Self-employed or independent contractor?
Benefits available for self-employed workers
Unemployment benefits are now available Washingtonians who have lost work because of the COVID-19 crisis—including freelancers, independent contractors and other self-employed workers. The new federal CARES Act makes this possible.
If you’re a self-employed worker who’s lost income in this crisis, you may now qualify for unemployment benefits. The amount of financial help varies. But if your application is approved, you will be paid at least the minimum weekly benefit amount, and if that amount is at least $1 per week, you will also receive an additional $600 weekly from March 29 to July 25.
How to apply
- Download this checklist for information you need to apply for regular unemployment benefits.
- Download the Expanded Pandemic Benefits Unemployment Guide then apply for regular unemployment benefits, even though you likely don’t qualify for them. This step is required before you can apply for the benefits for self-employed workers.
- Download this checklist and apply for expanded unemployment benefits (called Pandemic Unemployment Assistance).
- Submit weekly claims to get paid.
Step 1: Apply for regular unemployment
You must apply for regular unemployment benefits before you can apply for the expanded benefits for people impacted by COVID-19. Please fill out the online application the best you can. Download this guide and use it when you apply - it can help you navigate the application and avoid issues that will delay your benefit.
- Create an account. Watch the tutorial on this page to avoid common issues that could delay your benefits.
- If you only worked as a self-employed person in the last 18 months, list no employers when asked. But if you also worked as an employee for a business, give that information.
- The job search requirement is optional during this crisis, so you can answer “no.” It won't affect your benefits. We also ask if you’re able and available for work.
- Move to Step 2 when you’re denied regular benefits. For some this will be immediate. For others it may take a few weeks. ESD staff may call you to ask for more information during this time. Please answer your phone! The call will be from an unlisted number.
A decision may take time
You can move on to step 2 as soon as you are denied regular unemployment. For some this will be immediate and for others it may take a few weeks. We are required by law to verify you are not eligilbe for regular unemployment and sometimes this requires we reach out to you for additional information.
Step 2: Apply for expanded unemployment benefits
(Pandemic Unemployment Assistance)
When your application for regular benefits has been denied, an alert will show up in your eServices account and email inbox. You then can apply for Pandemic Unemployment Assistance.
- You will need to upload documents such as your federal tax return or 1099 form as proof of income.
- If your application for Pandemic Unemployment Assistance is approved, you will get an amount based on your normal income, and if that amount is at least $1 per week, you will also automatically receive an additional $600 weekly from April 4 to July 25.
Step 3: Submit your weekly claim
After applying, start submitting weekly claims right away—even before you’re approved—to get paid faster.
- More information about filing weekly claims is in this guide. We recommend submitting your weekly claims online, using eServices.
- After your application is approved, we will process all the weekly claims you filed before being approved and provide you a lump sum for any payment you are still owed.
- You will receive payment via the method you choose: direct deposit or debit card.
- If you find work, stop filing weekly claims. Your payments will stop.
How much will I receive?
We must verify wage information to determine your correct benefits. This typically takes up to three weeks if there are no issues with your application.
However, to get you money as soon as possible, we will pay you the minimum amount you are eligible for after you're approved and you submit your first weekly claim.
We will review the information you submit as quickly as possible and calculate the total benefits you’re owed. Any money you missed will be paid.