benefits they're entitled to. classic government bureaucracy at work

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Honestly you're not wrong. The website crashes half the time and good luck getting anyone on the phone to help.

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While the system has its challenges, Washington ESD has made significant improvements to their online systems in recent years. The website is much more stable now than it was during the pandemic.

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unemployment pay varies so much from person to person. my neighbor gets like $400/week and i only get $275 even though we both lost our jobs around the same time. it all depends on your work history and earnings

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That makes sense - if they made more money they'd get higher benefits. At least the system is based on what you actually earned.

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One more thing - if you do any part-time or temporary work while collecting unemployment, you have to report it on your weekly claim. You can still get partial benefits as long as you don't earn more than your weekly benefit amount plus $5.

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So I could work a few hours a week and still get some unemployment? That's good to know.

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Yes but they'll reduce your weekly benefit based on how much you earn. It's calculated using a formula that Washington ESD has on their website.

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just file asap! I waited a week thinking about it and that was a week of benefits I lost. You can always withdraw your claim if you find work quickly but you can't get back time you didn't file.

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Thanks for the tip! I'll file today.

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Quick question - do you get unemployment pay if you quit your job or only if you get fired? I'm thinking about quitting mine because my boss is horrible but don't want to lose out on benefits.

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Generally you won't qualify if you quit voluntarily unless you have good cause connected to your work, like unsafe working conditions, harassment, or significant changes to your job terms. Being fired for misconduct can also disqualify you, but being laid off or fired for non-misconduct reasons usually qualifies you.

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Damn, so I'm probably stuck at this job if I want to keep unemployment as an option. Thanks for the info.

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Washington ESD also offers job training programs and other reemployment services that might be helpful while you're collecting benefits. Worth looking into if you want to learn new skills or change careers.

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That could be interesting. Do those programs cost anything?

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Many are free for unemployment claimants. You'd need to contact your local WorkSource office to see what's available in your area.

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The key thing to remember is that unemployment pay is temporary income replacement, not permanent support. You're required to actively search for work and accept suitable job offers. Washington ESD tracks your job search activities and can cut off benefits if you're not making a good faith effort to find work.

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What counts as a 'suitable job offer'? Do I have to take any job or can I hold out for something similar to what I had?

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Generally you can be selective at first but as time goes on, you're expected to consider jobs that might pay less or be in different fields. The longer you're on benefits, the broader your job search should become.

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thanks for all this info everyone! sounds like unemployment pay is more complicated than i thought but at least there's help available. gonna start my application with washington esd tomorrow

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Good luck with your application! Make sure you have all your employment information ready - dates, wages, employer addresses, etc.

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Thanks! This thread has been super helpful. I feel much more prepared now.

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I was in a similar situation last year - retail job, similar hours and pay. Ended up getting about $290 per week in benefits which helped a lot with rent and groceries while job hunting. The key is staying on top of your weekly claims and job search requirements.

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That gives me hope! How long did it take you to find new work?

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About 3 months but I was being picky about what kind of job I wanted. Could have found something sooner if I'd been more flexible.

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the hardest part for me was the waiting period after filing. you file your claim then wait for them to determine if you're eligible, then wait for the first payment. just be patient and keep filing those weekly claims!

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How will I know when I'm approved?

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