California Disability

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EDD SDI after COBRA ends - need answers ASAP!

I'm freaking out about my situation. My employer just informed me I'm being laid off next month. I've been dealing with some serious back issues (degenerative disc disease) and was planning to file for SDI soon, but now I'm worried about how COBRA and SDI interact. If I go on COBRA to keep my health insurance ($1,350/month!!!), does that affect my ability to file for disability? Do I need to file for SDI before my employment ends or can I do it while on COBRA? Has anyone navigated this nightmare before? I'm so confused about the timing of everything and really need this disability coverage since I'm having surgery scheduled for July.

To address your follow-up question about informing EDD of your layoff: Yes, you should accurately report your employment status and last day of work when filing. This won't affect your SDI eligibility if you've paid into the system, but it helps them process your claim correctly. Also, keep track of all communication with EDD. Document who you speak with, when, and what was discussed. This can be invaluable if there are any issues with your claim later.

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Perfect, thanks! I'll make sure to keep detailed notes of everything. Really appreciate all the helpful advice everyone has provided.

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Just want to add one more piece of advice from someone who went through this exact scenario - don't panic about the timing! I was laid off while dealing with a chronic condition and was terrified about losing everything. Here's what I wish I'd known: Your SDI eligibility is locked in based on your work history, not your current job status. As long as you've been paying into SDI through payroll deductions, you're covered. I filed for SDI about 2 weeks after my layoff (once my doctor confirmed I couldn't work) and had no issues. The COBRA vs Covered California decision can wait a bit - you have 60 days to elect COBRA from your qualifying event. Use that time to compare costs and see what your SDI benefit amount will be. Sometimes the Marketplace plans are way better financially, especially with the lower income from disability benefits. Stay strong - the system actually does work once you navigate through all the paperwork and waiting periods!

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EDD disability claim filed 4 weeks ago - no claim ID received and can't get through by phone

I submitted my disability claim on January 5th after a car accident left me with herniated discs and unable to work. My doctor filled out all the medical certification parts right at their office, and we mailed everything together. It's been almost a month now, and I haven't received ANYTHING from EDD - no letter, no claim ID, nothing! When I try calling, the automated system asks for my claim ID and last payment amount which I obviously don't have yet. I'm getting really worried as my savings are almost gone and my rent is due next week. Is my application lost? Is there a way to check the status without a claim ID? How can I actually speak to a human at EDD to find out what's happening with my claim?

Update on what worked for me: after creating my SDI Online account and still seeing nothing after a week, I called my doctor's office to check if they had received any requests from EDD. Turns out EDD HAD contacted them for additional information, but the doctor's office hadn't responded yet. Once they sent in the additional info, my claim started processing. Maybe check with your doctor to see if something similar happened?

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Thank you for the update! I called my doctor's office this morning after reading your comment yesterday, and guess what? They DID receive a request from EDD for additional medical documentation last week but hadn't processed it yet. They're sending it today. I never would have known without your suggestion. Thank you so much!

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That's fantastic news! I'm so glad you found out what was holding up your claim. This is exactly why I always recommend checking with your doctor's office - they often receive requests from EDD that the claimant never knows about. Once they send in that additional documentation, your claim should start moving through the system much faster. Keep checking your SDI Online account over the next few days, and hopefully you'll see some progress soon. Thanks for updating us - this will definitely help other people who find themselves in the same situation!

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Need to report early return to work date on SDI Online - help please!

I'm currently on temporary disability and have been receiving SDI benefits since November. My doctor originally wrote that I could return to work on January 15, 2025, but now my employer wants me back on January 11th (4 days earlier). I'm definitely ready to go back, but I don't want to accidentally commit fraud by getting paid SDI benefits for days I'm actually working. How do I update this information in SDI Online? Is there a specific form I need to fill out or someplace in my account where I can report my actual return-to-work date? I've looked around in my SDI Online account but can't find anything obvious. Has anyone dealt with this situation before?

Glad you got it worked out! Make SURE you save that confirmation page or number. I'd even take a screenshot as proof you reported it correctly. EDD has been known to make "mistakes" on their end and then blame the claimant. Better safe than sorry!

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That's good advice - I took screenshots of the confirmation page and also the updated claim information page showing my new return to work date. I've learned my lesson about documenting everything when dealing with government agencies!

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Great that you got it sorted out! For future reference for anyone reading this thread, another tip is to also send yourself an email with the confirmation details and date you reported it. That way you have a timestamped record in case there are any discrepancies later. The EDD system can be glitchy sometimes, so having multiple forms of documentation never hurts. Hope your return to work goes smoothly!

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SDI payment not in bank account - need advice on confirming details

Hey everyone, I'm having an issue with my SDI payment. I was supposed to receive it today, but it's not showing up in my bank account. I've checked for pending transactions, but there's nothing there. Has anyone else experienced this? I'm thinking about calling to confirm my bank details, but I'm not sure what else I should ask or do. Any advice would be appreciated!

Not to freak you out, but make sure it wasn't fraud. My cousin had her SDI payments redirected to a scammer's account last year. It was a whole mess to sort out.

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Oh no, that sounds awful! I'll definitely ask about that when I call. Thanks for the heads up!

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Just went through this exact same situation last week! My payment showed as processed on the SDI website but didn't hit my account for 4 days. Turns out my bank had some internal processing delays they didn't tell me about. I'd suggest calling both SDI AND your bank to cover all bases. Also, if you have online banking, check if there's a separate "pending deposits" section - mine showed up there before it actually posted to my account balance. Hope this helps and you get it sorted soon! ๐Ÿคž

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SDI claims I returned to work and overpaid me, but I just used sick leave. Help!

I'm in a mess with disability insurance. They say I owe money cuz I supposedly went back to work, but I didn't! I just used some sick leave during the waiting period. Now they want me to fill out some form that I can't even find online. Anyone dealt with this before? How do I fix this without getting hit with fines?

Quick question - did you report your sick leave payout to them? Sometimes that can trigger these notices if they think it's regular income.

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Ava Kim

Author

I did report it, but I think that's where the confusion started. They seem to have interpreted it as me returning to work. ๐Ÿคฆโ€โ™‚๏ธ

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Ah, classic mixup. Definitely explain that in your appeal. Good luck!

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I've been through this exact situation! The key is getting them to understand the difference between using accrued sick leave and actually returning to work. Here's what worked for me: 1. Get a letter from your employer explicitly stating you were still on disability leave and only used accrued sick time 2. Submit payroll records showing the sick leave deduction vs regular wages 3. File a formal reconsideration request (not just an appeal) - this gets reviewed by a different department The form you're looking for is probably the DE 4365DI or DE 8714A depending on your specific situation. Call and ask them to mail it if you can't find it online. Don't wait too long - you usually only have 30 days from the notice date to respond. Stay strong! ๐Ÿ’ช

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