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Liam O'Sullivan

What's the max you can get on Washington ESD unemployment benefits?

I'm trying to figure out the maximum weekly benefit amount for unemployment in Washington state. I've been working for 8 years making decent money but I'm not sure how they calculate the max payout. Does anyone know what the highest weekly amount is right now? I want to make sure I'm getting what I'm entitled to when I file my claim.

The maximum weekly benefit amount in Washington is $999 per week as of 2025. It's based on your highest earning quarter during your base period. They take that quarter's wages and divide by 26 to get your weekly benefit amount, but it can't exceed the maximum.

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Thanks! So if I made $26,000 in my highest quarter, I'd get the full $999?

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Exactly right. You need to have earned at least $25,974 in your highest quarter to qualify for the maximum benefit.

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Just be aware that you also need to meet the total base period earnings requirement. You can't just have one good quarter - you need substantial earnings over the entire base period to qualify for benefits at all.

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What's the minimum total you need to earn in the base period?

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You need to earn at least $7,000 in your base period, with at least $4,000 outside your highest quarter. So you can't just work one quarter and collect max benefits.

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I tried calling Washington ESD to verify my benefit calculation but their phone lines are always busy. Spent 3 hours on hold yesterday and got disconnected twice. Super frustrating when you're trying to plan your finances.

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Have you tried using Claimyr? It's a service that helps you get through to Washington ESD agents. I found it at claimyr.com and they have a demo video at https://youtu.be/7DieNd3C7zQ showing how it works. Saved me hours of calling.

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Never heard of that but I'll check it out. Anything is better than sitting on hold for hours just to get hung up on.

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Don't forget that the $999 maximum gets reduced by any part-time work you do. If you work while collecting benefits, they'll reduce your weekly payment dollar for dollar after the first $5 you earn.

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Wait, I thought there was a different formula for part-time work deductions?

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No, it's pretty straightforward in Washington. You can earn up to $5 per week without any reduction. After that, your benefits are reduced by the amount you earn.

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The maximum benefit amount changes every year based on the state's average weekly wage. Last year it was $929, so it went up about $70 for 2025. They usually announce the new rates in July for the following year.

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Good to know it keeps going up. At least it's keeping pace with inflation somewhat.

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Yeah, it's tied to the state's wage data so it should adjust automatically. The minimum benefit is also $295 per week if you qualify for benefits at all.

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Just remember you can only collect for 26 weeks maximum in a regular year. So even at $999 per week, you're looking at about $26,000 total for the full benefit period. Some people think unemployment lasts forever but it doesn't.

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26 weeks seems like it goes by fast when you're job hunting.

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It really does. That's why it's important to start your job search immediately and keep good records of your search activities for Washington ESD.

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I qualified for the maximum benefit last year but had issues with my claim getting stuck in adjudication. Took forever to get it resolved and I almost missed rent payments. Make sure you file correctly the first time!

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What caused the adjudication issue?

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They questioned my reason for leaving my last job. Even though I had documentation, it took 6 weeks to get someone to review it properly.

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That's exactly why I started using Claimyr when I had adjudication problems. Being able to actually talk to someone at Washington ESD made all the difference.

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Does anyone know if overtime pay counts toward the benefit calculation? I worked tons of overtime last year and want to make sure that's included in my base period wages.

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Yes, all wages reported on your W-2 count toward your benefit calculation, including overtime, bonuses, and commissions.

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Perfect, that should put me at the maximum then. Thanks for clarifying!

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The system is so confusing though. I've been trying to understand how they calculate the base period and which quarters count. It's not intuitive at all.

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The base period is the first four of the last five completed calendar quarters before you file your claim. So if you file in January 2025, your base period would be January-December 2024.

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Ah okay, that makes more sense. I was thinking it was based on the last 12 months of work.

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I'm getting close to the maximum but not quite there. Will be getting around $850 per week which is still pretty good compared to other states I've heard about.

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That's still a decent amount. Better than minimum wage for sure.

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Yeah, Washington has pretty generous benefits compared to most states. Just hope I don't need them for long!

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One thing to watch out for is that your benefit year starts when you file, not when you become unemployed. So don't wait too long to file your initial claim or you might lose out on some benefits.

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Good point. I was thinking about waiting until I was sure I wouldn't find work right away.

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Don't wait - file as soon as you're eligible. You can always stop claiming if you find work immediately.

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The job search requirements are pretty strict too if you want to keep getting the maximum benefit. You need to do at least 3 job search activities per week and keep detailed records.

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What counts as a job search activity?

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Applying for jobs, networking events, informational interviews, job fairs, etc. They have a full list on the Washington ESD website.

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I had to appeal my initial benefit determination because they calculated it wrong. Took 3 months but I eventually got the maximum amount I was entitled to plus back pay.

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How do you know if they calculated it wrong?

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I compared my wage history with their calculation and found they missed some quarters. Always double-check their math!

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This is another situation where Claimyr really helped me. I needed to speak with someone about my wage calculation and couldn't get through on my own.

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Just a heads up that if you're collecting the maximum benefit, you'll probably owe taxes on it. Washington doesn't tax unemployment but the federal government does.

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Can you have taxes withheld automatically?

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Yes, you can elect to have 10% federal tax withheld when you file your weekly claims. It's probably worth it if you're getting the maximum.

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The maximum benefit is nice but remember it's temporary. Use the time to really focus on finding good employment, not just any job. The job search requirements help ensure you're actively looking.

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That's good advice. I want to find something stable, not just take the first offer.

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Exactly. The benefits give you time to be selective and find the right fit rather than just taking anything out of desperation.

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If you're in a union, check if they have additional unemployment benefits. Some unions provide supplemental payments on top of the state maximum.

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I'm not in a union but that's good to know for others reading this.

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Yeah, it's not common but some trade unions have these programs. Worth checking if you're a member.

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Don't forget that you need to file your weekly claims every week to keep getting benefits, even if you're getting the maximum. Miss a week and you don't get paid for that week.

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When do you file the weekly claims?

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You can file starting Sunday for the previous week. Most people file on Sunday or Monday. Just don't wait until the last minute.

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The whole process seems overwhelming but once you get started it's not too bad. Just make sure you understand what you're entitled to and don't accept less than you should get.

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Thanks everyone for all the helpful information. I feel much more prepared now.

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Good luck with your claim! The Washington system works pretty well once you get through the initial setup.

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