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I've been self-employed for about 18 months now, but before that I worked at a regular W2 job for 6+ years where I had disability insurance deductions taken out of every paycheck. I'm scheduled for a C-section in mid-September and trying to figure out my options. I know about Paid Family Leave for bonding, but I'm confused about the pregnancy disability part. Since I previously paid into SDI for years before becoming self-employed, am I still eligible to file for disability benefits for my recovery period after the C-section? Or does that eligibility expire once you stop working for an employer? And if I am eligible, do I need to file for disability first, then switch to PFL for the bonding period? The EDD website is so confusing! Anyone with experience navigating this as someone who switched from employed to self-employed would be super helpful!
I've been receiving SDI benefits since my surgery in July, and my claim officially ends tomorrow (10/28/2025). My last payment was on 10/21 (I get paid biweekly). Will EDD automatically send me a payment for these final 7 days or do I need to do something special? Also, I need to care for my mom who's having her own surgery next week - will EDD automatically send me the PFL application through SDI Online after my disability period ends, or do I need to request it somewhere? First time dealing with this transition and worried about a gap in benefits since I can't return to work yet. Thanks for any help!
I just went through this exact situation in August! Yes, you'll get your final partial payment automatically - mine came about 10 days after my SDI ended. For the PFL transition, definitely don't wait until your SDI ends to apply. I made that mistake and had a 3-week gap with no income while waiting for approval. Also important: your weekly benefit amount might be different for PFL than what you were getting for SDI. Mine decreased by about $75/week which I wasn't expecting. Just something to budget for!
random question but does anyone know if bonding with baby PFL is different than caring for family member PFL? having baby next month but confused about all this
Yes, they're different subcategories of PFL. Bonding claims are generally simpler as you just need proof of relationship (birth certificate). For care claims like the OP is asking about, you need medical certification of the family member's condition. Same benefit amounts though, and both are accessed through the same PFL application process.
I'm at my wits end with this situation. Back in July 2023, I had to get knee reconstruction surgery and filed for SDI benefits. Everything seemed fine until I realized my claim was stuck in processing. After logging into SDI Online, I discovered EDD kept saying they were 'waiting for employer verification'. Here's where it gets ridiculous - I've worked at the same company for 8 years, our HR department swears they never received ANY requests from EDD, and I've sent in THREE separate employer verification forms myself! Every time I call EDD, I get transferred around until someone tells me 'we'll resend the verification request' but then nothing happens. It's been over 8 months now, and my claim has actually EXPIRED in the system. I can't even access it on the portal anymore to check status. The medical bills are piling up, and I'm out thousands in lost wages. Has anyone successfully revived an expired disability claim? Or found a way to make EDD actually communicate with employers? I'm desperate for any advice at this point!
this is why i HATE the edd!!! they did the same thing to my mom after her hip surgery!!! the system is BROKEN and they dont care about disabled people at all!!! we pay into this system our whole lives and then when we need help they ghost us and make everything IMPOSSIBLE!!! ๐ก๐ก๐ก
Quick update based on some of the comments here: 1. You absolutely CAN revive an expired claim in many cases, especially when there were verification issues 2. Make sure to address your appeal to the "SDI Appeals Board" specifically, not just general EDD 3. If using the assembly member route, ask specifically for help with a "claim verification failure resulting in expiration" 4. Document EVERYTHING from this point forward - names, ID numbers, dates, and summaries of all conversations 5. When explaining your situation, use the phrase "ongoing attempts to resolve verification issues" as this specific language helps demonstrate good cause for late processing The verification loop between employers and EDD is unfortunately common. I'd suggest trying both the assembly member AND appeals approaches simultaneously for the best chance of resolution.
I'm beyond frustrated with EDD right now. My partner just got denied for SDI benefits after being in a substance abuse treatment program for 11 weeks, and the reason makes NO sense. The denial letter states the rehab facility 'isn't certified in California' - but the facility IS 100% certified and licensed in California (and ONLY operates in California)!\n\nWe called EDD and got transferred to a specialist who claimed their system shows the facility IS licensed but 'not certified' - whatever that means? The rehab's case manager is completely confused because they have MANY other patients who receive SDI benefits while in their program without issues.\n\nThe facility thinks EDD might be using their old address from when they relocated last year, but even after they called to provide their current license/certification numbers, EDD still claims there's a certification issue.\n\nThis is 11 weeks of desperately needed benefits (around $8,200) that we're being denied for what seems like a clerical error. Has anyone dealt with this kind of bizarre denial reason? Should we appeal? Is there any specific documentation we should request from the facility to prove they're certified? I'm at my wit's end here.
The expedited appeal form is actually DE 6305, and you're absolutely right that it can significantly speed up the process in cases of financial hardship. OP should definitely include this with their appeal package.
Thank you both for this information! I just downloaded the DE 6305 form and will include it with our appeal. The facility director is also writing a letter explaining their certification status and documenting other patients who have received SDI benefits. This whole system is so unnecessarily complicated!
I'm really frustrated with my situation and hoping someone can help. I've been a waitress for 6 years and developed severe knee pain (torn meniscus) that finally got so bad I couldn't walk through my shifts anymore. My doctor put me on disability in January 2025, and I received SDI benefits for about 4 weeks. At my follow-up, my doctor said I was 'good enough' to return to work, so I did, thinking I was healed. Well, after just 2 weeks back on the job with all the walking and carrying heavy trays, my knee pain is WORSE than before! I'm literally limping by the end of each shift and taking maximum doses of pain meds just to function. Do I need to file a completely new disability claim since I already returned to work? Or can I somehow reopen my original claim since it's the same injury? My doctor admits he cleared me too soon but I'm confused about the paperwork process. This isn't a workers comp situation - just my aging knees giving out after years in food service.
I'm a bit confused about something - is this a workers comp situation or regular disability? Because if you injured your knee AT work, you should be filing for workers comp, not SDI. But if it's just general knee problems that weren't caused by a specific work incident, then SDI is correct. Just want to make sure you're filing the right type of claim.
Hey just wondering how this turned out for you? I'm in a similar situation with my disability claim and wondering if I should just try to push through at work even though I'm in pain because dealing with EDD seems impossible sometimes...
I ended up filing a new claim and got approved! Used that Claimyr service someone mentioned here to talk directly with an EDD rep who explained everything. Since it was within 60 days of my previous claim ending, I didn't have to serve another waiting period, and they approved it within 10 days. Don't push through the pain - it only makes things worse (I learned that the hard way).
Lucas Turner
when i had my last baby i had to call ELEVEN TIMES before someone picked up to help me with my claim!!! this was after getting kicked off midway through the online application because the website kept crashing. edd is seriously the WORST and needs a complete overhaul!!!!
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Kai Rivera
Totally! the system feels like it was designed in 1995 and never updated lol. I had a baby last year and my online account kept showing an error message whenever I tried to check my claim status. Super frustrating.
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Eleanor Foster
One more important thing: if it turns out you aren't eligible for SDI, make sure you look into the Paid Family Leave for self-employed individuals. If you did pay into that program before your delivery, you could still get the 8 weeks of bonding time benefits. For future reference, that's why the Disability Insurance Elective Coverage (DIEC) program exists - it allows self-employed people to opt into the state disability system. Something to consider for the future if you're planning to stay self-employed.
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Gavin King
AuthorThank you! I'll definitely look into that. I'm planning to stay self-employed long-term, so I should probably sign up for DIEC regardless of what happens with this pregnancy claim. Learned my lesson for sure.
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