


Ask the community...
Just wanted to update everyone - payment finally posted to my BofA card this morning (about 36 hours after certifying). Thanks for all the reassurance and advice! I guess I just needed to be more patient.
That's great! For future reference, it's normal for there to be some variation in payment timing. The EDD systems run different processing batches throughout the week, and BofA also has its own processing schedule. As long as your certification doesn't have any issues, you'll typically see the payment within 2 business days.
I had a similar issue back in January when my disability got extended. I would recommend saving some of each payment as a buffer if you can so you're not cutting it so close with bill payments. The EDD system is just too unpredictable - I learned that the hard way when my car payment bounced because of a 3-day delay. Now I keep at least 2 weeks of expenses in savings as a buffer during my disability period.
One more thing to check - make sure your mailing address is correct on your EDD account! I've seen situations where people moved since their last EDD claim and forgot to update their address. If that happens, the card gets sent to your old address and then you're really in for a headache.
Just double-checked and my address is correct on my account. Called Bank of America's EDD department this morning and they confirmed my card was mailed on February 12th, so it should hopefully arrive by early next week. They said I could request an expedited replacement for $10 if it doesn't arrive by then. Thanks everyone for the advice - feeling a lot less panicked now!
UPDATE: I finally got through to someone at BofA! Turns out they DID issue a new card even though my old one wasn't expired. The rep said it's because there was a gap of more than 6 months between my claims. New card should arrive by next Tuesday. Thanks everyone for your help!
Thanks for updating us! That's good to know about the 6-month gap policy - I hadn't heard that before. Glad you got it sorted out.
That's correct - I should have mentioned the 6-month rule. Bank of America's contract with EDD specifies that cards inactive for 180+ days may require reissuance for security reasons. For future reference, if you need funds faster, you can request expedited shipping of the new card (2-3 business days instead of 7-10).
Wait so if I'm understanding all this correctly, does this mean every time someone goes on disability after being off it for a while, they automatically get a new card??? That seems so wasteful! Why can't they just use the same card forever like a regular debit card? The EDD system makes NO SENSE sometimes!!!
It's actually a security measure. The EDD/BofA system deactivates cards after periods of inactivity to prevent fraud. While it might seem wasteful, disability fraud is unfortunately common, and this is one of their prevention methods. You can always request to have your funds directly deposited to your personal bank account instead of using the BofA card - just complete the Direct Deposit form on the SDI Online portal.
Does anyone know if the waiting period counts if you're still on UI? Like can I apply for disability a week before I need it so the waiting period overlaps with my last week of UI?
No, you can't overlap the waiting period with UI. The 7-day waiting period for SDI begins on your disability start date, and you cannot receive UI payments for the same period you're claiming to be disabled. The systems do cross-check this information. It's best to have your last UI week end just before your disability start date.
Thank you all SO much for the helpful information! I'm going to talk to my doctor this week to set a specific disability start date, then make sure I time everything correctly with stopping UI right before that. I'll update this thread once I get through the process in case it helps someone else!
Good luck! Just remember to be patient with the process - pregnancy disability claims usually go through without major issues, but sometimes there can be delays. If you do run into problems getting through to EDD, don't hesitate to try that Claimyr service someone mentioned above. I've heard from multiple people that it's worth it when you're stressed and pregnant and need answers!
Dmitry Petrov
When I filed for pregancy disability last year, I messed up how I reported my last paycheck and ended up having to call EDD to fix it. It was such a headache! But one thing nobody mentioned yet - if your employer offers any paid family leave through your company (separate from state benefits), make sure you note that too. My company gave me 4 weeks partial pay during my leave and I had to report that to EDD as well so they could adjust my benefit amount.
0 coins
Fatima Al-Mansour
•My company doesn't offer any additional paid leave unfortunately, but that's good information to know! Thanks for sharing your experience.
0 coins
StormChaser
One more important tip: After your pregnancy disability claim ends (usually 6-8 weeks after delivery), you can transition to Paid Family Leave (PFL) for bonding time with your baby. This is a separate application, but you use the same EDD account. Start that application process about 2 weeks before your pregnancy disability ends to avoid gaps in payment. Many new moms don't realize they need to file a separate claim for the bonding period.
0 coins
Fatima Al-Mansour
•Oh that's super helpful! I was wondering about the transition to bonding time. I'll definitely make a note to apply for PFL about 2 weeks before my disability claim ends. Really appreciate all this advice!
0 coins