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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!
i had a baby in 2023 and the BEST advice i can give you is document EVERYTHING. time of calls, who you talked to, what they said. because when i finally got thru they tried to tell me different things each time. when i could quote exactly what the last person said they suddenly "found" my paperwork lol
I'm so sorry you're going through this stress during your pregnancy! I just went through something similar last month and wanted to share what finally worked for me. After weeks of getting nowhere with the regular phone lines, I ended up contacting my local state senator's office (not just assembly - try both!). They have dedicated EDD caseworkers who can expedite urgent cases. Since you have preeclampsia concerns and are due in 3 weeks, this definitely qualifies as urgent medical need. When I called, I explained that I was pregnant with complications and hadn't received SDI payments for 6 weeks despite proper documentation. They submitted a priority inquiry that same day, and EDD called ME back within 48 hours to resolve the issue. Turns out there was a glitch in their system that flagged my claim for manual review but no one was assigned to review it. Also, if you haven't already, try logging into your SDI Online account from a different browser or device. Sometimes their website doesn't display all the information properly, and there might be a document request or message you can't see. The representative told me that pregnancy disability claims with medical complications (like preeclampsia) should be processed as priority cases, so definitely mention that when you do get through to someone. Hang in there - you WILL get your money, and it should be backdated to your first day of disability. Focus on your health and that baby! 💕
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! 🙏
whatever u do, DON'T ignore this!! my friend did and ended up owing thousands 😱 deal with it now before it snowballs
I went through something similar about 6 months ago! Turned out their system had a bug that was automatically adding years to recovery dates. The rep I spoke with said it was happening to a bunch of people. The good news is they were able to fix it retroactively once I explained the situation. Just make sure to ask them to put a note in your file about the system error so it doesn't happen again. Also, if you have any medical documentation showing your actual recovery timeline, have that ready when you call - it helped speed up my case resolution.
Alice Fleming
Just wanted to add my experience as someone who recently went through this! I was on pregnancy disability for preterm labor at 32 weeks and had the exact same confusion about certification. Like everyone said, no need to certify - but I did have to update EDD when my baby was born earlier than expected. One tip: keep all your paperwork organized and take screenshots of your SDI Online account regularly. I had a payment delay issue that took weeks to resolve, and having documentation really helped when I finally got through to someone. Also, if you end up needing extended disability beyond what your doctor initially certified (like I did due to complications), make sure your doctor submits the supplemental forms promptly - any delay in paperwork means delay in payments. Wishing you a smooth rest of your pregnancy and delivery! 💕
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Liam Fitzgerald
•Thank you so much for sharing your experience! It's really reassuring to hear from someone who went through something similar. I'll definitely start taking screenshots of my account - that's such a smart tip. I hope everything worked out well with your early delivery and that you and baby are doing great! 💕 This whole thread has been so helpful in easing my anxiety about the process.
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Demi Lagos
As a newcomer to this community, I just want to say how helpful this entire thread has been! I'm currently 24 weeks pregnant and my doctor mentioned I might need to go on disability later in my pregnancy due to some complications. Reading through everyone's experiences has given me so much valuable information about the SDI process that I never would have known otherwise. The fact that you don't need to certify like with unemployment is such a relief to know ahead of time - I definitely would have been panicking about that too! And all the tips about transitioning to Paid Family Leave, keeping documentation, and what situations require notifying EDD are incredibly useful. Thank you to everyone who shared their experiences, especially the detailed summary from Mei Lin. It's so refreshing to find a community where people actually help each other navigate these confusing government processes! I'm bookmarking this thread for future reference.
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