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CosmicCruiser

Why file for unemployment with Washington ESD - is it worth the hassle?

I got laid off from my warehouse job last week and everyone keeps telling me to file for unemployment benefits with Washington ESD. Honestly I'm not sure if it's worth all the paperwork and requirements. I've heard you have to do job searches every week and attend meetings and all that. Plus won't it just be like $200 a week or something? I'm 28 and this is my first time being unemployed so I really don't know what to expect. Can someone explain if filing for unemployment is actually beneficial or if I should just focus on finding another job quickly instead?

You should definitely file! Washington ESD unemployment benefits are based on your earnings, so if you were making decent money at the warehouse, your weekly benefit could be much higher than $200. The maximum weekly benefit amount in Washington is currently over $900. Even if you find a job quickly, you can still collect benefits for the weeks you were unemployed. The job search requirement is 3 job contacts per week which isn't that bad - you'd be doing that anyway while looking for work.

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Oh wow I had no idea it could be that much. I was making about $22/hour at the warehouse so maybe it would be worth it. How do I figure out what my weekly amount would be?

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Washington ESD calculates it based on your highest earning quarter in your base period. You can get an estimate on their website before you file, or just file and they'll tell you the exact amount.

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dude absolutely file. I was in the same situation last year - got laid off and thought it wasn't worth it. Ended up getting $485 a week for 4 months while I looked for something better. That's almost $8000 I would have missed out on if I hadn't filed. The job search thing is easy, just keep track of where you apply.

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That's a lot of money! How long did it take for your first payment to come through?

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took about 3 weeks from when I filed. first week is always a waiting period anyway so that's normal.

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Here's the thing - you PAID into unemployment insurance through your paychecks. It's not welfare, it's insurance that you already paid for. Not using it when you qualify is like paying for car insurance and then not filing a claim when you get in an accident. The job search requirements are reasonable - 3 contacts per week and you have to be able and available for work. If you were planning to look for work anyway, you're already meeting the requirements.

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This is exactly right. People act like unemployment is charity but you literally paid for this coverage.

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I never thought about it that way. So it's money I already earned in a sense?

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Exactly. Every paycheck you received had unemployment insurance deducted. You earned this benefit by working.

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I was skeptical about filing too but honestly the process isn't as bad as people make it out to be. The hardest part is actually getting through to Washington ESD on the phone if you need help, but filing online is pretty straightforward. I actually used a service called Claimyr (claimyr.com) when I had questions about my claim - they help you get through to an actual ESD agent without waiting on hold for hours. There's a demo video at https://youtu.be/7DieNd3C7zQ that shows how it works.

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Oh that's interesting about the phone thing. Is it really that hard to reach them?

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Yeah the call volume is crazy. I tried calling for 2 weeks straight and could never get through until I found that service. Saved me so much frustration.

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I've heard of Claimyr but never tried it. Does it actually work or is it just another scam?

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It's legit. They don't ask for any personal info, just help you navigate the phone system to reach an actual person at ESD.

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The weekly job search requirements aren't that demanding either. You need to make 3 job search contacts per week and keep a log. This can include applying online, attending job fairs, networking contacts, etc. Most people looking for work are doing way more than 3 contacts per week anyway. WorkSourceWA also has resources to help with your job search that count toward your requirements.

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What counts as a job search contact exactly?

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Online applications, in-person applications, networking contacts, informational interviews, job fairs, contacting staffing agencies. Pretty much any legitimate effort to find employment.

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Another thing to consider - if you don't file right away, you lose those weeks. You can't backdate unemployment benefits in most cases. So even if you're unsure, it's better to file and then stop claiming if you find work quickly rather than wait and miss out on benefits you qualified for.

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Good point. So I should file this week even though I just got laid off?

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Yes, file as soon as possible. The sooner you file, the sooner your claim can be processed and you can start receiving benefits.

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I'll be honest, the Washington ESD system can be frustrating sometimes. There might be delays, your claim might go into adjudication if there are any questions about your separation, and the website crashes occasionally. But even with all that, it's still worth filing. The benefits help bridge the gap while you're looking for your next job.

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What's adjudication? That sounds scary.

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It just means they're reviewing your claim to make sure you qualify. Usually happens if there are questions about why you left your job or if your employer disputes something. Most claims get approved after adjudication.

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Adjudication can add a few weeks to the process but it's not necessarily bad news. They just want to verify the information.

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also don't let anyone tell you that filing for unemployment will hurt your chances of getting hired. employers understand that people file for benefits when they're laid off - it's completely normal and legal. I put my job search on hold for nobody when I was collecting benefits.

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That's a relief. I was worried potential employers might see it negatively.

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One more practical consideration - unemployment benefits are taxable income, but you can choose to have taxes withheld from your weekly payments. This prevents you from owing a big tax bill next year. Just something to keep in mind when you're setting up your claim.

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Oh I didn't know they were taxable. Thanks for the heads up.

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Yeah, you can elect to have 10% withheld for federal taxes when you file. Makes things easier at tax time.

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File! I wish I had filed sooner when I got laid off. I waited 3 weeks thinking I'd find something quickly and those are 3 weeks of benefits I'll never get back. Even if you find a job next week, you'll still get paid for the weeks you were unemployed and actively looking.

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Okay you guys have convinced me. I'm going to file tonight. Thanks everyone!

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Smart decision! And remember, if you run into any issues with your claim or need to talk to someone at Washington ESD, that Claimyr service I mentioned earlier can save you tons of time. I probably would have given up trying to reach ESD if I hadn't found that option.

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Mei Lin

I just checked out that Claimyr video demo - that's actually pretty clever how it works. Might try it if I need to call ESD.

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Good luck with your claim! The process has gotten better over the years. Most straightforward layoff cases get approved without any issues. Just make sure you file your weekly claims on time every week and keep up with your job search requirements.

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Will do! Really appreciate everyone taking the time to explain this.

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Welcome to the club nobody wants to join! But seriously, unemployment benefits are there for exactly this situation. You worked, you paid into the system, and now you need the safety net. That's how it's supposed to work.

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Haha yeah not the club I wanted to join but at least there's good support here.

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Just remember that even if your claim gets approved quickly, there's usually a one-week waiting period before you receive your first payment. So don't panic if you don't see money right away - that's normal.

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Good to know. I'll plan my budget around that delay.

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Final tip - when you file, have your employment history for the last 18 months ready including dates, employer names, and wages. This will make the application process much smoother. You can file online at esd.wa.gov 24/7 which is way easier than trying to call.

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Perfect, I have all my pay stubs so I should be set. Filing tonight for sure.

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You made the right choice asking about this instead of just assuming it wasn't worth it. So many people miss out on benefits they've earned because they don't understand how the system works.

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Yeah I'm glad I asked. This thread has been super helpful.

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let us know how it goes! always curious to hear about other people's experience with the filing process. seems like it's gotten easier over the years but there are still hiccups sometimes.

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Will do! I'll update this thread once I get through the process.

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One last thing - don't be discouraged if the website is slow or crashes while you're filing. Washington ESD's system gets overloaded sometimes but just try again later. The claim will still get processed even if it takes a few tries to submit.

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Thanks for the warning. I'll be patient with the technology.

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This has been a great thread. Really shows how much misinformation is out there about unemployment benefits. OP made the smart move asking for real experiences instead of just going off assumptions.

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Absolutely. I had so many wrong ideas about how this all worked.

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Good luck OP! Warehouse work is tough and layoffs happen. The unemployment system exists exactly for situations like yours - temporary help while you find your next opportunity.

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Thanks! Really appreciate everyone's help and encouragement.

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