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Sean Kelly

Can I claim EDD pregnancy disability with county job if I previously paid into SDI?

Hi everyone! I'm about 8 weeks pregnant and starting to plan ahead for my maternity leave. I've been working for my county government for the past year and a half, but I just learned they don't contribute to SDI. Before this job, I worked in retail for almost 6 years where I did pay into the disability system. Does anyone know if I can still qualify for pregnancy disability through EDD based on my previous retail contributions? My HR dept wasn't very helpful and just told me we have our own leave system, but it pays much less than what I think I'd get from SDI. I'm stressing about finances during maternity leave and wondering if I have options they're not telling me about. Thanks for any advice!

Zara Malik

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congrats on baby! most county jobs r exempt from sdi so u cant use it now. doesnt matter that u paid b4, only current job counts

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Sean Kelly

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Oh no, that's what I was afraid of. So all that money I paid in for years is just gone? That seems so unfair when I'm going to need it most!

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Luca Greco

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Your HR is correct - county employees are typically exempt from SDI contributions unless your specific county has elected to participate (very few do). While you did contribute previously through your retail job, SDI eligibility is based on your current employment status during the disability period, not past contributions. The base period earnings would only apply if you were currently in SDI-covered employment. Your county likely offers their own short-term disability plan and FMLA/CFRA protection instead.

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Nia Thompson

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This is EXACTLY why I left my county job before having my second baby!!! The system is totally rigged against public employees. My friend works for the state and their maternity benefits are a JOKE compared to private sector. The whole thing is RIDICULOUS!!!

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Sean Kelly

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Thank you for explaining! Does anyone know if there's a way to check if my county is one of the few that participates? My HR person seemed confused when I asked specifically about EDD SDI.

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You could try applying anyway - sometimes the rules have exceptions. My sister-in-law worked for a school district (also usually exempt) but was able to get partial SDI benefits because she had a second weekend job that did pay into the system. Do you have any side gigs or part-time work besides your county job?

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Sean Kelly

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That's interesting! I don't currently have a second job, but I was thinking about doing some weekend retail work for extra savings before the baby comes. Maybe that would help with SDI eligibility too?

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Luca Greco

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Just to clarify - you would need to be actively working at an SDI-contributing job at the time you file for pregnancy disability. Starting a part-time retail job now could potentially help, but you would need sufficient base period earnings from that position. Also be aware that any benefits would be proportional to earnings from just the covered employment, not your county salary.

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Aisha Hussain

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I had the exact same situation last year! Worked at Macy's for 4 years then got a county job. Had my baby in March and tried to apply for SDI. Got denied because current job didn't pay into it. what a waste of all that money I paid into the system!!! ended up just using the county's leave program which was only like 55% of my pay and ran out fast.

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Sean Kelly

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That's so discouraging to hear but thanks for sharing your experience. Did you try appealing the denial at all? I'm wondering if it's even worth applying if it's just going to be an automatic rejection.

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Have you tried actually calling EDD directly to ask about your specific situation? Their website never has clear answers for unique cases like yours. I've been trying to reach them about my own disability claim for WEEKS with no luck - constant busy signals and disconnections. I finally used a service called Claimyr (claimyr.com) that got me connected to an actual EDD rep in under 25 minutes. They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd. The rep I spoke with was super knowledgeable about special cases and exceptions to the normal rules. Might be worth trying to get a definitive answer straight from EDD.

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Sean Kelly

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I hadn't thought about calling EDD directly! That's a good idea. The website is super confusing for situations like mine. I'll check out that service you mentioned - at this point I just need a clear answer one way or the other.

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Zara Malik

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i tried calling 4 times last month and kept getting hung up on lol good luck

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Ethan Brown

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Let me clarify some important points about SDI and county employment to help you understand your options: 1. As others mentioned, most county employees are exempt from SDI unless your county has specifically opted in to the program. 2. Your past contributions to SDI from retail work don't typically qualify you for benefits now because eligibility is based on current employment status. 3. However, there IS an exception that might apply: if you left your retail job less than 18 months ago and became disabled (pregnancy counts) within that period, you MIGHT still qualify under what's called the "inactive claim" provision. This is rare but worth investigating. 4. If you start a second job that pays into SDI, you could potentially qualify for benefits based only on those earnings. 5. Another option: some counties allow employees to individually opt-in to SDI even when the county doesn't participate as a whole. Check if your county offers this option. I recommend requesting a formal determination from EDD rather than relying solely on HR's understanding.

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Sean Kelly

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Thank you so much for this detailed information! I left my retail job about 16 months ago, so I might fall under that inactive claim provision! I had no idea that was even a possibility. I'm definitely going to contact EDD directly to ask about this. Is there specific terminology I should use when asking about the inactive claim option?

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Ethan Brown

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Yes, specifically ask about an "inactive SDI claim based on previous covered employment." Mention that you understand there's an 18-month window, and you want to determine if you qualify. Be prepared with your employment dates from the retail job and how much you earned there. The representative may need to transfer you to a claims specialist who handles these unusual situations.

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Aisha Hussain

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Just wanted to add... check if your county offers short term disability insurance you can purchase! My county had a voluntary plan through Standard Insurance that I WISH I had signed up for before getting pregnant. My coworker got 60% of her salary for 12 weeks through that plan. Too late for me but maybe not for you!

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Sean Kelly

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That's a great suggestion! I'll definitely ask HR about voluntary short-term disability options. I'm still in my first trimester so hopefully it's not too late to sign up if they offer something like that. I really appreciate everyone's help with this!

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Nia Thompson

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The whole system is SO UNFAIR for pregnant women!!! I've had friends who worked for counties, school districts, and federal jobs and ALL of them struggled with maternity leave compared to private sector friends. One of my friends even quit her county job at 6 months pregnant and got a corporate job JUST to get better maternity benefits!! Can you believe that?? In 2025 we're still forcing women to choose between careers and starting families. Makes me SO ANGRY.

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Zara Malik

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preach!! my sis works for Amazon and got TWENTY weeks paid leave + bonus. meanwhile government workers get scraps

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Sean Kelly

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It is frustrating! I chose my county job for the stability and pension, never thinking about how it might impact maternity benefits. Definitely something I wish I'd researched more before switching from retail.

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Freya Thomsen

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I'm in a similar situation! Just started with my city government 6 months ago and found out I'm pregnant. Like you, I had no idea about the SDI exemption when I took the job. From what I've learned so far, definitely explore that inactive claim option that Ethan mentioned - it sounds like you might have a real shot since you're within the 18-month window! Also, I'd suggest documenting everything when you call EDD. Write down the rep's name, date, and exactly what they tell you in case you need to reference it later. The rules seem to have so many exceptions that even HR departments don't know about them all. Fingers crossed we both find some better options than just the basic county leave!

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Thank you for sharing your experience! It's reassuring to know I'm not alone in this situation. You're absolutely right about documenting everything - I learned that lesson the hard way with other government bureaucracy issues. I'm definitely going to pursue that inactive claim option since I'm right at the edge of the 18-month window. It's crazy how these exemptions aren't more widely known - makes me wonder how many people miss out on benefits they're actually entitled to just because no one tells them about these exceptions. Good luck with your situation too, and thanks for the solidarity!

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