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CosmicCommander

What percentage of your check do you get for unemployment in Washington state?

I'm about to file for unemployment benefits through Washington ESD and trying to figure out my budget. Does anyone know what percentage of your regular paycheck you typically receive? I was making about $4,200 a month at my last job and need to know roughly what to expect for my weekly benefit amount. I've heard different numbers from people but want to get the real info before I submit my claim.

Washington ESD calculates your weekly benefit amount based on your highest earning quarter from the past year, not a straight percentage. The maximum weekly benefit amount for 2025 is $999 per week. They take your highest quarter earnings, divide by 26, then you get roughly 50% of that amount.

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So it's based on quarterly earnings, not my most recent salary? That's confusing but helpful to know.

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Yeah the quarterly thing threw me off too when I first filed. Make sure you have all your wage info ready when you apply.

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The percentage varies by person but generally ranges from 45-50% of your average weekly wage up to the maximum. With your income level you'll probably hit close to the max benefit amount. Just remember you'll need to file weekly claims and meet job search requirements.

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Good to know about the job search requirements. How many jobs do you have to apply for each week?

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It's 3 job search activities per week, but they can include applications, networking, job fairs, etc. Keep detailed records in your job search log.

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I just went through this whole process and it was such a nightmare trying to get through to Washington ESD to check my claim status. Spent hours on hold multiple times. Finally found this service called Claimyr (claimyr.com) that actually got me connected to an agent within minutes. They have a video demo at https://youtu.be/7DieNd3C7zQ showing how it works. Saved me so much frustration!

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How much does that cost? Seems like we shouldn't have to pay extra just to talk to someone about our own benefits.

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I was skeptical at first too but honestly it was worth it just to get answers quickly instead of wasting entire days trying to call.

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just filed last week and got approved for $847 per week. was making around $85k annually so that tracks with what everyone is saying about the percentage

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That's actually pretty close to what I'm hoping for. How long did it take to get approved?

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took about 10 days but i had all my paperwork ready and no issues with my separation

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BE CAREFUL about the income reporting when you file your weekly claims! I made a mistake in my first week and it screwed up my whole claim. Had to go through adjudication and everything. The system is so sensitive to any errors.

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What kind of mistake did you make? I want to avoid any issues.

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I reported some freelance income in the wrong section and it flagged my claim as potentially fraudulent. Took 3 weeks to sort out.

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This is why it's important to read the instructions carefully for each question on the weekly claim form. Any work or income needs to be reported exactly as specified.

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The percentage thing is misleading because it depends on your base period wages. I was making $3800/month but only qualified for $520/week because my highest quarter was lower due to a job change mid-year.

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So timing of when you file matters a lot then? That's something I hadn't considered.

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Yeah definitely. They look at the first 4 of the last 5 completed quarters before you file. If you can wait a bit it might help your benefit amount.

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Don't forget you'll owe taxes on unemployment benefits! Washington doesn't tax it but federal does. Plan to set aside about 10-15% for taxes or have them withhold it from your weekly benefits.

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Can you have taxes automatically withheld? I'd rather not deal with a big tax bill later.

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Yes, there's an option when you file to have 10% federal taxes withheld from each payment. I recommend doing it.

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The whole system is a joke. I've been waiting 6 weeks for my adjudication to complete and can't get anyone on the phone to explain what's happening. Meanwhile bills are piling up and I'm getting desperate.

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That's exactly why I ended up using Claimyr. The regular phone system is completely overwhelmed and you can waste days trying to get through.

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Maybe I should try that. At this point I'll try anything to get some answers about my claim.

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Pro tip: if you're eligible for the maximum weekly benefit, it works out to about $51,948 per year if you collected for a full year. Obviously most people don't collect that long but it gives you perspective on the income replacement.

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That's actually not bad compared to what I was making. Hopefully I won't need it for too long though.

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Just remember you can only collect for 26 weeks in most cases, unless there are extended benefits available.

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Make sure you understand the difference between gross and net income when calculating your expected benefit. The percentage is based on gross wages but what you actually receive will be less after any tax withholding.

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Good point. So if I was making $4200 gross, what would be a realistic net expectation for unemployment?

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With your income level, probably around $800-900 per week gross, then minus taxes if you choose withholding. So maybe $720-810 net.

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I'm confused about the base period thing. When exactly do they look at your wages? Is it the 12 months before you file or something different?

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It's the first 4 of the last 5 completed calendar quarters before you file. So if you file in January 2025, they'd look at January-December 2024 quarters.

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That makes more sense. So recent pay raises might not count if they're too recent?

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Exactly. That's why timing your claim filing can sometimes matter for benefit calculation.

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Just want to add that if you're on standby status (temporary layoff), the rules are a bit different. You don't have to do job searches but you do have to be available to return to work immediately.

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My layoff is permanent so I don't think standby applies to me. But good to know for others.

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Yeah standby is specifically for temporary layoffs where you expect to be called back within a certain timeframe.

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Does anyone know if overtime pay counts toward your base period wages? I worked a lot of OT last year and wondering if that helps my benefit calculation.

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Yes, all wages reported on your W-2 count, including overtime, bonuses, and commissions. It's all part of your total earnings for benefit calculation.

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Great! That should help bump up my weekly benefit amount then.

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The hardest part isn't figuring out the percentage - it's actually getting through the initial application process without errors. One small mistake and you're stuck in adjudication hell for weeks.

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Any tips for avoiding mistakes on the application? I want to get this right the first time.

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Take your time, have all your employment dates and wage info ready, and read every question twice before answering. Don't rush it.

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I had to appeal a disqualification and it took 3 months to get resolved. During that time I couldn't collect anything. Make sure you understand the separation reason requirements before filing.

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I was laid off due to company downsizing so I think I should be okay on the separation reason.

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That sounds like a qualifying separation. Just make sure you have documentation from your employer about the layoff.

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Remember that if you find part-time work while collecting, you can still get partial benefits. They don't cut you off completely until you're working full-time again.

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How does that calculation work? Like if I work 20 hours a week at a part-time job?

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They subtract a portion of your part-time earnings from your weekly benefit amount. There's a formula but generally you can earn up to about 1/3 of your weekly benefit without reduction.

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Pro tip: start your job search activities immediately even before you're required to. It shows good faith and you'll be ahead of the game when the requirements kick in.

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When do the job search requirements start? Is it right away or after a waiting period?

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Usually starts with your second week of benefits. But starting early just puts you in a better position overall.

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If you need to speak with someone at Washington ESD about benefit calculations or anything else, I found another option besides the regular phone system. Used Claimyr twice now and both times got connected to an actual agent within 10 minutes. Way better than spending hours on hold.

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That's the second time someone mentioned that service. Might be worth checking out if I run into issues.

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I was skeptical about paying for something like that but honestly the time savings alone made it worthwhile. Plus you get to talk to someone who can actually help instead of just waiting on hold forever.

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Bottom line: expect roughly 50% of your average weekly wage up to the maximum benefit amount. With your income level you'll probably get close to the max. Just make sure you understand all the requirements to keep receiving benefits.

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Thanks everyone for all the detailed info. This gives me a much better idea of what to expect when I file my claim.

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Good luck with your claim! The process can be frustrating but the benefits really help when you need them.

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