California Disability

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EDD SDI debit card still not arrived after 3 weeks - normal wait time?

Has anyone else experienced super long wait times for their EDD SDI debit card? I got approved for state disability on April 3rd (yay!), and they told me I'd receive my BOA debit card within 7-10 business days. Well, it's been over THREE WEEKS now and still nothing in my mailbox. I'm starting to get really nervous because my rent is due next week and I was counting on these funds. I've already used up most of my savings during my recovery from surgery. I checked my SDI Online account and it shows payments have been issued, but what good is that if I can't access the money? Does anyone know if there's a way to track the card or expedite a replacement? Maybe it got lost in the mail? I'm worried about calling EDD because I've heard horror stories about wait times.

Does anyone know if there's a way to just get direct deposit instead of dealing with these annoying debit cards? I'm about to file for pregnancy disability next month and I'd really prefer not to deal with any card delays.

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Unfortunately, California EDD still uses the Bank of America debit card system as their only payment method. Once you get the card, you can set up automatic transfers to your regular bank account, but initially, everyone gets a card. Some other states have direct deposit options, but not California (at least not yet).

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UPDATE: My replacement card arrived today! Only took 4 days with the expedited shipping. I was able to activate it right away and transfer the funds to my regular checking account. For anyone else dealing with this issue, definitely call Bank of America EDD department directly (1-866-692-9374) rather than trying to go through EDD. Thanks everyone for your help and suggestions!

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That's great news! Glad it worked out for you. Thanks for updating us!

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EDD SDI/PFL mix-up after maternity leave - facing repayment demand

I'm so stressed about my disability claim situation. Had my baby in January 2025 and went on regular SDI maternity leave through the end of April. My OB released me as recovered on 4/30/25, but I was struggling with severe postpartum anxiety, so I applied for Paid Family Leave (thinking that was the right next step) from 5/1/25 to 5/18/25. Then my psychiatrist diagnosed me with severe postpartum depression and put me on a new disability claim starting 5/19/25 through 9/19/25. Here's where it got messy - my psychiatrist was upset that I'd applied for PFL because she wanted to date my disability from 5/1/25 (right after my OB released me) and make it continuous, but she couldn't backdate it since I'd already been approved for PFL. I've been sending paperwork for MONTHS trying to sort this out. I finally reached an EDD rep who initially threatened I'd have to go to court, then changed their tone saying this happens all the time with new mothers, but I'll have to repay the PFL benefits (about $2,800). Has anyone dealt with this weird overlap between PFL and mental health disability after pregnancy? What forms do I actually need? The repayment is going to be financially devastating right now.

One more important thing - make sure you request the payment plan BEFORE the due date on your overpayment notice. If you miss that deadline, they can start collection activities including garnishing any current benefits you're receiving. Also, the appeals process (if you go that route) can take 2-3 months, so plan accordingly for your finances in the meantime. If you win the appeal, they would refund any payments you've already made toward the overpayment.

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The due date is only 2 weeks away, so I need to move quickly. If I start the appeals process, does that automatically pause the collection while it's being decided, or do I still need to make payments during that time?

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this happened to my cousin and she said just ignore it and they eventually stopped sending letters lol but probably not the best advice

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Please don't ignore EDD overpayment notices. They can and will garnish wages, tax refunds, lottery winnings, and even pursue legal action. The state has up to 7 years to collect on these debts, and they don't just go away. Always address these issues properly through official channels.

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EDD SDI payment delay to BofA card - how many days until funds appear?

I just got my first electronic benefit payment notification from EDD this morning (woohoo!) but I'm confused about when I'll actually see the money. I have an older BofA EDD debit card from a previous claim years ago. I logged into the BofA app to check my balance, but it still shows $0.00. Is there typically a delay between getting the notification and when the funds actually become available on the card? I need to pay rent next week and I'm getting anxious. Does anyone know how long this usually takes? Thanks in advance!

UPDATE: The money just appeared on my card this morning! So it took about 36 hours from notification to funds being available. Thanks everyone for your help and reassurance!

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That's great news! Glad it worked out for you! ๐Ÿ‘

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This happened to me last month when I got my pregnancy disability payment. My old card from 2023 still worked fine but I had to transfer the money to my regular bank account because the BofA app is sooooo glitchy. Just FYI you can set up direct transfers in the app so you don't have to keep checking the BofA balance!

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That's a great tip about setting up direct transfers! I'll definitely do that so I can move the money to my regular checking account. How long did the transfer usually take to process?

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Mine usually takes 1-2 business days for transfers. Sometimes it's faster though!

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EDD SDI pregnancy disability deposits delayed - Bank of America card issues?

I'm 28 weeks pregnant and on disability through SDI. My payment was supposed to be deposited onto my BoA EDD debit card yesterday but nothing's shown up yet. My EDD online account isn't showing any updates either - still says 'paid' with yesterday's date. Is anyone else having this problem? I can't tell if it's an EDD processing delay or something going on with Bank of America's system. I really need this payment for my doctor appointment tomorrow. Getting really stressed which isn't good for the baby!

Quick update - my wife's payment just posted to her BofA card about 10 minutes ago. Looks like they're starting to process the backlog. You might want to check your account!

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OMG THANK YOU! Just checked and mine came through too!! What a relief. Going to look into switching to direct deposit though so this doesn't happen again.

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For anyone dealing with this issue in the future, I recommend setting up a buffer in your budget if possible. Pregnancy disability payments through SDI are unfortunately prone to these kinds of delays. When I was on pregnancy disability with my second child, I made sure to keep at least one payment's worth of expenses in savings as a buffer. I know that's not possible for everyone, but it really helped reduce my stress levels when these inevitable hiccups happened.

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some of us living paycheck 2 paycheck cant do that but good advice if u can

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Doctor submitted SDI paperwork on Feb 28 - how much longer for payment approval?

I just got a notification that EDD received my doctor's portion of my disability claim on February 28th. This is my first time applying for SDI benefits and I'm starting to get really worried about finances. Does anyone know approximately how much longer I should expect to wait before finding out if my claim is approved? And after approval, how quickly do payments typically arrive? My rent is due on the 15th and I'm getting pretty anxious. I've tried calling EDD multiple times but can't get through to anyone who can answer my questions.

Anyone know if they process claims on weekends? Or is it just business days?

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EDD generally only processes claims during business days. They might run some automated systems over weekends, but the actual claim review happens Monday-Friday. That's why counting business days rather than calendar days is more accurate when estimating processing times.

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Update: I just checked my account and it changed from "pending" to "paid" status! Looks like it took exactly 13 business days from when they received the doctor's certification. Thanks everyone for your help and suggestions. Such a relief to see movement on this!

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Congrats!! Now the waiting game for the money to hit your account. For me it was 2 days after status changed to paid.

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Thanks! I have direct deposit set up so hopefully it's quick. I'll update again when I receive the payment.

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