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I'm going through almost the exact same situation right now! Been on SDI for a herniated disc since December, tried going back to my warehouse job 3 weeks ago thinking I was healed enough, but the constant lifting and twisting motions brought all the pain and numbness back worse than ever. My orthopedist now agrees I returned way too early. Reading through all these responses has been such a relief - I had no idea about recurrence claims or that this was so common! Since I'm at 21 days back at work, sounds like I definitely need to file the recurrence claim through SDI Online. The advice about getting your doctor to use specific language like "therapeutic work trial" or "premature return to work" is incredibly valuable - I'm going to make sure my doctor includes those exact phrases. @Elijah Knight congratulations on getting approved so quickly! Hearing that you kept your full weekly benefit and didn't have another waiting period gives me so much hope. I've been stressed about starting over completely, but it sounds like the recurrence process actually works pretty well when you have the right documentation. Thanks for sharing your story and creating this thread - it's amazing how many of us are dealing with the exact same struggle. Sometimes you just don't know if you're truly ready until you try, but there's no shame in prioritizing your health when your body tells you it's not time yet!
I'm so sorry you're dealing with a herniated disc setback - those warehouse jobs are absolutely brutal on your back, especially with all that lifting and twisting! It sounds like you're making the smart choice listening to your body and your orthopedist. Three weeks back is definitely within that recurrence window, so you should be able to get this sorted out relatively quickly. The herniated disc/warehouse combo is particularly tough because you can feel okay during lighter activities but then those repetitive heavy lifting motions just destroy you. Your orthopedist will probably be able to write really specific documentation about how the physical demands of warehouse work directly aggravated your disc condition - that kind of detailed medical explanation seems to really help with EDD approval. Definitely use that "therapeutic work trial" language that's worked so well for others in this thread! Your situation is textbook premature return to work, and the fact that your doctor now agrees you went back too early gives you really strong medical backing for the recurrence claim. Hang in there - based on all the success stories here, it sounds like you're going to get through this process just fine!
I'm so glad I found this thread! I'm dealing with a similar situation with my chronic migraines. I was on SDI for 6 months, tried going back to my office job 2 weeks ago, but the fluorescent lights and computer screen time triggered massive headaches again within days. My neurologist agrees I pushed too hard too fast. Reading everyone's success stories with recurrence claims has been incredibly helpful - especially all the advice about specific language for doctors to use. I'm definitely going to ask my neurologist to document this as a "therapeutic work trial that failed due to incomplete recovery" from the same condition. @Elijah Knight - congratulations on your quick approval! It's so encouraging to hear that the process can work smoothly when you have proper documentation. Your thread has helped so many people understand their options. Question for anyone who's been through this - did EDD ask for any specific documentation about your work environment or job duties? I'm wondering if I should get a letter from HR describing the lighting and computer requirements that triggered my migraines. Thanks everyone for sharing your experiences!
I'm in the exact same boat as everyone else here! Just got my 1099-G last week for SDI benefits I received during a 3-month medical leave in 2024, and I was completely panicked thinking I'd owe a ton of money in taxes. This thread has been absolutely incredible - I had no idea that the taxability depends on who paid the SDI premiums! I dug out my old paystubs and confirmed that I had "CA SDI" deducted from every single paycheck, so it sounds like I'm in the clear for federal taxes. It's honestly ridiculous that EDD sends out these official-looking tax forms without any explanation about this crucial distinction. I've been stressing about this for days, but now I feel confident enough to tackle my taxes this weekend. Planning to use TurboTax and make sure to specify that I paid my own premiums. Thank you to everyone who shared their experiences - this community has been way more helpful than hours of trying to navigate confusing government websites!
I'm so relieved to find this thread! I'm completely new to SDI and just received my 1099-G form yesterday - I was absolutely terrified thinking I'd have to pay taxes on the entire amount. Reading everyone's experiences has been such a huge help in understanding that the key question is who paid the premiums. I just checked my paystubs from 2024 and sure enough, there's that "CA SDI" deduction every single pay period! It's incredible how many of us are going through this exact same stress right now. You're absolutely right that EDD should include some basic explanation with these forms - would save thousands of people the panic we're all experiencing. Thanks to everyone here, I'm actually looking forward to doing my taxes this weekend instead of dreading it. Going to fire up TurboTax and confidently tell it that I paid my own SDI premiums!
I'm going through this exact same situation right now! Just got my 1099-G form yesterday for SDI benefits I received last year after being out for 7 weeks following a medical procedure. Like everyone else here, I was completely freaked out thinking I'd owe federal taxes on the whole amount! But after reading through all these incredibly helpful responses, I checked my 2024 paystubs and confirmed I had "CA SDI" deducted from every single paycheck - so it sounds like since I paid the premiums myself, the benefits won't be federally taxable even though I need to report them. It's so frustrating that EDD doesn't include ANY explanation with the 1099-G about this whole premium situation! Would literally take them one page to explain this and save thousands of people the stress we're all going through. But I'm so grateful for this community - you all have been way more helpful than anything I could find on official websites. Planning to tackle TurboTax this weekend and make sure to tell it I paid my own SDI premiums. Thanks everyone for sharing your experiences!
Hi there! I just wanted to add my experience since I went through this last year. You'll definitely get a 1099G form from EDD for your pregnancy disability benefits - they're required to send it by January 31st for the previous tax year. The benefits ARE federally taxable but NOT taxable for California state income tax, which is nice! One thing I learned the hard way is that it's really worth requesting tax withholding if you haven't already. You can call EDD and ask for form DE 4450 to have 10% withheld from your remaining payments - I wish I had done this from the start because I ended up owing about $800 in federal taxes that I wasn't expecting. Also, don't wait for the paper form in the mail - log into your EDD account online in late January and you can download your 1099G right away. Good luck with everything and congratulations on your pregnancy! 💕
Thank you for sharing your experience! $800 is definitely a significant amount to owe unexpectedly. I'm curious - was that based on your regular tax bracket, or did the SDI benefits push you into a higher bracket? I'm trying to figure out roughly how much I should expect to set aside. Also, when you called EDD about the DE 4450 form, was it difficult to get through to someone? I've heard mixed things about their phone wait times. Appreciate all the helpful info!
Just wanted to chime in as someone who's currently dealing with this exact situation! I'm on pregnancy disability right now too (due in April) and was totally confused about the tax implications until I did some research. What I've learned is that yes, you'll definitely get a 1099G form from EDD and the SDI benefits are federally taxable but not for California state taxes. The key thing I wish I had known earlier is that you can request tax withholding even after you've started receiving benefits! I called EDD last week and requested the DE 4450 form to have 10% withheld from my remaining payments. It took about 45 minutes to get through (called right when they opened at 8am), but the rep was super helpful and said the withholding would start with my next payment. Honestly, having that peace of mind is worth it - I don't want to be surprised with a big tax bill next year when we'll have a new baby and all those expenses! Also, definitely plan to access your 1099G online through your EDD account in January rather than waiting for it in the mail. Hope this helps and congratulations on your pregnancy! 🤗
I'm so sorry you're dealing with this stress right after having your baby! I went through the exact same thing in January 2025. The payment stoppage after delivery is completely routine - EDD needs to verify your delivery info to determine if you're continuing on disability or transitioning to paid family leave. Since you submitted through the online portal this morning, you should expect to see movement in about 5-7 business days based on current processing times. The good news is they will backpay you for any missed payments, so you won't lose any money - it's just the cash flow timing that's stressful. A few tips that helped me: 1) Call your utility companies now to explain the EDD processing delay - most have policies for this exact situation, 2) Double-check with your OB's office that they submitted your updated medical certification with the correct delivery date/method, 3) Keep checking both your SDI online account AND your bank account, as sometimes the payment appears before the portal updates. This whole process is so poorly designed for new parents, but you're doing everything right. The payment will come through! Congratulations on your little one! 💕
Thank you so much for the detailed advice! It's such a relief to hear from someone who just went through this exact situation in January. The 5-7 day timeline helps me set realistic expectations instead of obsessing over my account every few hours. I love your practical tips - I'm definitely calling my utility companies tomorrow morning, and I hadn't thought about double-checking with my OB's office about the medical certification. That could definitely be a potential holdup I wouldn't have known about. It's honestly ridiculous that so many new parents have to deal with this financial stress right when we're already overwhelmed with a newborn, but reading everyone's experiences here has been so reassuring. Thank you for the encouragement and congratulations! 💕
I'm currently dealing with this exact same situation! Had my baby 4 days ago via C-section and my SDI payments stopped immediately after delivery. I submitted the birth information through the online portal yesterday and have been anxiously checking my account every few hours since then. Reading through all these experiences has been such a huge relief - I was starting to panic that I had done something wrong or that there was an issue with my claim! It's so reassuring to know that 5-7 business days seems to be the current standard processing time and that this payment stoppage is completely routine. The financial timing is definitely stressful though - I have several bills due next week that I was counting on this payment for. Based on everyone's advice here, I'm going to call my utility companies and credit card company tomorrow morning to explain the EDD processing delay and request extensions. I really appreciate everyone sharing their experiences and timelines. It's helping me stay calm during what's already such an overwhelming time with a newborn. The fact that so many new moms are dealing with this exact same bureaucratic hassle really shows how much the system needs improvement! Fingers crossed we all see our payments processed by early next week. Congratulations to all the new mamas here - we've got this! 💕
I'm in the exact same boat! Had my C-section baby 6 days ago and submitted my birth info online 3 days ago. The constant account checking is exhausting but I can't help myself! 😅 This thread has been a lifesaver - I was convinced I'd somehow messed up my submission. The 5-7 day timeline everyone's sharing gives me so much hope that we should see movement by early next week. Already called my electric company this morning after reading everyone's advice and they were super understanding about the EDD delay. Gave me a 10-day extension no questions asked! Definitely recommend being proactive with creditors like you're planning to do. It's wild how many of us new moms are dealing with this stress simultaneously. You'd think EDD would streamline this process by now! But we're all going to get through this together. Hang in there mama! 💪
Lena Müller
As someone who's been through multiple SDI periods for different conditions, I want to emphasize how important it is to document everything during your work attempt. Keep records of your work dates, any symptoms you experienced, and communications with your employer about your limitations. This documentation can be really helpful if there are any questions about your recurrence claim. Also, don't feel guilty about needing to go back on disability - these work attempts are actually encouraged by the system because they help determine your true work capacity. Your health comes first, and it sounds like you made the right decision to listen to your body and your doctor's advice. Best of luck with getting your benefits reactivated!
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Nia Harris
•This is such excellent advice about documentation! I wish I had known this when I first went on SDI. You're absolutely right about not feeling guilty - I've been struggling with that exact feeling, wondering if I gave up too quickly. But you're right that these work attempts help everyone understand what's realistic. The documentation tip is especially helpful since I didn't keep detailed records during my 2 weeks back at work. I'll definitely remember this for any future situations. Thanks for the perspective and encouragement!
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Colleen White
Hello All, This is a great thread! But I want to suggest that you double-check about the ’90-day’ window. From my experience, as recent as 2026, the EDD's window to have a 'recurrence claim' is actually SIXTY days (not Ninety). I have been a claimant and gone through this process, a few times, as well as working as an HR Manager helping people navigate the disability process. I have been told by three agents at the EDD Disability Dept. that the rule to reopen a previous EDD SDI disability claim is that start of the re-occurrence (the first day that you were unable to work after returning to work) has to be within SIXTY days from the day that you returned to work (and your claim must be for the same condition, or not 'significantly different'). I would suggest that you double-check on this timing before making any plans based on a 90-day window. Also, a little tip about getting through to EDD... This has worked for me (almost) every time: I start calling in to the EDD SDI line about 3-4 minutes before they open (so, about 7:56-7:57 a.m.) I start working my way through all of the steps of the phone tree to actually get to a place where you can request to speak to an agent (on average these first steps take me 2 to 3 minutes). Then, just as the clock strikes 8:00, I hit the key to make the request to speak to an agent. This puts me in the very first handful of people in line to speak to an agent, and each time I have had an agent answer within 5-10 minutes of placing the call. If I got in the queue even a couple of minutes later, at 8:02 or so, the magic was lost, and it hasn't worked. But getting in by 8:01 - 8:15, I have generally gotten the 'opportunity' to wait on hold for an hour or so to speak to an agent, but that's been better than getting the dreaded msg at the end of all of the steps of the phone tree, telling me they were 'too busy and to try calling again another time'. I hope this tip will help you get through to EDD as well. But please don't share this with tooooo many people or it will no longer work… :o) Wishing you all well... Cheers! Colleen White
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