Learn About Reporting Unemployment Income

Many people in Washington are experiencing significant disruption in their lives due to the COVID-19 pandemic, including loss of jobs and health coverage. You may have questions about entering income in Washington Healthplanfinder as your weekly benefits changes.

Keep your unemployment benefits up to date, to get the right amount of financial help. With Washington Healthplanfinder at wahealthplanfinder.org or the mobile app WAPlanfinder, you can receive free help, apply or update your information for health coverage virtually. To get started log in or create an account to report changes and make other updates.


Tips on reporting your unemployment income

There are new types of income created by the CARES Act passed by the US Congress in March 2020.

How do I report these new incomes in Washington Healthplanfinder?

How unemployment income is typically reported:

While signing up for health coverage, you are asked whether you are receiving any unemployment income and to enter the unemployment benefit amount. Unemployment benefits are distributed weekly in Washington State. You must report unemployment benefits you are getting from other states.

 

How to view unemployment benefit amounts:

You can view your weekly unemployment benefit amount by:

  • Logging onto your SecureAccess account on the Employment Security Department (ESD) website
  • Click on Manage my active UI claim
  • The ‘summary’ tab will display your base weekly benefit amount. This is the amount to report on your Washington Healthplanfinder application.
  • To see your weekly unemployment benefit amount, navigate from the ‘summary’ tab to the ‘weeks summary’ tab.
  • This will display your full weekly benefit amount. This is the amount that should be reported in Washington Healthplanfinder. The amount will be automatically calculated to determine your eligibility for Apple Health, as required by federal law.
  • If your weekly benefit amount is reduced due to part-time earnings, overpayment, or other reason, report the amount you receive before IRS withholding for taxes.

 

 

Find the start date of your unemployment period 

To locate the Unemployment, start date or period you restarted your benefits:

  • Log in to your SecureAccess account on the Employment Security Department website.
  • Select the ‘Weeks summary’ tab.
  • Locate the date under ‘Week’. This maybe the start date or the date you first received a new benefit amount.

 

Find the weekly unemployment benefit amount  

To locate the Unemployment benefit amount:

  • Log in to your SecureAccess account on the Employment Security Department website.
  • Select the ‘Weeks summary’ tab.
  • Locate your weekly amount under ‘Benefits paid’.

 

Find the end date of your current unemployment 

To locate the Unemployment, start date or period you restarted your benefits:

  • Log in to your SecureAccess account on the Employment Security Department website.
  • Select the ‘Weeks summary’ tab.
  • Locate your end date under ‘Week’. The end date will be the last date you received the payment amount.

 

If your unemployment amount changes due to returning to work part-time, or due to some other change:

You will need to ‘end date’ the previous unemployment record and create a new unemployment record with the start date of your new State unemployment amount. Enter your unemployment amount received before IRS withholding.

To find the end date go to your ESD account, open the ‘Weeks summary’ tab, use the last date before you returned to work or received additional income.


How to enter a State unemployment amount change that has already passed:

If the State amount change occurred before 7/26: You need to enter the Total (the amount for the week of 7/25), this will include the $600. Our system knows you only received the amount until the week of 7/25.


Determine if you are eligible for tax credits

Use our Tax credits tool calculator.

If you received unemployment benefits for any week(s) between 3/29 to 7/25, Washington Healthplanfinder uses the unemployment start and end dates to calculate the total amount of Pandemic Unemployment income received for 2020 eligibility.

To calculate your income for purposes of tax credits/Cost-Sharing Reductions, Washington Healthplanfinder will add up all Pandemic Unemployment income received using the dates entered (assumed end through 7/25 if no end date is entered) and divide this by 12 for appropriate eligibility.

Example Scenarios

For example: If you started receiving Unemployment income on the week ending on 4/4 and you did not enter an end date, Washington Healthplanfinder will assume that you are receiving Federal Pandemic Unemployment income for all 17 weeks.

  • $600 (weekly amount) x 17 (weeks)= $10,200 in Pandemic income.
  • The system then divides $10,200 (total amount) by 12 (months) = $850 per month toward your monthly income for Qualified Health Plan with tax credits eligibility.

For example: September 21 you receive a lump payment of $900 for Lost Wages Assistance FEMA payment for the weeks of August 1- 15 (3 weeks at $300 per week).

  • $300 (weekly amount) x 3 (weeks)= $900 in Lost Wages Assistance FEMA payment.
  • You would then calculate $900 (total amount) by 12 (months) = $75 per month toward your monthly income for Qualified Health Plan with tax credits eligibility.

Do not report this income; however, you may choose to adjust the amount of tax credits applied to your premium.