Can I get EDD SDI benefits for 3 weeks off work when I only have 24 hours of sick leave?
Hey everyone, I just found out I need to have a minor surgical procedure that will keep me off work for about 3 weeks starting next month. Problem is, I've only got 24 hours of sick leave left for the year (used most of it when I got COVID in January). My supervisor mentioned something about SDI possibly covering the rest of the time, but I've never applied before and have no idea if I qualify or how it works. Do I need to use all my sick time first before applying? Is 3 weeks even long enough for disability? My doctor's office wasn't very helpful when I asked. Any advice would be super appreciated!
20 comments
Laura Lopez
Yes, you can absolutely apply for SDI for a 3-week period! There's no requirement that you exhaust your sick leave first, though many people do use it simultaneously or before SDI kicks in. Here's what you need to know: 1. SDI has a 7-day waiting period before benefits begin (this is unpaid) 2. Your doctor will need to complete the medical certification portion 3. You can receive approximately 60-70% of your wages while on disability I'd recommend applying as soon as your doctor confirms the surgery date. You can file online through SDI Online, and your doctor will need to submit their portion electronically too. Don't wait until after surgery to start the process.
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Gabriel Freeman
•Thank you so much! That's a relief to hear. So should I use my sick days during that 7-day waiting period? Or can I save them for something else later? Also, do you know how quickly they usually approve these claims?
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Victoria Brown
went thru this exact thing last year!! use ur sick days during the waiting period, thats what i did. then SDI kicks in after. my HR dept helped me with the paperwork it wasnt that bad
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Gabriel Freeman
•That's good to know! My HR department is... not the most helpful, to put it nicely. Did you apply online or use the paper forms?
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Samuel Robinson
Good luck getting approved in time for your surgery!! EDD is a NIGHTMARE to deal with. I was denied twice for my legitimate disability claim and had to appeal. The system is BROKEN and they barely answer phones. You have to call literally 50+ times to get through and even then they'll probably hang up on you. Just warning you to start the process NOW if you need the money by next month.
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Gabriel Freeman
•Oh no, that's really stressful to hear. I definitely need the money since rent in California is insane. Did you eventually get approved? How long did your appeal take?
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Camila Castillo
I went through this exact situation in 2023. To answer your specific questions: 1. You don't have to use sick leave first, but it makes financial sense to use your sick leave during the 7-day waiting period since SDI won't pay for those days anyway. 2. Three weeks definitely qualifies - the minimum is 8 consecutive days of disability. 3. Apply online through SDI Online as soon as possible: https://edd.ca.gov/disability/ 4. Your doctor will need to certify your disability by completing their portion of the DE 2501 form. 5. Make sure your name matches exactly between your ID, work records, and medical records or you could face delays. If you run into trouble reaching EDD by phone (which happens a lot), I found a service called Claimyr that got me through to an agent in about 20 minutes when I was having claim issues. Their site is claimyr.com and they have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd Hope your surgery goes well!
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Gabriel Freeman
•Thank you for breaking it down so clearly! I'll definitely look into that Claimyr service if I need to actually talk to someone. Have you used your full SDI benefits before? I'm also worried about what happens if I need more time off later this year for a different medical issue.
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Brianna Muhammad
My situation was kinda similar but I was out for 8 weeks instead of 3. I used my PTO first then went on SDI. Just make sure your doctor fills out all the paperwork correctly or it'll get denied. Also the first payment took almost 3 weeks to come through so have some savings ready if possible.
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Camila Castillo
•That's an important point about the payment timing. The first payment can definitely take 2-3 weeks after approval, and approval itself might take 7-14 days if everything goes smoothly. So having a financial buffer is wise if possible.
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JaylinCharles
wait am i the only one confused why you wouldn't just use sick time? isnt that what its for?
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Laura Lopez
•They only have 24 hours (3 days) of sick time but need to be off for 3 weeks (15 work days). So they'd still need coverage for the remaining 12 work days. That's where SDI comes in.
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Eloise Kendrick
I just went through this whole process in February! One thing no one mentioned yet - make sure your employer knows you're applying for SDI. Some companies require you to use all your sick time first (even though the state doesn't require it). My company also had me fill out FMLA paperwork at the same time to protect my job while I was out. Also, the EDD website says they process claims in 5-7 days but mine took 12 days to get approved, then another week before I got paid. Just FYI so you can plan accordingly!
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Gabriel Freeman
•That's a really good point about FMLA - I hadn't even thought about that. I've been at my company for 2 years, so I think I qualify. Did you have to request the FMLA paperwork specifically or did HR automatically do it when you mentioned disability?
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Laura Lopez
To answer your follow-up question - you can qualify for multiple SDI claims in a year as long as they're for different medical conditions. Each claim has its own 7-day waiting period though. The maximum benefit period is 52 weeks, but that's the total across a 12-month period. Regarding your approval timeline question: For straightforward surgical procedures with clear recovery timelines, approval typically takes 7-14 days if all documentation is submitted correctly. The first payment usually arrives 2-3 days after approval if you choose the EDD debit card option.
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Gabriel Freeman
•That helps a lot - thank you! I'll talk to my doctor about getting all the paperwork ready before my surgery date. Hopefully that will speed things up a bit.
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Brianna Muhammad
Btw does anyone know if the vacation/sick pay affects how much SDI you get? Like if I use some PTO during disability does that reduce my SDI payment for that week?
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Camila Castillo
•Yes, it can affect your payment. If you receive sick pay or vacation pay while on SDI, you must report it to EDD. They will reduce your SDI payment dollar-for-dollar for any day you receive both SDI and employer-paid leave. That's why many people use their sick leave during the waiting period instead, when SDI isn't paying anything yet.
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Victoria Brown
did you ask if ur doctor takes SDI online? some still use paper forms and that takes FOREVER. my friend had to wait like 6 weeks to get paid bc her doctor did paper forms
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Gabriel Freeman
•Oh yikes, that's a good point! I'll definitely check with them at my pre-op appointment next week. Thanks for the heads up!
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