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Ethan Anderson

When are you not eligible for unemployment benefits in Washington state?

I'm trying to figure out if I should even bother filing for unemployment or if I'll just get denied. My last job ended kind of messy and I'm not sure if I qualify. What are the main reasons Washington ESD will deny your claim? I don't want to waste time filing if I'm automatically disqualified for something.

There are several reasons Washington ESD might deny your claim. The main ones are: quitting without good cause, getting fired for misconduct, not being able and available for work, refusing suitable work offers, not meeting the base period earnings requirements, or having an issue with your work authorization. What happened with your last job exactly?

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I got into an argument with my supervisor and walked out. Does that count as quitting without good cause?

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That could be tricky. Walking out is usually considered quitting, but if there were safety issues or harassment involved, it might be considered good cause. You'd need to explain the circumstances to Washington ESD.

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I was denied because I didn't earn enough in my base period. They look at your earnings from 5 quarters ago through 2 quarters ago. If you didn't make at least $3,800 total or didn't work in at least 2 quarters, you won't qualify. Also need to have earned at least 1.25 times your highest quarter earnings.

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Wait, 5 quarters ago? I thought it was just the last year of work?

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No, there's a lag period. So if you file in January 2025, they look at July 2023 through September 2024. It's confusing but that's how Washington ESD calculates it.

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If you're not a US citizen or don't have work authorization, that's an automatic disqualification. Also if you're not physically able to work or not available for full-time work, you won't qualify. Some people think they can collect while going to school full-time but that usually doesn't work either.

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What about part-time school? I was thinking of taking a few evening classes.

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Part-time might be okay as long as it doesn't interfere with your ability to accept full-time work. You'd have to report it to Washington ESD though.

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I got denied for 'misconduct' even though I was just late a few times. Apparently showing up late repeatedly can be considered misconduct if they warned you about it. Fighting the denial now but it's been a nightmare trying to get through to anyone at Washington ESD to explain my side.

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Don't forget about the work search requirements! Even if you qualify initially, you can lose benefits if you don't do enough job searching. Washington ESD requires 3 work search activities per week and you have to keep detailed records.

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What counts as a work search activity? Just applying for jobs?

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Job applications, networking events, career fairs, interviews, contacting employers directly, working with WorkSource. Has to be stuff that could reasonably lead to employment.

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If you refuse a suitable job offer, that's grounds for disqualification too. 'Suitable' depends on your skills, experience, and how long you've been unemployed. Early on they expect you to look for jobs similar to what you did before.

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How do they even know if you refuse a job offer? Do employers report that?

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Some employers do report it, especially if they think you're not taking the job search seriously. Plus Washington ESD does random audits of your work search records.

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I was disqualified because I was receiving workers' comp at the same time. You can't collect both unemployment and workers' comp simultaneously in Washington. Had to wait until my workers' comp case was resolved.

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Same thing happened with my disability benefits. Washington ESD said I couldn't be 'unable to work' for disability but 'able and available' for unemployment at the same time.

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Yeah, they're pretty strict about that. Makes sense when you think about it but it's frustrating when you need the money.

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Holiday seasonal workers sometimes get denied because they have reasonable assurance of returning to work. Like if you work at a ski resort every winter, Washington ESD might say you're not truly unemployed during the off-season.

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What about substitute teachers? I heard they have issues with this.

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Exactly! Substitute teachers often get denied during summer break because there's reasonable assurance they'll be called back in the fall.

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If you're self-employed or an independent contractor, you usually can't collect regular unemployment benefits. Washington ESD looks at whether you were a true employee or just doing contract work. The gig economy has made this more complicated.

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What about Uber drivers or DoorDash people?

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Those are typically considered independent contractors, so no regular UI benefits. They might qualify for other programs but not traditional unemployment.

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I got denied because I moved out of state and Washington ESD said I wasn't available for work in Washington anymore. Even though I was willing to commute back for interviews, they said it wasn't realistic for most jobs.

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That seems harsh. Did you try appealing?

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Yeah, but they upheld the decision. Said I needed to transfer my claim to my new state instead.

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Don't file a fraudulent claim obviously. Washington ESD cross-checks with other states and federal databases. If they catch you lying about your work history, earnings, or reason for separation, you'll be disqualified and might have to pay penalties.

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How thorough are they with checking? I'm worried I might accidentally report something wrong.

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Pretty thorough. They get reports from employers and can see your wage history. If you make an honest mistake, that's different from intentional fraud. Just be as accurate as possible.

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Military members usually can't collect unemployment right after discharge because they receive separation pay. There's a waiting period based on how much separation pay you got.

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How long is the waiting period usually?

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Depends on the amount. Washington ESD divides your separation pay by your weekly benefit amount to figure out how many weeks you have to wait.

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If you're in the country illegally, you won't qualify. Washington ESD requires proof of work authorization. Even if you've been working and paying taxes, without proper documentation you'll be denied.

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What documents do they accept as proof?

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US passport, driver's license with Social Security card, permanent resident card, work visa, stuff like that. They're pretty specific about what they'll accept.

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I was shocked to learn that if you're receiving a pension from your last employer, it might reduce your unemployment benefits. Washington ESD deducts the pension amount from your weekly benefit. In some cases, it can make you ineligible entirely.

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Does this apply to 401k withdrawals too?

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No, just actual pension payments. 401k distributions are treated differently for unemployment purposes.

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If you're incarcerated, you obviously can't collect unemployment benefits. Some people don't realize this also applies to being in a treatment facility if it's court-ordered or if you can't leave to look for work.

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What about voluntary treatment programs?

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If it's voluntary and doesn't interfere with your ability to work, it might be okay. But you'd need to check with Washington ESD first.

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