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I'm currently collecting unemployment benefits but need to have shoulder surgery in about 3 weeks (rotator cuff tear that's gotten worse). My doctor says recovery will take at least 8 weeks. I've never been on disability before and I'm confused about how to handle this transition. Do I need to formally put my UI claim on hold? Is there a special application process when switching from UI to SDI, or do I just apply for disability like anyone else? Will my weekly benefit amount be calculated differently since I'm currently on UI? Any guidance would be super appreciated because I don't want to mess anything up and end up with no income during recovery.
So I've been driving for Lyft for almost 2 years now as my main source of income, but for the past month I've been dealing with severe migraines and vision problems that make it unsafe for me to drive. My doctor wants me to take at least 6-8 weeks off to try different medications and treatments. I'm completely lost on whether I qualify for disability benefits as a gig worker? The EDD website is confusing me because sometimes it talks about independent contractors not qualifying, but then I saw something about optional elective coverage? Has anyone here successfully gotten SDI benefits while working for Lyft/Uber or other gig apps? What documentation would I need to provide about my income? I'm really stressing about bills piling up.
I'm really sorry you're going through this health situation. As someone who's navigated similar challenges with gig work, I wanted to add a few suggestions that might help: 1. **Contact 211** - Dial 2-1-1 for free referrals to local resources including emergency financial assistance, food banks, and utility payment help. They often know about programs that aren't widely advertised. 2. **Medical bill assistance** - If you're accumulating medical expenses, ask your healthcare providers about payment plans or financial hardship programs. Many hospitals and clinics have programs to reduce or waive costs for people experiencing temporary income loss. 3. **Consider reaching out to rideshare driver communities** - There are Facebook groups and online forums specifically for Lyft/Uber drivers where people share resources and sometimes even organize mutual aid for drivers facing hardships. 4. **Local churches and community organizations** - Even if you're not religious, many churches and community centers offer emergency assistance regardless of affiliation. The fact that you have proper medical documentation from your doctor is really important - keep copies of everything as you explore different assistance programs. Wishing you a speedy recovery!
I'm going through something similar right now - been driving for Uber for about 18 months and recently developed anxiety issues that make it really difficult to handle traffic and aggressive passengers. It's so frustrating that we don't have the same safety net as regular employees even though we're working just as hard (if not harder). One thing I discovered is that some credit unions and banks offer short-term personal loans specifically for medical emergencies or temporary income loss. The interest rates aren't great but it might help cover essentials while you recover. Also, if you have any regular passengers who know you well, some drivers have had luck with temporary side gigs that don't require driving - like virtual assistant work or online tutoring. Really hope you find some relief soon and that the new treatments work for your migraines. The stress of financial uncertainty definitely doesn't help with health issues.
For virtual assistant work, I've had good luck with Belay and Time Etc - they're pretty flexible with scheduling which works well when you're dealing with health issues. For tutoring, Wyzant and Tutor.com let you set your own hours and work remotely. The pay isn't as good as driving during peak hours, but it's something you can do from home on your better days. Also check out transcription work with Rev or GoTranscript - it's not great money but you can literally work whenever you feel up to it. Just make sure to pace yourself and don't push through if your migraines are acting up. Recovery has to come first, even when the financial stress is overwhelming.
For virtual assistant work, I've had some success with Belay and Time Etc - they're more selective but pay better than some of the other platforms. For tutoring, Wyzant and Tutor.com are pretty flexible about scheduling around health issues. I also found that Upwork has a good variety of short-term projects if you have any other skills like writing or data entry. The key is starting with smaller projects to build up ratings while you're still dealing with your health situation. Hope this helps and that you find something that works for your recovery period!
Just opened my mail to find a DE2546 form saying I need to see an EDD independent medical examiner. I'm totally confused since my regular doctor (who is EDD-certified) already put me on disability for my back injury from a work accident in January. My claim was approved and I've been receiving payments since February. Now suddenly they want this independent exam?? The appointment is scheduled for next Friday, but the form doesn't say anything about what happens to my benefits during this process. Will my payments continue while I'm waiting for this exam and their decision? Has anyone dealt with this before? I'm really worried they're going to cut me off and I can't afford to miss even one payment with my rent due soon.
Glad to hear your exam went well! That's such a relief that the doctor was professional and thorough. The fact that you're still getting payments is definitely a good sign. Hopefully his report comes back positive and you can put this whole stressful situation behind you. Thanks for updating us - it really helps to know how these things actually play out in real life!
I'm seriously at my wit's end with EDD. My disability claim was approved back in January and I received confirmation with a receipt number and claim ID. But I haven't seen a SINGLE PAYMENT since then! I've been checking my account religiously and for 3 months there was no update - the claim just showed as 'approved' with no payment info. Now when I logged in yesterday, the system says there's NO RECORD of my claim at all! It's completely vanished even though I have the receipt and claim number right in front of me. I've been calling EDD literally 20-30 times a day for the past month and either get disconnected immediately or sit on hold for hours until the office closes. I'm drowning in bills and about to lose my apartment. Has anyone else had their approved claim completely disappear from the system? Is there some secret backdoor number to actually reach a human? I'm desperate for help!
Wow, what a rollercoaster! I'm so relieved you got this resolved, Olivia. Your story really highlights how broken the EDD system can be - it's ridiculous that approved claims can just vanish from the portal without any notification. I'm bookmarking this thread because the advice about calling right at 8am, contacting state reps, and using services like Claimyr could be invaluable if I ever face a similar situation. It's honestly shameful that people have to jump through so many hoops just to get the benefits they're legally entitled to. Hopefully your experience helps other folks who find themselves in the same nightmare situation!
I'm so confused about my tax situation with my SDI benefits. I just got a 1099G form from EDD showing all my disability payments from last year as taxable income. I thought disability wasn't supposed to be taxed?? I was working full-time until I had to take medical leave in February 2025 due to complications from my surgery. I worked the first week of February and then started my disability claim right after. My HR department told me that SDI benefits aren't taxable if you transition directly from work to disability, which I did! Now I'm looking at potentially owing thousands in taxes I wasn't expecting. Has anyone dealt with this before? Is there some exception I'm missing? I earned about $72,000 from my job before going on disability, if that matters for tax purposes.
btw i think the confusion is cuz workers comp, ssi and private disability insurance all have diff tax rules than SDI. google "publication 15a" from irs it explains all this tax stuff. most ppl dont realize state disability is taxed federally
Correct! Here's a quick breakdown for anyone else confused: - CA SDI: Federally taxable, not CA state taxable - Workers Comp: Not taxable (federal or state) - SSI/SSDI: May be partially taxable depending on total income - Private disability insurance: Taxable if employer paid premiums, non-taxable if you paid premiums with after-tax dollars Publication 15-A is a good resource, and IRS Publication 525 specifically addresses disability income taxation.
I'm really sorry you're going through this surprise tax situation! As a newcomer here, I wanted to share that I just went through something similar. I also received SDI benefits last year and was shocked when I got the 1099G. What helped me was using a tax calculator online to estimate what I'd owe before filing, so I could prepare mentally and financially. Also, if you're using tax software like TurboTax or H&R Block, they usually walk you through setting up payment plans right during the filing process, which saves you from dealing with IRS notices later. The community here seems really knowledgeable about these SDI tax issues - I wish I'd found this group earlier in my disability journey!
Fatima Al-Maktoum
Good luck with your surgery! Hope recovery goes smoothly. Take care!
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Fatima Al-Mazrouei
Just wanted to add that you should also consider the timing of when to file your SDI claim. I'd recommend filing it about a week before your surgery date so there's time for initial processing. The 7-day waiting period starts from when your doctor certifies you as disabled (usually the surgery date), not when you file the claim. Also, keep copies of everything you submit - the medical certification, your application, any correspondence. If there are any issues or delays, having your own records makes it much easier to resolve problems. I learned this the hard way when my claim got stuck in processing for weeks and I had to re-submit documents that supposedly got "lost in the system.
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