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Dylan Mitchell

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

I'm about to file for unemployment for the first time and trying to figure out my budget. Does anyone know what percentage of your previous salary Washington ESD pays out? I was making about $4,200 a month at my last job and need to know what to expect so I can plan my expenses. Is it based on gross or net pay?

It's not really a straight percentage like that. Washington ESD calculates your weekly benefit amount based on your highest earning quarter in your base period. The maximum weekly benefit amount for 2025 is $999 per week, but most people get way less than that.

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So it's not like 60% of my salary or something simple like that? How do they figure out the actual amount?

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Right, it's more complicated. They look at your earnings history and use a formula. You can get an estimate by logging into your Washington ESD account once you file.

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The formula is roughly 3.85% of your total wages in your highest quarter, but there's also a minimum and maximum. For someone making $4200/month consistently, you'd probably get somewhere around $400-600 per week depending on how long you worked at that wage.

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That's actually not as bad as I thought it would be. Is that before or after taxes?

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That's before taxes. You can choose to have taxes withheld or pay them later when you file your tax return.

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I chose to have them withheld because I didn't want a big tax bill later. They take out 10% federal.

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Been trying to call Washington ESD for weeks to get clarification on my benefit amount calculation and can't get through to anyone. The automated system just hangs up on me after being on hold forever. This is so frustrating when you're already stressed about money.

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I had the same problem until I found Claimyr. It's a service that helps you get through to Washington ESD agents. Check out claimyr.com - they have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works. Finally got my questions answered after months of trying on my own.

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Never heard of that but I'm desperate at this point. Does it actually work or is it just another scam?

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It's legit. They basically handle the calling and waiting for you, then connect you when an agent is available. Way better than spending hours on hold just to get disconnected.

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ugh the whole system is such a mess. took me 6 weeks to even get my first payment and still not sure if the amount is right

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That's scary to hear. Did you eventually figure out if your payment amount was correct?

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still working on it tbh. every time i call i get a different answer

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One thing to keep in mind is that your benefit amount also depends on your base period. If you just started this job recently, they might be looking at earnings from a previous lower-paying job. The base period is usually the first four of the last five completed calendar quarters before you file.

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I've been at this job for about 8 months, so hopefully they'll use those earnings. This is all more complicated than I expected.

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Eight months should be enough to get at least some of those higher earnings counted. You might want to gather your pay stubs before filing to make sure everything matches up.

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The percentage varies by person but I think most people end up getting somewhere between 40-50% of their previous income when you factor in everything. Don't forget you also have to do the job search requirements and file weekly claims.

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What are the job search requirements exactly? Do I have to apply for a certain number of jobs each week?

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Yeah you have to do at least 3 job search activities per week and log them on WorkSourceWA. Can be applications, networking events, career fairs, etc.

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I thought it was 2 job search activities per week, not 3?

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It's 3 for most people but there are some exceptions. Better to do more than less to be safe.

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When I was on unemployment last year I was making about $3800/month and got $485 per week. So that worked out to roughly 60% of my gross monthly income if you multiply the weekly amount by 4.33.

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That's really helpful to know a real example. How long did it take for your first payment to come through?

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About 3 weeks after I filed, but I didn't have any issues with my claim. Some people wait longer if there are problems.

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Make sure you file as soon as possible after you lose your job. There's usually a waiting week where you don't get paid, and you can't backdate claims in most cases.

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Good point, I'll file this week. Is there anything else I should know before starting the application?

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Have your Social Security card, ID, and employment history ready. The online application asks for details about your last few employers.

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I've been getting unemployment for 2 months now and still confused about some of the rules. The Washington ESD website isn't very clear about a lot of things.

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What specific things are you confused about? Maybe someone here can help explain.

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Mainly about what counts as suitable work and whether I have to take any job offer I get, even if it pays way less than my previous job.

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Generally you don't have to take work that pays significantly less than your previous job, especially early in your claim. But the standards get looser the longer you're on benefits.

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The amount can also change if you do any part-time work while on unemployment. They have a formula for that too where they reduce your benefits based on how much you earn.

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Is it worth doing part-time work or do they just take it all away from your benefits?

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You can usually keep some of it. I think they let you earn up to your weekly benefit amount before they start reducing it significantly, but don't quote me on that.

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WHATEVER YOU DO don't mess up your weekly claims filing. I accidentally answered one question wrong and it held up my payments for a month while they investigated. The system is super picky about everything.

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What kind of question did you answer wrong? I want to make sure I don't make the same mistake.

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I said I wasn't available for work on a day when I had a doctor's appointment, but apparently I should have said I was still available. It triggered a whole review process.

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For what it's worth, I was able to get through to someone at Washington ESD using that Claimyr service someone mentioned earlier. Cost me some money but saved me weeks of trying to call on my own. They explained exactly how my benefit amount was calculated.

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Was it worth the cost? I'm thinking about trying it if I run into problems.

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For me it was definitely worth it. I was losing sleep worrying about whether my claim was processing correctly. Peace of mind was worth it.

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Just remember that unemployment is taxable income so don't spend it all thinking you're getting free money. You'll owe taxes on it next year unless you have them withheld.

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Thanks for the reminder. I'll probably have them withhold taxes to avoid a surprise tax bill.

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Smart choice. I learned that lesson the hard way my first time on unemployment.

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The benefit calculator on the Washington ESD website is pretty accurate if you want to get an estimate before filing. You just need to know your quarterly earnings.

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I didn't know there was a calculator! I'll check that out before I file.

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Yeah it's buried in their website somewhere but it gives you a good idea of what to expect.

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been on unemployment twice and both times got different amounts even though my salary was similar. the system makes no sense sometimes

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That's weird. Did you ever figure out why the amounts were different?

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nope, gave up trying to understand it. as long as the money comes in i dont ask too many questions lol

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One last tip - set up direct deposit when you file. Getting the debit card they send can take forever and sometimes gets lost in the mail. Direct deposit is much more reliable.

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Great advice! I'll make sure to set that up. Thanks everyone for all the helpful information.

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Good luck with your claim! Hope it goes smoothly for you.

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Actually just realized I should mention - if you have any issues getting through to Washington ESD customer service, that Claimyr thing people mentioned really does work. I was skeptical at first but it got me connected to an agent in about 20 minutes instead of the usual hours of trying. Check out their demo video to see how it works.

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I'll keep that in mind if I run into problems. Hopefully the process goes smoothly but it's good to know there are options if I need help.

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Definitely bookmark it just in case. The Washington ESD phone system is notorious for being hard to get through to.

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