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Also remember that Washington state has some specific rules about what constitutes 'suitable work' that you have to accept. Generally it's work that's reasonably related to your skills and experience, pays at least 70% of your previous wage, and is within a reasonable commute distance.
Just wanted to add that if you have any questions about your specific situation, it's really worth getting connected to someone at Washington ESD directly. I know people mentioned Claimyr earlier - I ended up using them too after spending days trying to get through on my own. The website is claimyr.com if anyone wants to check it out. Sometimes you just need to talk to a real person to understand how the rules apply to your particular case.
One last thing - if you're worried about security, you can always set up a separate checking account just for unemployment deposits. Some people prefer to keep it separate from their main banking.
Bottom line: any legitimate bank or credit union should work fine. Just avoid anything sketchy and make sure your account info is correct when you set it up. Washington ESD's direct deposit system is pretty reliable once it's working properly.
For anyone still waiting - check your spam folder! My payment notifications were going to spam for some reason and I didn't realize I was getting paid for like a week lol
Thanks for this thread everyone. Starting my claim next week and now I know what to expect with the timing. Seems like patience is key but good to know about Claimyr if I run into issues.
Just want to add that if you're self-employed or an independent contractor, you might not be eligible for regular UI benefits. You'd need to check if you qualify for other programs or if you've been paying into the system voluntarily.
One more tip - when you do get your benefit determination letter from Washington ESD, read it carefully and make sure all the wage information is correct. If there are errors, you need to appeal quickly to get them fixed.
I believe it's 30 days from when the determination is mailed, but don't quote me on that. Best to appeal as soon as you notice an error.
And this is where services like Claimyr become really valuable - getting through to ESD to discuss appeal issues or benefit calculations is nearly impossible otherwise. I've used them twice now when I needed to actually talk to someone about my claim.
Mila Walker
PSA for everyone - if you're currently getting unemployment from Washington ESD, log into your account and elect tax withholding NOW. Don't wait until tax time to deal with this.
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Logan Scott
•This is good advice. I wish I had done this from the beginning.
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Faith Kingston
•Agreed. The 10% withholding option covers most people's tax liability on unemployment benefits.
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Chloe Green
I'm a tax preparer and see this confusion every tax season. Yes, unemployment is taxable income. Yes, you should have taxes withheld if possible. And yes, you need to report the full amount on your tax return.
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Lincoln Ramiro
•Wish more people knew about this beforehand. It would save a lot of stress.
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Chloe Green
•Absolutely. I always recommend clients elect withholding on any unemployment benefits to avoid surprises.
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