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Theodore Nelson

What percent of your income do you get on Washington ESD unemployment benefits?

I'm about to file for unemployment after being laid off from my job at Boeing. I made about $4,200 a month before taxes. Does anyone know what percentage of your income Washington ESD pays out? I've heard different numbers from friends and I'm trying to figure out my budget while I look for work. Also wondering if there's a maximum amount they'll pay regardless of what you made.

It's not exactly a percentage - Washington ESD uses a formula based on your highest earning quarter from your base period. Generally you'll get around 50-60% of your average weekly wage, but there's a maximum weekly benefit amount that changes each year. For 2025 I think the max is around $999 per week.

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So if I was making $4200 a month that's about $970 per week. Does that mean I'd get around $485-580 weekly?

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That sounds about right, but it depends on your earnings history over the past 5 quarters. The formula looks at your highest quarter earnings and divides by 26.

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i got laid off last year and was making about 55k. my weekly benefit was $548 so that worked out to about 55% of my gross pay. but like the other person said theres a cap so higher earners dont get the full percentage

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That's helpful to know, thanks! Did you have any trouble getting through to Washington ESD when you had questions about your claim?

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oh god yes, calling them was a nightmare. spent hours on hold just to get disconnected

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The Washington ESD benefit calculator on their website can give you an estimate, but here's the basic breakdown: Your weekly benefit amount is calculated as 3.85% of your average quarterly wages during your base period. The minimum is $295/week and maximum is $999/week for 2025. Most people end up getting between 40-50% of their gross income.

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I tried the calculator but it was confusing with all the quarters and base periods. Is there a simpler way to estimate?

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Quick estimate: take your highest quarterly earnings from the past year, divide by 26, then multiply by 3.85%. That's roughly your weekly benefit amount.

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Just a heads up - even if you qualify for the maximum amount, you still have to do the job search requirements and file your weekly claims on time. I made the mistake of filing late one week and it delayed my payment by like 10 days.

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Good to know! How many job applications do you have to do each week?

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It's 3 job search activities per week, but they can be applications, networking events, job fairs, etc. Just keep good records.

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If you're having trouble getting through to Washington ESD by phone (which you probably will), I found this service called Claimyr that helps you actually reach an agent. They have a website at claimyr.com and there's a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Saved me hours of calling and getting busy signals.

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Is that legit? I'm always skeptical of third-party services for government stuff.

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Yeah it's legitimate - they don't ask for your personal info or anything. Just helps you get through the phone queue faster when you need to talk to someone at Washington ESD.

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I used Claimyr too when my claim got stuck in adjudication. Definitely worth it when you actually need to reach someone.

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keep in mind the percentage varies a lot depending on your earnings history. if you had irregular income or gaps in employment your benefit might be lower than expected. also if you get any severance pay that could affect your eligibility

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I did get a small severance package. Do I need to report that when I file?

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yes definitely report it. depending on the amount it might delay when you can start collecting benefits

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The system is so confusing! I've been trying to figure out my base period for weeks. Why can't they just tell you what percentage you'll get like other states?

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The formula is designed to be more fair to people with varying incomes, but I agree it's confusing. Your base period is usually the first 4 of the last 5 completed quarters.

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That makes no sense to me. Why not just use the last 4 quarters?

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Boeing layoffs have been rough this year. Are you planning to look for work in the same field or branching out? The job search requirements are pretty flexible about what industries you apply to.

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Staying in aerospace for now but might consider other engineering roles if nothing comes up. The market seems pretty competitive right now.

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Yeah it's tough out there. At least unemployment will give you some breathing room while you search.

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Whatever you do, don't wait to file your claim. The sooner you file, the sooner your waiting week starts. I made the mistake of waiting a few weeks thinking I'd find something quickly.

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There's still a waiting week? I thought they got rid of that during COVID.

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They brought it back. First week you're eligible doesn't get paid, but every week after that does if you keep filing.

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The Washington ESD website has gotten better but it's still not great. Make sure you set up your SecureAccess Washington account ahead of time - that always seems to cause problems for people.

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Good tip! I'll do that before I file. Anything else I should prepare in advance?

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Have your employment history ready with dates and wages. Also your Social Security card and driver's license info.

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just filed my weekly claim this morning and it reminded me how much of a pain the whole system is. at least the percentage question is easier to answer once you actually get approved and see your first payment

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How long did it take to get your first payment after filing?

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about 3 weeks total but that included the waiting week. some people get it faster if there are no issues with their claim

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Don't forget you'll owe taxes on unemployment benefits. They don't automatically withhold federal taxes unless you request it, so you might want to set aside some money for tax season.

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Can you have them withhold taxes automatically?

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Yes, there's an option to withhold 10% for federal taxes when you file your weekly claims. I'd recommend it to avoid a surprise bill later.

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THE WHOLE SYSTEM IS A JOKE! They make it so complicated on purpose. I've been waiting 6 weeks for my adjudication to clear and still no word from them. Can't get anyone on the phone, can't get responses to messages. It's like they don't want to pay benefits!

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That's exactly why I mentioned Claimyr earlier. When you're stuck in adjudication like that, sometimes you really need to talk to an actual person to get it resolved.

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At this point I'm willing to try anything. This is ridiculous.

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For what it's worth, once you get through the initial filing process, the weekly claims are pretty straightforward. Just answer the same questions each week and you're done in like 5 minutes.

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That's reassuring. The whole process seems overwhelming right now.

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It's mostly just scary because it's new. Once you get in the routine it's not bad.

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my cousin works at Washington ESD and she says the percentage thing confuses everyone. most people expect it to be like 60-70% of their income but its usually closer to 45-50% for most people

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That's good inside info! Did she mention why they use such a complicated formula?

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something about trying to be fair to people with seasonal work or irregular income. but honestly i think they just like making things complicated lol

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One thing to remember is that your benefit amount is based on your earnings during your base period, not your most recent job. So if you had a lower-paying job before Boeing, that could affect your benefit calculation.

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I've been at Boeing for 3 years so hopefully that won't be an issue. But good to know!

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Yeah you should be fine then. The base period will capture your Boeing earnings.

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Does anyone know if the 26 times rule still applies? I heard if you don't find work within 26 weeks you have to reapply or something?

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Regular unemployment benefits last up to 26 weeks in Washington, but there's no automatic extension right now. You'd have to reapply and qualify again if you exhaust your benefits.

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Thanks for clarifying. Hopefully it won't come to that but good to know.

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Just wanted to add that if you're thinking about doing any freelance or part-time work while collecting, make sure you report it on your weekly claims. They'll reduce your benefit but you won't lose it entirely as long as you stay under a certain threshold.

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What's the threshold? I might pick up some consulting work.

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I think you can earn up to 1.5 times your weekly benefit amount before it affects your unemployment, but definitely double-check the current rules on the Washington ESD website.

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Good luck with everything! The uncertainty is the worst part, but at least unemployment benefits will help bridge the gap while you find your next opportunity. Boeing's loss is someone else's gain!

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Thanks for all the encouragement and advice everyone! This thread has been super helpful.

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That's what these forums are for. We're all in this together!

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