Washington Unemployment

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Just wanted to add my experience since I went through this exact situation about 6 months ago. I withdrew $8,000 from my 401k while on unemployment - only reported the employer match portion (about $400 in my case) and it only affected that single week's benefits. The key thing I learned is to be VERY specific when reporting it. Don't just put "retirement withdrawal" - I wrote "401k withdrawal - employer match portion only" in the comments section. This seemed to help avoid any confusion on their end. Also, keep your 401k statement showing the breakdown between your contributions and employer match, just in case they ask for documentation later. The whole process went smoothly for me and benefits resumed normally the following week. Good luck with your medical expenses!

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This is exactly the kind of detailed guidance I was hoping for! Thank you for sharing your experience and the specific wording you used when reporting. I'll definitely copy that approach and write "401k withdrawal - employer match portion only" to be crystal clear. Having the 401k statement ready with the breakdown is a great tip too. It's reassuring to hear from someone who went through the exact same situation successfully. Really appreciate you taking the time to share this!

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I'm in a similar situation and this thread has been incredibly helpful! One thing I wanted to add - if you're withdrawing for medical expenses, you might want to check if your withdrawal qualifies for the medical expense exception to the 10% early withdrawal penalty. The IRS allows penalty-free withdrawals for unreimbursed medical expenses that exceed 7.5% of your adjusted gross income. Since you're on unemployment, your AGI is probably lower this year, so you might qualify. It won't affect the ESD reporting requirements (still need to report that employer match portion), but it could save you some money on the tax side. Just something to discuss with a tax professional if the medical bills are substantial!

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That's a fantastic point about the medical expense exception! I hadn't even thought about that possibility. Since I've been on unemployment for a few months now, my AGI for this year will definitely be much lower than usual. The medical bills are around $12,000, so there's a good chance they'll exceed that 7.5% threshold. I'll definitely consult with a tax professional about this - could save me a significant amount on the penalty. Thanks for bringing this up, it's exactly the kind of detail that could make a real difference!

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I feel for you, this system is so frustrating! My claim was stuck for THREE MONTHS earlier this year with zero communication from ESD. I finally got desperate and contacted my state representative's office. They have staff who can help with ESD issues and got my claim resolved within a week. Might be worth trying if your appeal gets stuck too.

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Hey Caesar, I went through something very similar last year! Got denied for "quitting without good cause" even though I had a legitimate job offer with better pay. The key thing that helped me win my appeal was being super explicit about the connection between quitting my old job BECAUSE I had secured the new position. ESD seems to default to denial unless you spell everything out clearly. In your appeal, make sure to emphasize that this wasn't just you quitting randomly - you had a concrete job offer in hand that provided better wages before you gave notice. The fact that the new employer let you go after 2 weeks is totally separate from whether you had good cause to quit your original job. Also, don't stress too much about the resignation date vs last day worked thing. That's pretty standard - most people give 2 weeks notice. What matters is that you can prove you had the job offer before quitting and that you actually started the new position. Your paystub should be perfect evidence for that.

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Ruby, this is exactly what I needed to hear! It's so reassuring to know someone else went through the same situation and won their appeal. I think I made the mistake of just providing documents without clearly explaining WHY I quit in the first place. I'll definitely emphasize in my appeal that I quit specifically because I had secured better employment, not just randomly. Thanks for sharing your experience - it really helps to know I'm not alone in dealing with ESD's confusing process!

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Thanks everyone for all the helpful info! I feel much more confident about filing my first weekly claim now. This thread should be bookmarked for other newbies.

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Glad we could help! Remember to file every week and be honest about everything. You'll get the hang of it.

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Seriously, this community is amazing. I was so lost and now I know exactly what to do.

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Just want to add that you can also check your claim status and payment history in the eServices portal. Sometimes payments get delayed due to bank processing times too, not just ESD issues. I usually get my payments on Tuesday or Wednesday after filing on Sunday. Also, if you ever need to update your direct deposit info or address, do it through eServices rather than trying to call - it's much faster and you'll get a confirmation email.

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Just remember that missing weekly claims can mess up your whole benefit year. I missed two weeks in a row once and it took forever to get it sorted out. Don't make my mistake!

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What happened when you missed those weeks?

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Had to do a bunch of paperwork and wait weeks to get those benefits paid. It was a nightmare.

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I just went through this same process a few weeks ago and totally understand the confusion! Here's what worked for me: Set up a Sunday routine where you log into the SecureAccess Washington portal around the same time each week. Have a notebook ready to jot down your job search activities as you do them throughout the week - it makes filing so much easier. The questions are pretty straightforward once you do it a couple times. Don't stress too much about it, just be honest and consistent with your answers. You've got this!

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I've been calling at exactly 7:29 AM, then immediately redialing if I get the busy message. Sometimes it takes 15-20 attempts, but that timing worked twice for me. The worst part is that once the claim is approved, it's literally just a button they push on their end. My adjudicator said it took her about 2 minutes to actually review and approve my claim once she got to it in the queue.

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That's infuriating! All this stress and financial hardship because they're so backlogged that no one can push a button for weeks. I'll try your early morning calling strategy tomorrow.

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I'm going through something very similar right now - laid off from a healthcare company 4 weeks ago and still stuck in pending despite having all my documentation uploaded and my employer confirming they won't contest. The lack of communication from ESD is the most frustrating part. You literally have no idea if your case is being worked on or just sitting in a digital pile somewhere. I didn't know about the Governor's office option until reading your post - thank you for sharing that! I'm definitely going to try that route if I don't hear anything by next week. The phone system is absolutely useless. I've probably called 100+ times and never gotten through to a human. Really hoping your escalation works quickly. Keep us updated on how it goes - this whole thread is giving me some hope that there are ways to get unstuck from this broken system.

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Emma, I'm so sorry you're dealing with this too! The lack of communication really is the worst part - at least if they told us "your claim will be reviewed in X weeks" we could plan accordingly. Definitely try the Governor's office - the staff member I spoke with was really understanding and seemed to genuinely want to help. I also learned from this thread to double-check ALL the tabs in eServices for any hidden questionnaires or requests. I'll definitely keep everyone updated on how the escalation goes. Hopefully we'll both be approved soon and can put this nightmare behind us!

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