


Ask the community...
I'm in the exact same boat right now and this thread has been absolutely incredible! I have a private disability policy that I've been paying for independently for the past 2 years, and when I got to that employer wages question on the DE 2593 form, I honestly had no clue what they were looking for. Reading through everyone's real experiences has been such a huge relief - it's clear that the key is transparency and making absolutely sure EDD understands that your payments are from YOUR private policy, not employer-provided benefits. The consensus approach of answering "No" to the employer wages question but then providing super detailed explanation in the additional comments makes perfect sense. What I'm planning to do based on all this great advice: 1. Answer "No" since it's genuinely not employer wages 2. Write in comments: "Receiving $XXX monthly from private disability insurance policy #[number] with [company]. This is personal coverage I purchased and pay for independently - NOT employer-sponsored benefits." 3. Get that documentation from my insurance company like so many of you suggested 4. Include my policy declaration page @Diego Mendoza - thank you so much for asking the question that clearly so many of us needed answered! This community support has been amazing. Based on all these success stories, it sounds like we just need to be honest, thorough, and well-documented. The fact that multiple people have navigated this exact situation successfully using transparency gives me so much confidence. We've definitely got this! 💪
@Amara Okafor your four-step plan sounds perfect! I m'also new to this whole EDD process and was feeling completely lost until I found this thread. It s'incredible how many of us have been dealing with this exact same confusion about private disability insurance vs employer wages. Reading through everyone s'success stories has been such a game changer - it really shows that EDD just wants transparency and clear documentation rather than trying to trick us. Your approach of being super detailed in the comments section while backing it up with official documentation from your insurance company is spot on. I m'definitely going to follow the same path for my situation. Thanks to everyone who s'shared their real experiences here - this community support has turned what felt like an overwhelming bureaucratic maze into something totally manageable! 🙏
Hey @Diego Mendoza! I literally just submitted my DE 2593 form yesterday after dealing with this exact same situation, so your timing is perfect! 😅 I was getting payments from a private disability policy I've had for about 3 years (completely separate from any employer benefits) and was totally stumped by that employer wages question too. After reading through all the incredible advice in this thread, I went with what seems to be the proven approach: 1. Answered "No" to the employer wages question since it's genuinely not coming from my employer 2. In the additional comments section, I wrote: "Receiving $XXX monthly from private disability insurance policy #[policy number] with [insurance company name]. This is personal coverage that I purchased and pay premiums for independently - NOT employer-provided benefits." 3. I attached my policy declaration page showing I'm the policyholder 4. I also got a confirmation letter from my insurance company stating that I own the policy and pay all premiums myself I just got the confirmation email that my form was received and processed - no red flags or follow-up questions so far! The key really is being crystal clear that it's YOUR private policy, not employer-sponsored coverage. This community has been absolutely amazing with all the real-world advice. Don't stress too much about it - you're asking all the right questions and clearly want to handle this correctly. Based on everyone's success stories here, transparency and good documentation are definitely the way to go. You've totally got this! 💪
@Malik Davis wow, thank you for sharing such a fresh experience! It s'amazing that you literally just went through this process - your timing is perfect for helping all of us who are dealing with this right now. I m'so relieved to hear that your form was processed smoothly with no issues. Your four-step approach is exactly what I m'going to follow for my situation. I especially love that you got that confirmation letter from your insurance company - that s'such solid backup documentation! Reading through this entire thread has been incredible, but hearing from someone who just completed the process successfully yesterday gives me the final confidence boost I needed. This community really is amazing for providing real-world guidance when the official forms are so confusing. Thanks for taking the time to share your experience - you ve'definitely helped ease my stress about this whole situation! 🙏
I'm with KeyBank and have been on SDI for about 4 months now. My payments consistently hit at 2:15am the morning after showing "paid" on the EDD portal. What I found really helpful was calling KeyBank's customer service line and asking specifically about their ACH processing schedule for government benefits - the rep told me they have a dedicated batch that runs between 1:30-3:00am for these types of deposits. Like others have mentioned, my first payment took about 40 hours to show up, but every payment since then has been incredibly reliable with that 2:15am timing. One tip that saved me a lot of stress - I set up a custom notification in their mobile app for any deposit over $300, so I get alerted right when it hits even in the middle of the night. For anyone just starting their disability claim, definitely track your first 3-4 payments to establish the pattern. The consistency really does become amazing once your bank's system recognizes the EDD deposits!
That's really helpful information about KeyBank's processing schedule! The 2:15am timing sounds very consistent with what most traditional banks seem to do with their overnight ACH batches. I'm impressed that you got such specific details from their customer service about the 1:30-3:00am window for government benefits - that's exactly the kind of information that can really reduce anxiety about when to expect payments. The $300 notification threshold is smart too, especially for disability payments which tend to be in that range. I'm just starting my disability journey and reading everyone's experiences here has been incredibly educational. It's amazing how precise these systems become once they establish the pattern - your 2:15am consistency is a perfect example. Thanks for adding your KeyBank experience to this comprehensive thread!
I've been on SDI for about 14 months now with First Republic Bank (before it became JPMorgan Chase) and wanted to share my experience since this thread has been so comprehensive! My payments have consistently hit at 1:38am the morning after showing "paid" - it's been that exact time for over a year now, which still amazes me. During the bank transition from First Republic to Chase, I was worried my deposit timing might change, but it's remained exactly the same. One thing that really helped me early on was setting up account alerts not just for deposits, but also for when my account balance reaches certain thresholds. This way I know immediately when the payment clears, even if I'm sleeping. I also discovered that Chase's customer service can tell you about "pending government deposits" up to 48 hours before they post, which has been incredibly helpful during the few times I've had anxiety about delayed payments. Just ask them to check for pending ACH transactions from "EMPLOYMENT DEVELOPMENT DEPT" - they can usually see it in their system even when it doesn't show in your online banking yet. For anyone new to disability benefits, I can't stress enough how important it is to track those first few payments. After 14 months, I can literally set my watch by when these deposits hit. The consistency becomes such a relief when you're already dealing with health issues and financial stress!
I'm new to this community and unfortunately joining because I'm facing the exact same frustrating situation! I mailed my disability application 3 weeks ago and have been completely unable to get through to anyone at EDD. The phone system is absolutely broken - I've tried calling at different times, used redial repeatedly, and even had family members try calling from their phones thinking maybe there was some kind of block on my number. Reading through this entire thread has been both incredibly helpful and eye-opening. I had no idea that: - Physical EDD offices can't help with disability claims - Mailed applications need manual entry before showing up online - Assembly members have dedicated EDD liaisons who can actually cut through the red tape The success stories from people who contacted their assembly member's office are really encouraging. @Laura Lopez and @Zachary Hughes, your experiences give me hope that there's actually a way through this bureaucratic maze! I'm definitely going to contact my assembly member's office next week if my Ask EDD messages don't get responses. It's frustrating that we have to become advocates and detectives just to get basic information about our own disability claims, but I'm so grateful this community exists. Thank you to everyone who shared their experiences and solutions - you've created an invaluable resource for people stuck in this broken system. I'll make sure to update when I make progress!
Welcome to the community, Madison! I'm also new here and going through the exact same frustrating experience - it's both comforting and maddening to see how many of us are stuck in this broken system. Your timeline of 3 weeks is still early compared to some others here, but I totally understand the anxiety of not knowing what's happening with your application. This thread has been absolutely invaluable - I've learned more practical information here than from weeks of trying to navigate EDD's official channels. The assembly member route really does seem like the secret weapon that actually works. @Zachary Hughes s'real-time update about contacting his assembly office yesterday was particularly encouraging! I m'bookmarking all these strategies for when I inevitably need them. It s'ridiculous that we need a community support network to figure out how to access our own benefits, but I m'grateful we found each other. Keep us posted on your progress - every success story helps others know what actually works!
I'm new to this community but unfortunately here because I'm dealing with the exact same frustrating situation as everyone else! I mailed my disability application 4 weeks ago and have been completely shut out by the phone system - it's like they designed it to prevent people from actually getting help. This thread has been a goldmine of practical information that I couldn't find anywhere else. The explanation about mailed applications needing manual entry before appearing online finally makes sense of why my claim shows as "not found" when I try to create an SDI Online account. I had been panicking thinking my application was lost! Based on all the success stories here, I'm planning to: 1. Send detailed Ask EDD messages starting today (with timeline, full name, last 4 of SSN) 2. Contact my assembly member's office next week if no response 3. Document everything as suggested The assembly member liaison option seems like the real game-changer based on @Laura Lopez and @Zachary Hughes' experiences. It's incredible that this resource exists but isn't widely known! I'm also going to try the 2-1-1 phone trick that @Logan Chiang mentioned, though honestly the assembly route sounds more promising at this point. Thank you to everyone who shared their experiences and solutions - you've created a support network that EDD clearly isn't providing. I'll definitely update with my progress to help others in the same boat!
Welcome to the community, Liam! I'm also new here and dealing with this same nightmare - it's both reassuring and infuriating to see how many of us are stuck in the exact same broken system. Your 4-week timeline puts you right in that frustrating middle zone where you're past the initial "be patient" period but not yet at the panic stage. This thread has been absolutely incredible for understanding what's actually happening behind the scenes with these mailed applications. The manual entry explanation was a huge relief for me too - I had been convinced my application was sitting in a lost mail pile somewhere! Your action plan sounds solid, especially prioritizing the assembly member route. The consistent success stories from that approach really stand out compared to the hit-or-miss results from other methods. It's crazy that we need to become experts in navigating bureaucracy just to access benefits we're entitled to, but at least we're figuring it out together. Definitely keep us posted on how the Ask EDD messages and assembly member contact go - every update helps the rest of us know what's actually working!
I'm new to this community and currently going through my first SDI claim! Filed just 2 days ago and was completely bewildered by the "pending medical provider form" status - I genuinely thought EDD would be mailing me forms to take to my doctor. This thread has been absolutely invaluable! Reading everyone's experiences made me realize that my doctor needs to submit their part through the SDI Online physician portal and that EDD rarely notifies them automatically. It's honestly shocking how unclear EDD makes this whole process for first-time applicants. I called my doctor's office this afternoon with my receipt number and all the details mentioned here. Sure enough, they had zero knowledge of my claim and seemed confused about the physician portal initially. Once I specifically mentioned "SDI Online physician portal" and explained the process based on what I learned from this community, their medical billing specialist understood immediately and confirmed they'll submit the medical certification tomorrow. The 2-3 week timeline everyone has shared once the doctor submits is such a relief - I was genuinely worried this could drag on for months and was starting to stress about my bills. I've already set up text alerts in my SDI account and will be checking daily for status updates like everyone recommended. Thank you all for sharing your real experiences and filling in the massive communication gaps that EDD leaves! This community is making what should be a straightforward process actually manageable for newcomers like me. I'll definitely update with my timeline once things start moving!
I'm new to this community and just filed my SDI claim yesterday! This thread has been absolutely incredible - I was completely confused about the "pending medical provider form" status and like everyone else here, I thought EDD would mail me something to take to my doctor. Reading through all your experiences has been such an eye-opener! I had no idea my doctor needs to submit their part through the SDI Online physician portal or that EDD doesn't reliably notify them. It's pretty frustrating that this isn't clearly explained during the filing process. I'm calling my doctor's office first thing tomorrow morning with my receipt number, full name, and DOB based on all the great advice here. From what everyone's shared, I'm prepared for them to be confused initially about the physician portal, but hopefully they can figure it out quickly. The 2-3 week timeline most people have mentioned once the doctor submits is really reassuring - I was starting to panic thinking this might take months. I'll definitely set up those text alerts and check my account daily for status updates. Thank you to everyone who shared their real experiences and timelines! This community is filling in all the gaps that EDD should have explained upfront. It's making this whole confusing process so much more manageable for first-time filers like me. I'll update once I hear back from my doctor's office!
Emma Johnson
I'm going through the exact same thing right now! My claim switched to 'qualification' status about 2 days ago and I was totally stressing about it, thinking I had messed something up on my application. After reading through all these comments though, it's such a relief to know this is actually just their standard review process and not a red flag! The fact that you have a new payment issued is definitely encouraging - from what everyone's sharing, it sounds like they've already processed your payment and are just doing their final verification checks. I'm definitely going to follow the advice here about checking my spam folder thoroughly and taking screenshots of everything in my account just in case. Thanks so much for posting this @Ethan Brown - it's incredibly helpful to know we're not alone in trying to navigate EDD's confusing system! Really hoping both of our situations get resolved quickly 🤞
0 coins
Zoe Papadakis
I'm going through the exact same thing right now! My claim has been showing 'qualification' status for about 5 days and I was getting really anxious about it, thinking maybe I had done something wrong with my application. After reading through all these comments though, it's incredibly reassuring to know this is just part of EDD's normal review process and not something to panic about. The fact that you have a new payment issued is definitely a good sign - from what everyone's sharing, it sounds like they've already approved your payment and are just doing final verification. I'm going to follow the advice here about checking my spam folder and taking screenshots of everything. Thanks for posting this @Ethan Brown - it's such a relief to know we're not alone in navigating this confusing system! Really hoping both of our situations get resolved soon 🤞
0 coins