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Oliver Schmidt

Who is affected by unemployment benefits in Washington - need to understand eligibility

I'm trying to figure out who exactly qualifies for unemployment benefits through Washington ESD. My sister lost her job last month and I'm wondering if she's eligible, but I'm also curious about the broader picture. Like, what types of workers can actually get UI benefits? I know some people who got laid off but weren't eligible for some reason. Can someone explain who is affected by unemployment benefits and who isn't? I want to make sure we're not missing anything before she applies.

Generally, you need to have worked for an employer who paid into the UI system and lost your job through no fault of your own. This includes people who were laid off, had their hours reduced significantly, or were fired for reasons other than misconduct. You also need to have earned enough wages during your base period to qualify.

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What's the base period? And does it matter what industry she worked in?

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Base period is typically the first 4 of the last 5 completed calendar quarters before you file. Industry doesn't matter as long as the employer paid UI taxes.

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Lots of people are affected by unemployment benefits! Regular employees, part-time workers who meet the wage requirements, people who got laid off due to company downsizing, those who lost jobs due to seasonal work ending. But there are exclusions too - like independent contractors, self-employed people, and folks who quit without good cause.

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Wait, I thought contractors could get benefits now? Didn't that change during COVID?

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The pandemic programs like PUA ended. Regular UI is back to covering traditional employees only.

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If your sister is having trouble reaching Washington ESD to check her eligibility, I'd recommend trying Claimyr at claimyr.com. They help people get through to ESD agents when the phone lines are busy. There's a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works. Really helped me when I needed to verify my claim status.

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Thanks! The phone lines have been impossible to get through on. I'll check that out.

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Never heard of that service but might be worth trying. ESD phone system is brutal.

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From what I understand, unemployment affects different groups differently. Essential workers who kept their jobs weren't eligible obviously, but many service industry workers, retail employees, and office workers who got laid off were. Also affects people whose hours got cut below certain thresholds - they might qualify for partial benefits.

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This is true. My hours got cut from 40 to 15 per week and I qualified for partial UI benefits.

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Oh interesting, I didn't know about partial benefits. That might apply to another friend of mine.

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The people NOT affected by unemployment benefits include: federal employees (they have their own system), railroad workers, some agricultural workers, independent contractors, people who quit voluntarily without good cause, people fired for misconduct, and students in certain situations.

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Don't forget military personnel - they have different rules too.

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Right, and some religious organization employees are also exempt.

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honestly the whole system is confusing. I know people who thought they'd qualify but didn't, and others who were surprised they did qualify. Best bet is just to apply and see what happens.

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While that's true, it's better to understand the basics first. Filing when you're clearly not eligible can cause delays.

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fair point but the eligibility rules are pretty complex

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Workers who are most commonly affected: restaurant and hospitality workers, retail employees, manufacturing workers, construction workers during slow seasons, office workers during layoffs, and healthcare support staff. Basically anyone who works for an employer that pays into the UI system.

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My sister worked in retail management, so sounds like she should qualify if she meets the wage requirements.

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Yeah retail management would definitely be covered. Just make sure she has her employment history ready when she applies.

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Don't forget about people who become unemployed due to workplace issues like harassment or unsafe conditions - they might qualify under 'good cause' for leaving. It's not just layoffs and firings.

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This is important. Good cause reasons include domestic violence situations, health issues, and major changes to job duties too.

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Good to know these nuances exist. The system seems more flexible than I thought.

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Age affects eligibility too - you have to be legally able to work. Also citizenship/work authorization status matters. And you need to be physically able to work and available for work, which can affect people with certain medical conditions.

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The 'able and available' requirement trips up a lot of people. You can't just collect benefits while on vacation or if you're not actually looking for work.

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Exactly. You have to be actively job searching and document it for Washington ESD.

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One thing that surprised me - people who work multiple part-time jobs might qualify even if they only lose one of them, depending on their total wages. The system looks at your overall earnings history.

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That's really helpful to know. I have another friend who works two part-time jobs.

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Yeah but they still need to meet the minimum wage requirements during their base period.

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I used Claimyr when I needed to talk to someone at Washington ESD about my eligibility questions. Saved me hours of trying to get through on the phone. Really straightforward to use.

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How long did it take to get connected through their service?

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Took about 20 minutes to get through to an actual ESD agent. Way better than the 3 hours I spent trying to call directly.

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Temp workers and seasonal workers are often affected by unemployment too. If you worked through a temp agency or in seasonal industries like tourism, you might qualify during off-seasons or between assignments.

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This is true but seasonal workers sometimes get put on 'standby' status instead of regular UI. Different rules apply.

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Good point about standby status. That's for people who have reasonable expectation of returning to the same employer.

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Recent graduates might be affected too if they worked part-time or full-time jobs during school and then lost those jobs. As long as they earned enough wages and are available for work, they could qualify.

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I hadn't thought about recent grads. That's a whole other group that might need these benefits.

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Students can be tricky though. If they're enrolled full-time, they might not meet the 'available for work' requirement.

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People who get injured on the job might be affected differently - they might qualify for workers comp instead of or in addition to UI benefits, depending on their situation. It can get complicated.

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Workers comp and UI are different systems. If you can't work due to injury, you typically wouldn't qualify for UI since you need to be able and available for work.

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True, but sometimes people recover from injuries and then need UI benefits while job searching.

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HONESTLY the whole system affects way more people than you'd think. During the recession years, unemployment was touching nearly every family somehow - either directly or through relatives and friends. It's a safety net that millions rely on.

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So true. Even people who never thought they'd need it ended up filing claims.

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Yeah, I never imagined my sister would be in this position. Good to know the system is there for people who need it.

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For anyone still confused about eligibility, I'd recommend checking the Washington ESD website first, but if you need to talk to someone and can't get through, that Claimyr service mentioned earlier actually works. Used it myself last year.

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Thanks everyone for all the information! This has been really helpful in understanding who qualifies and who doesn't.

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Glad we could help. The key is having your sister apply if she thinks she might qualify - Washington ESD will make the final determination.

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One last thing - people who lose jobs due to company closures or mass layoffs are definitely affected, and there might be additional resources available through WorkSource for job retraining and placement services.

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I'll make sure to mention WorkSource to her too. Sounds like there are multiple support systems available.

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WorkSource is great for job search assistance and they work closely with the UI system.

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Bottom line: if you worked for an employer, paid into the system through payroll taxes, and lost your job through no fault of your own, you're likely affected by unemployment benefits in a positive way. The system is designed to help people during transitions between jobs.

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Perfect summary. I think my sister should definitely apply based on everything discussed here.

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Agreed. Better to apply and find out than to assume you don't qualify and miss out on benefits you earned.

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