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Just wanted to add that you should also consider the timing of when to file your SDI claim. I'd recommend filing it about a week before your surgery date so there's time for initial processing. The 7-day waiting period starts from when your doctor certifies you as disabled (usually the surgery date), not when you file the claim. Also, keep copies of everything you submit - the medical certification, your application, any correspondence. If there are any issues or delays, having your own records makes it much easier to resolve problems. I learned this the hard way when my claim got stuck in processing for weeks and I had to re-submit documents that supposedly got "lost in the system.
This is really solid advice about filing a week early! I hadn't thought about the processing time vs. the waiting period timing. Quick question - when you say "keep copies of everything," do you mean I should screenshot the online forms before submitting, or is there a way to download/print them from the SDI portal? I want to make sure I'm documenting things properly from the start.
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I just went through this last month! Your money is definitely still being deposited - the expired card just blocks your access to it. I called the BofA EDD number (1-866-692-9374) and they sent a replacement card right away. One thing that really helped me was setting up text alerts through the BofA prepaid website before my card fully expired. Even though I couldn't use the physical card, I could still see when deposits hit my account, which gave me peace of mind while waiting for the new card. The whole process took about a week with regular shipping, but like others mentioned, you can pay for expedited delivery if you need it faster. Just make sure to activate your new card as soon as it arrives - that part is super important! Congrats on getting approved for SDI! The hardest part is behind you now.
Thank you for the encouragement and the tip about text alerts! I didn't think about setting those up but that would definitely help with peace of mind. I'm calling BofA today to get the replacement card process started. It's such a relief to know so many people have been through this same situation and that the money is safe. Really appreciate everyone sharing their experiences here - this community is amazing!
I'm dealing with this exact situation right now! My card expired in February and I was so worried when I saw my first payment marked as "paid" but couldn't access it. Called the BofA EDD number this morning and they confirmed the funds are safe in my account - just need to wait for the replacement card. The rep told me it's happening a lot lately because so many people are returning to disability claims after cards from 2022-2023 have expired. She said they're processing tons of replacement card requests right now. One helpful thing she mentioned - if you're really desperate for access to funds while waiting for the new card, you can sometimes get a temporary debit card issued at certain BofA branches, though not all locations offer this for EDD accounts. Might be worth calling ahead to ask if your local branch can help. Hope this helps ease some anxiety - sounds like we're all in the same boat with expired cards! The money is definitely there waiting for us.
Thanks for sharing this! It's really comforting to know I'm not the only one dealing with expired cards from old claims. I never thought about how many people would be in this same situation with cards from 2022-2023 expiring now. That's a great tip about calling BofA branches ahead of time to see if they can issue temporary cards - I might try that if the replacement takes too long to arrive. It's such a relief to hear from someone who just went through this today and got confirmation that the funds are safe!
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I just went through this same situation 4 months ago and can confirm what everyone else is saying - you cannot delay SDI benefits after delivery. I had the exact same misconception initially! What helped me was understanding that SDI pregnancy benefits are structured in two distinct phases: 1. Pre-delivery disability (up to 4 weeks before due date) - this part IS optional 2. Post-delivery recovery disability (6-8 weeks after birth) - this part is NOT optional and must start at delivery The key insight is that once you give birth, you're automatically considered medically disabled for recovery purposes. Your doctor will certify this disability period, and EDD requires you to claim benefits starting from your delivery date if you're taking any time off work. However, I found a great solution working with my HR department: they coordinated my company's paid leave with SDI through "concurrent benefits." During my 8-week recovery period (I had a C-section), I received both SDI payments AND my company topped up the remaining amount to reach my full salary. This gave me the best of both worlds without any timing games. My suggestion: Schedule a meeting with HR and ask specifically about "concurrent benefits" or "wage supplementation during SDI." Most established companies have policies for exactly this situation. You'll likely end up with better total compensation than trying to sequence the benefits separately, plus you avoid any risk of EDD issues. The system really is designed to work together - I just wish someone had explained it to me this clearly from the start!
This is exactly the kind of detailed explanation I needed! Thank you so much for breaking down the two distinct phases - that really helps me understand why the post-delivery part isn't flexible. The "concurrent benefits" approach sounds perfect for my situation, and I love that you got your full salary while still getting all the state benefits you're entitled to. I have a meeting with HR scheduled for Friday and I'm going to ask specifically about wage supplementation during SDI. It's such a relief to know that this is a common situation that most companies have already figured out how to handle. I was making myself so stressed trying to optimize something that already has a standard solution! Thanks for sharing your experience - it's incredibly helpful to hear from someone who just went through this process successfully. Congratulations on your little one!
I'm so glad I found this thread! I'm 32 weeks pregnant and was having the exact same confusion about timing SDI benefits. Reading through everyone's experiences has been incredibly enlightening. Just to add my perspective as someone currently navigating this - I met with my HR representative last week after initially thinking I could delay SDI, and they confirmed what everyone here is saying. Our company has a "benefit coordination" policy where they supplement SDI payments to bring you up to 100% salary during the disability period. What I found really helpful was asking HR for a written timeline showing exactly how the benefits work together. They gave me a document that breaks down: - Weeks 1-6 post-delivery: SDI + company supplementation = full salary - Weeks 7-14: Paid Family Leave for bonding - Additional weeks: Company's separate parental leave policy (if applicable) I think the key thing I learned is that most established companies have already figured out how to coordinate state and company benefits optimally. We don't need to game the system - the system is designed to work together! For anyone else in this situation: definitely ask your HR for a written breakdown of how your specific company coordinates benefits. It takes all the guesswork out of it and helps you plan your finances properly. Thanks to everyone who shared their experiences here - this community is so valuable for navigating these complex systems!
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Yo finalmente recibí mi pago ayer, después de 5 semanas de espera. No pierdan la esperanza, amigos!
Felicidades! 🎉 Cómo se siente ser rico? 😂
Jaja, rico no, pero al menos puedo pagar el alquiler este mes 😅
Yo acabo de recibir mi primer pago después de 6 semanas de espera! Lo que más me ayudó fue llamar múltiples veces al día hasta que alguien contestara. También recomiendo verificar que su información bancaria esté correcta en el sistema - aparentemente ese fue parte del problema en mi caso. No se rindan, eventualmente llega! 💪
¡Qué buenas noticias, Mateo! Me da mucha esperanza saber que finalmente recibiste tu pago. Definitivamente voy a revisar mi información bancaria en el sistema - no había pensado en eso. ¿Recuerdas más o menos a qué hora del día tuviste más suerte llamando? Estoy dispuesto a intentar todo lo que sea necesario. Gracias por compartir tu experiencia! 🙏
Paolo Moretti
Hi Luke, I'm sorry to hear you're dealing with this frustrating situation. The timing sounds really unfortunate - having your benefits stop right after getting a permanent disability determination must be stressful. A few thoughts that might help: 1. It sounds like there may be a processing delay or miscommunication since your doctor already submitted the 2525xx form and you can see it was received. You might want to call EDD directly to clarify the status and let them know the form was already submitted. 2. Sometimes the automated system sends out notices even when paperwork is already in process. The fact that you can see the form in your physician documents is a good sign. 3. Keep documentation of everything - screenshots showing the form was received, dates, confirmation numbers if you have them. 4. If calling doesn't resolve it quickly, consider reaching out to your local assembly member's office - they often have staff who can help navigate EDD issues. Hopefully this gets cleared up soon once they process the paperwork that's already been submitted. The bureaucracy can be slow but persistent follow-up usually helps. Good luck!
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Kai Santiago
•@Paolo Moretti has great advice here! I wanted to add that I went through something similar last year. The 2525xx form processing can take 2-3 weeks even when submitted correctly, and unfortunately benefits often stop automatically when the return-to-work date hits, even if you ve'already filed for continuation. @Luke Chewy - One thing that helped me was asking the EDD rep to put a note in my file about the permanent status change and that the form was already submitted. Also, if you have your doctor s office,'they might be able to fax a copy directly to the disability determination unit with URGENT - "CONTINUATION ALREADY SUBMITTED on the" cover sheet. The good news is that if approved, they should backdate the payments to when they stopped. It s frustrating'but hang in there!
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