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This is really helpful advice, especially about tracking earnings mid-week to optimize total income! I hadn't thought about strategically stopping gig work if I'm getting close to that earnings threshold. Quick question - when you say "gross earnings," are you including tips that customers add through the app, or just the base delivery fees? I know tips are part of what the apps report to the IRS, but I want to make sure I'm reporting the right numbers to ESD. Also, do you use any specific spreadsheet template or just create your own columns? I'm pretty organized but want to make sure I'm tracking everything ESD might ask for if my claim gets reviewed. Thanks for sharing your experience - it's reassuring to hear from someone who's been successfully managing this for months!
Yes, you need to include tips in your gross earnings reporting to ESD! Tips are considered part of your total compensation, whether they're added through the app or given in cash. The gig companies report the full amount (base pay + tips) to the IRS, so ESD will see that total when they cross-reference your earnings. For my spreadsheet, I keep it simple with these columns: Date, Platform (DD/Instacart/etc), Hours Worked, Base Pay, Tips, Total Gross, and Notes. The "Notes" column is helpful for things like "worked during dinner rush" or "slow day due to weather" - gives context if you ever need to explain earnings fluctuations. I also keep a running weekly total at the bottom so I can see if I'm approaching that $343 threshold mid-week. Like Javier mentioned, sometimes it's better to stop working Thursday if you're already close to the limit rather than accidentally going over and losing benefits dollar-for-dollar. One more thing - save your weekly app earnings summaries as PDFs or screenshots in a folder on your phone/computer. Makes it super easy to reference if ESD ever asks for documentation during a review.
I've been doing DoorDash while on unemployment for about 3 months now and wanted to share a few additional tips that have helped me stay compliant: 1. **Weekly claiming timing matters** - I always file my weekly claim on the same day each week and make sure to report earnings for the correct work week, not the pay week. The apps sometimes pay you the following week for work you did, so don't get confused by that. 2. **Track your mileage too** - Even though you're reporting gross earnings to ESD, you'll want mileage records for tax purposes. I use the Stride app to automatically track miles while doing deliveries. Come tax time, you can deduct business mileage which helps offset the self-employment taxes you'll owe on gig earnings. 3. **Be prepared for quarterly tax payments** - Since gig work is 1099 income, you'll likely need to make estimated quarterly tax payments to avoid penalties. Something to factor into your financial planning while job hunting. 4. **Keep your availability flexible** - I only work gig jobs during off-peak job search hours (early mornings, evenings, weekends). This way I'm always available for interviews during business hours and it shows ESD you're prioritizing your job search. The earning limit can be frustrating when you hit it mid-week, but honestly the flexibility to earn some extra cash while job hunting has been a lifesaver. Just stay organized with your tracking and you should be fine!
This is incredibly thorough advice, thank you! The point about weekly claiming timing is something I definitely need to pay attention to - I can see how it would be easy to mix up work weeks vs pay weeks with the apps. I hadn't thought about the tax implications either. Do you have a rough estimate of what percentage to set aside for taxes on the gig earnings? I know it varies by income level but just looking for a ballpark figure to help with budgeting while I'm job searching. The availability strategy makes a lot of sense too - keeping business hours free for interviews and job search activities. I was planning to work mostly evenings and weekends anyway, so that aligns well with staying compliant on the job search requirements. Really appreciate everyone sharing their real-world experience with this. Makes me feel much more confident about doing this the right way!
One more thing to consider - make sure your new employer knows you're currently on unemployment. Some companies want to coordinate start dates to help employees transition smoothly off benefits.
I went through this exact same situation a few months ago with Washington ESD. You're absolutely fine to continue claiming during the gap period - just be completely transparent on your weekly claims about accepting the offer and your availability status. I documented everything (offer letter, start date confirmation emails) and had zero issues. The key thing Washington ESD cares about is honesty, not penalizing people for normal employment transitions. Congrats on the job offer and don't stress about it!
I'm in almost the identical situation right now - accepted an offer last week with a start date of January 20th. Reading through this whole thread has been incredibly helpful, but your firsthand experience really puts me at ease. I was particularly worried about the job search requirement during the gap period. Did you continue doing the 3 weekly job contacts even after accepting your offer, or does that requirement change once you have a confirmed start date?
I had a similar gap period situation last year and can confirm what you're saying about being transparent with Washington ESD. One thing I learned is that they really appreciate when you proactively explain your situation rather than just checking boxes on the weekly claim. I actually called ahead to let them know about my accepted offer and upcoming start date, and the representative noted it in my file. Made the whole process smoother when I filed my claims during the gap weeks. The documentation you mentioned is crucial - I saved screenshots of every weekly claim submission just in case there were any questions later.
One more important point that hasn't been mentioned: When you report freelance/self-employment income, you should report it for the week you PERFORM the work, not when you get paid (which is different from W-2 work where you report when paid). Also, regarding job search requirements: Yes, you must continue performing and documenting 3 job search activities each week, even during weeks you do freelance work, UNLESS you've been approved for standby status or commissioner-approved training. Freelance work by itself doesn't exempt you from job search requirements. And a final tip: If your freelance work becomes regular and ongoing, you might want to look into partial unemployment benefits. You can potentially receive partial benefits for a longer period rather than using up full weeks of benefits during periods of no work.
Just wanted to add my experience as someone who did exactly this! I had a 3-week freelance project while collecting unemployment and it went smoothly. The key things that worked for me: 1) I kept filing weekly claims without interruption, 2) reported my gross freelance income for the exact weeks I worked (not when I got paid), 3) continued doing my 3 job searches each week even during work weeks, and 4) kept every email, invoice, and payment record. After the project ended, my regular benefits resumed automatically. Don't overthink it - just be thorough with reporting and documentation!
I'm new to unemployment benefits and just opened a Gesa account specifically because I heard they were good for direct deposits. This thread is so reassuring! I was worried about timing since I'm also dealing with rent deadlines. Quick question for the Gesa veterans here - does the deposit timing change at all if you're brand new to unemployment? Like, do they hold first-time deposits longer or anything like that? I just filed my first weekly claim on Sunday and ESD shows it as processed, but I want to make sure I have realistic expectations for when it might hit my account. Also, is there any difference between using Gesa's mobile app vs online banking for checking deposits? I want to make sure I'm not missing anything!
Welcome to the unemployment journey! From my experience with Gesa, there shouldn't be any difference in timing for your first deposit versus ongoing ones - Gesa processes ACH transfers the same way regardless. Since you filed Sunday and it shows processed, you should see it follow the same Wednesday night pattern everyone's been describing (around 10:30pm-midnight). As for mobile app vs online banking, they both show the same information in real time, but I personally prefer the mobile app because you can set up push notifications for deposits. That way you don't have to keep checking - you'll get an alert the moment it hits your account. The desktop site is fine too, but the mobile notifications are clutch for knowing exactly when your money arrives. You picked a good credit union! The timing is very consistent once you get into the routine. Good luck with everything!
I've been on unemployment with Gesa for about 6 months and can confirm what everyone else is saying - Wednesday nights between 10pm-midnight is the norm! I file Sunday evenings and it's been incredibly consistent. One thing I'll add that might help with your rent situation: I started using Gesa's "account alerts" feature where they text me the instant any deposit over $100 hits my account. That way I know immediately when my benefits arrive instead of checking obsessively. You can set this up in their mobile app under notifications. Also, for what it's worth, I've found that if I file my weekly claim before noon on Sunday, it seems to process slightly faster than when I file Sunday night. Might just be coincidence, but the earlier filing seems to keep everything on the most predictable schedule. For your landlord, I'd definitely say Thursday morning to be safe, but realistically you should have the funds Wednesday night. The consistency has been one of the few reliable things about this whole unemployment process!
This is super helpful info, thank you! I just set up the text alerts for deposits over $100 - that's going to save me so much anxiety about constantly checking my account. And that tip about filing before noon on Sunday is interesting, I might try that this week to see if it makes any difference. It's really reassuring to hear how consistent the timing has been for everyone here. Makes me feel much more confident about managing my budget around these payments. Thanks for sharing your experience!
Liam Sullivan
This is such a common confusion! I went through the same thing when I took leave for my father's care last year. The key thing to remember is that FMLA and PFML are two separate programs that can work together: - FMLA = Federal job protection (unpaid) - PFML = Washington state income replacement (paid) Since you didn't receive any income during your leave, there's nothing to tax. But I'd recommend bookmarking the ESD PFML page for future reference - it's really generous coverage (up to 90% of your wages) and you pay into it through small payroll deductions anyway, so you might as well use it if you ever need leave again. Also, don't feel bad about not knowing - a lot of employers don't proactively inform employees about PFML benefits. It's relatively new (started in 2020) so many HR departments are still learning about it themselves.
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Olivia Garcia
•This is really helpful context! I'm new to Washington and had no idea about the PFML program. When you say you pay into it through payroll deductions - is that automatic for all employees or do you have to sign up for it? And does it cover things like caring for family members too, not just your own medical issues?
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Evelyn Martinez
•@Olivia Garcia Yes, PFML premiums are automatically deducted from your paycheck if you re'an eligible employee in Washington - you don t'need to sign up for the deductions, but you do need to apply for benefits when you need them. And it covers both your own medical issues AND caring for family members! The family leave portion covers things like bonding with a new child, caring for a family member with a serious health condition, or military deployment situations. You can get up to 12 weeks for your own medical issues and up to 12 weeks for family reasons with (some overlap allowed .)Really wish more people knew about this program - it s'honestly one of the best benefits Washington offers but so many people miss out because employers don t'always explain it well.
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Chris Elmeda
Just wanted to add my experience as someone who actually used both FMLA and PFML together last year for my own medical leave. The process was pretty straightforward once I figured it out: 1. Applied for FMLA through my employer's HR (job protection) 2. Applied for PFML through ESD's website (income replacement) 3. Both ran concurrently for 10 weeks The PFML benefits were definitely taxable - I got a 1099-G from ESD and had to report it as income. But since you didn't receive any PFML payments, you're all set tax-wise! One tip for anyone reading this: Even if your employer offers short-term disability, you should still check if PFML might be better. Washington's PFML often provides higher benefits than private disability insurance, and you've been paying into it anyway through your paycheck deductions.
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William Schwarz
•That's really helpful to hear from someone who actually used both programs! I'm curious - when you applied for PFML through ESD's website, was the application process complicated? And did you have to provide the same medical documentation that you gave to your employer for FMLA, or do they require different paperwork? I'm asking because I might need surgery later this year and want to be prepared this time around instead of missing out on benefits like I did with my last leave.
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Manny Lark
•@William Schwarz The PFML application through ESD was actually pretty user-friendly! You do need medical documentation, but it doesn t'have to be identical to what you submit for FMLA. For PFML, you ll'need your healthcare provider to complete a Medical "Certification form" that ESD provides - it s'similar to FMLA paperwork but has some different questions. The key things to remember: Apply for PFML as soon as you know you ll'need leave you (can apply up to 30 days before your leave starts ,)and make sure you ve'worked at least 820 hours in Washington during your qualifying period. The ESD website has a pretty good calculator to help you figure out your potential benefit amount too. One thing that surprised me was how quickly they processed my application - I got approval within about 2 weeks. Much faster than I expected from a government program! Definitely worth applying early so you have everything lined up before your surgery.
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