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Emma Bianchi

What is unemployment pay in Washington - how much can I get from Washington ESD?

I just lost my job at a restaurant after 8 months and I'm hearing about unemployment benefits but honestly don't know what unemployment pay even is. Like what is it exactly and how much money do you actually get? My manager said something about filing with Washington ESD but I have no idea what that means or if I even qualify. Can someone explain this stuff in simple terms? I made about $2,800 a month before I got laid off.

Unemployment pay (officially called Unemployment Insurance or UI) is money the state pays you temporarily when you lose your job through no fault of your own. In Washington, it's administered by the Employment Security Department (ESD). You get a percentage of what you were earning, up to a maximum amount that changes each year.

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So it's not like welfare or anything? It's actual insurance?

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Exactly! You and your employer both paid into this system while you were working. It's insurance you've already earned.

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For 2025 in Washington, the weekly benefit amount ranges from $295 to $999 depending on your previous earnings. Since you made $2,800/month, you'd probably get around $460-500 per week. You can get benefits for up to 26 weeks typically.

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Wait that's like $2000 a month, that seems too good to be true?

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It's based on your highest earning quarter in the past year, so the calculation can vary. But yeah, it's designed to help you survive while job hunting.

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Don't get too excited, there's a waiting week and tons of requirements you have to meet every week to keep getting paid.

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I was in your exact situation last year! Had to call Washington ESD like 50 times just to talk to someone about my claim. The phone system is absolutely brutal - you'll get disconnected constantly. I ended up using this service called Claimyr (claimyr.com) that actually gets you through to ESD agents without the endless hold times. There's a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Is that legit? Sounds too good to be true honestly.

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I was skeptical too but it actually worked. Got through to an ESD rep in like 15 minutes instead of calling for hours and getting nowhere.

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Never heard of Claimyr but calling ESD is definitely a nightmare. Might have to check this out.

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You need to file online at esd.wa.gov as soon as possible. There's a one week waiting period before you start getting paid, and you have to file weekly claims every week to certify you're still unemployed and looking for work. Don't wait!

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

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Nope, every single week you have to log in and file a weekly claim stating you're still unemployed, actively searching for jobs, and available to work. Miss a week and you don't get paid for that week.

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ugh the whole system is so confusing!! I've been trying to figure out my benefits for weeks and still don't understand half the stuff on the ESD website. Why can't they just make it simple?

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It is overwhelming at first. The key is to just start with the basic application and take it step by step. Don't try to understand everything at once.

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Yeah I'm already feeling overwhelmed and I haven't even started yet lol

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Also make sure you have all your employment info ready when you apply - dates of employment, employer addresses, reason for separation, etc. Washington ESD will verify everything with your past employers so be accurate.

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What if I can't remember exact dates? I worked at like 3 different places in the past year.

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Get as close as you can. Check old pay stubs, tax documents, or bank deposits to help remember the timeline.

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One thing nobody tells you is that unemployment benefits are taxable income. You can choose to have taxes withheld or pay them when you file your tax return next year.

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Wait what?? So I have to pay taxes on unemployment money?

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Yep, it's considered income by the IRS. I learned this the hard way and owed like $800 in taxes.

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Always have them withhold the taxes! Don't get stuck with a big bill later.

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The job search requirements are no joke either. You have to apply for jobs and keep detailed records of every application. They can audit you at any time and if you can't prove you were actively looking, they'll make you pay everything back.

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How many jobs do I have to apply for each week?

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I think it's 3 per week minimum but check the current requirements on the ESD website. And they have to be legitimate applications, not just random stuff.

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Been on unemployment twice and honestly the hardest part is just getting through to ESD when you have questions or problems. Their phone system hangs up on you constantly during busy times.

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This! I spent literally 6 hours one day trying to get through. Someone mentioned that Claimyr service earlier - might be worth it just for the stress relief.

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Yeah that's exactly why I used Claimyr. My claim got stuck in adjudication and I needed to talk to someone ASAP. Worth every penny to avoid the phone hell.

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If you worked in restaurants you should definitely qualify. Most restaurant workers get laid off through no fault of their own, which is the main requirement for UI benefits.

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Yeah they said it was just slow business, nothing I did wrong. So that should be fine then?

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Sounds like a typical layoff to me. As long as you weren't fired for misconduct you should be good.

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Just want to add that you might be eligible for other programs too like SNAP (food stamps) or Medicaid while you're unemployed. Don't forget to look into those if money is tight.

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Good point, I hadn't thought about that stuff. Thanks!

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The key thing is to apply ASAP even if you're not sure about all the details. You can always call and ask questions later, but you can't backdate your claim if you wait too long.

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Ok I'm gonna try to file tonight then. Hopefully the website isn't too confusing.

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It's actually pretty straightforward once you get started. Good luck!

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Does anyone know if you can work part time while getting unemployment? I might be able to pick up a few shifts here and there.

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Yes but your benefits get reduced based on how much you earn. There's a formula they use - I think you can earn up to a certain amount before it affects your weekly benefit.

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Good to know, thanks. Better than nothing I guess.

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omg yes file asap! I waited like 2 weeks thinking I might find another job quickly and then it took forever to get approved. Don't make my mistake!

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Yeah definitely not waiting. Going to file as soon as I get home.

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The Washington ESD website has gotten better over the years but it can still be glitchy. If you run into technical problems, try using a different browser or clearing your cache.

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I'll keep that in mind, thanks for the tip.

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One more thing - keep all your documentation! Save copies of your application, weekly claims, any correspondence from ESD, job applications, everything. You never know when you might need to reference something.

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Good advice. I'm usually terrible at keeping paperwork organized but this sounds important.

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Trust me, it's worth it. I had to appeal a decision once and having all my records saved the day.

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Welcome to the unemployment club nobody wants to join! Seriously though, don't stress too much. The system works, it's just slow and bureaucratic. You'll get through it.

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Thanks everyone for all the help! This gives me a much better idea of what I'm getting into.

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You got this! And remember, there are resources to help if you get stuck.

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If your claim gets complicated or goes into adjudication, that Claimyr service someone mentioned earlier might be a lifesaver. I wish I had known about it when I was dealing with ESD runaround for months.

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I bookmarked their site just in case. Hopefully I won't need it but good to know it exists.

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Smart move. Having a backup plan for reaching ESD is always wise.

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