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Carmen Ortiz

Can I get EDD SDI benefits while undergoing cancer treatment?

I was just diagnosed with stage 2 breast cancer last week and will need to start chemotherapy soon. My oncologist says treatment will last at least 4 months and I'll be too sick to work during this time. I work full-time at a retail store (been there 3 years) and have state disability insurance deductions on my paychecks. Can I apply for EDD disability benefits for cancer treatment? How long does it typically take to get approved? I'm so worried about paying my rent while going through treatment. Has anyone else gone through this process with cancer? Any advice would be really appreciated.

yes u can get disability for cancer treatments. my brother did last year. its why we pay into SDI on our checks. u just need ur doctor to fill out the paperwork right. good luck with ur treatment

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Thank you for responding! Did your brother's claim get approved quickly? I'm worried about the gap between my last paycheck and when benefits might start.

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Absolutely, you can receive SDI benefits during cancer treatment. Here's what you need to know: 1. You'll need your oncologist to complete the medical certification portion of your disability claim (DE 2501). Make sure they include details about your treatment plan and why you cannot work. 2. File as soon as possible - there's a 7-day waiting period before benefits start, and it can take 1-2 weeks for processing. 3. Your weekly benefit amount will be approximately 60-70% of your wages (up to the maximum benefit amount). 4. With cancer treatment, you can typically get approved for the full treatment period upfront, rather than having to recertify every few weeks. I went through this in 2023 during my lymphoma treatment. The key is making sure your doctor provides detailed information about why you cannot work. Wishing you strength during your treatment journey.

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Thank you so much for this detailed information! It really helps. I'll talk to my oncologist at my next appointment about filling out the medical certification. I'm glad to hear I might be able to get approved for the full treatment period instead of constantly recertifying.

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THE EDD SYSTEM IS TERRIBLE FOR CANCER PATIENTS!!! When I had cancer last year, my claim was pending for 3 WEEKS with no explanation!!! I couldn't pay my bills and almost got evicted while GOING THROUGH CHEMO!!! They expect you to just wait around while you're literally fighting for your life. And then they only pay you like 65% of your salary which barely covers anything these days. The whole system needs to be completely overhauled!!!

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I'm sorry you had such a rough time. That sounds incredibly stressful on top of dealing with cancer treatment. Did you ever figure out why your claim was delayed for so long?

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My doctor's office didn't fill out one section of the form correctly so it got stuck in processing. But EDD never contacted me to tell me! I only found out when I finally got through to someone on the phone after calling for DAYS.

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I work with disability claims professionally. For cancer treatment, make sure your doctor specifically indicates: 1. Your diagnosis (including ICD-10 code) 2. Expected duration of treatment 3. Why treatment prevents you from performing your specific job duties Also, be aware that SDI has that 7-day waiting period before benefits begin, so plan financially for that gap. Most cancer-related claims are processed within 7-10 business days if all paperwork is complete. If your claim gets stuck in processing or shows as pending for more than 2 weeks, you absolutely need to contact EDD. The problem is getting through to them on the phone.

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Thank you for this information! I'll make sure my doctor includes all those details. Do you have any tips for actually getting through to EDD if I need to call them? I've heard the phone lines are nearly impossible.

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Getting through to EDD is definitely challenging. I recommend calling right when they open (8am) or trying between 4-4:30pm when call volume sometimes dips. Keep redialing if you get disconnected. Honestly though, many of my clients have had success using Claimyr (claimyr.com) to get through to EDD agents quickly. They have a service that helps you skip the phone queue. There's a video demo at https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd that shows how it works. Might be worth checking out if you're struggling to reach someone at EDD.

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when i had my cancer they made me wait like 10 days for approval and then i got backpay from when i first applied except for the waiting period. my doctor had to keep submitting forms every 2 months to keep it going during my treatment tho. make sure u follow up with your doctor office because sometimes they forget to send the forms and then ur benefits stop and its a whole mess

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That's good to know about following up with the doctor's office. I'll make sure to stay on top of that. Did you have any issues with your benefits being less than expected?

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I'm sorry about your diagnosis. I was diagnosed with colon cancer in 2024 and went through the SDI process. Here's what helped me: 1. File your claim online through SDI Online - it's faster than paper 2. Have a detailed conversation with your oncologist about your inability to work during treatment - be specific about side effects and how they impact your job duties 3. Check your claim status online regularly and save screenshots of everything 4. Set a calendar reminder for when your doctor needs to recertify (they usually need to do this every 4-8 weeks depending on your treatment plan) Also, if your SDI claim is approved but you're still struggling financially, check if your employer offers any supplemental disability insurance that might cover part of the gap between SDI benefits and your regular salary. Many employers do, but don't always mention it.

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Thank you so much for these detailed tips! I definitely didn't think about checking if my employer has supplemental disability insurance - I'll call HR tomorrow and ask. I hope your treatment went well and you're doing better.

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My mom just went through chemo for lung cancer and got SDI the whole time. Make sure when you apply you have your ID ready and all your doctors info handy. The form asks for like every detail about your condition and work history. Its kinda confusing but just go slow and fill it all out. Good luck with your treatment, cancer really sucks but at least the disability benefits help a little bit with the financial stress.

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Thank you - and I hope your mom is doing okay. Did the application ask for her entire medical history or just information related to the cancer diagnosis?

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Mostly just the cancer stuff and her current doctors. They wanted to know when she was diagnosed, when she stopped working, and what treatments she was getting. Not like her whole life medical history or anything like that.

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dose anyone know if they check ur SDI claim if ur on social media? my friend said EDD looks at ur facbook n stuff to see if ur really sick? is that true with cancer claims too???

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EDD generally doesn't routinely monitor social media for standard disability claims, especially for well-documented medical conditions like cancer. They primarily rely on medical certification from your doctor. That said, if there was a specific reason for them to investigate a claim (like suspected fraud), they might look at publicly available information. But for legitimate cancer treatment claims, this isn't something to worry about.

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One additional tip: While you're undergoing treatment, keep a simple log of your symptoms and how they affect your ability to work. This documentation can be helpful if your claim is questioned or if you need to extend your disability period. Remember that side effects from chemotherapy can sometimes last longer than the actual treatment period, and you may be eligible for extended benefits depending on your recovery timeline. Wishing you the best with your treatment.

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That's excellent advice about documenting symptoms. I'll start a journal right away. Thank you for your kindness and all this helpful information!

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I went through a similar situation with my ovarian cancer diagnosis in 2022. One thing I wish someone had told me - if you're getting chemotherapy, ask your oncologist to specify in the medical forms that you'll have "chemo brain" (cognitive impairment) in addition to the physical symptoms. This really helped strengthen my case since my job required a lot of concentration and decision-making. Also, don't hesitate to apply even if you're not sure about all the details yet - you can always update your claim as your treatment plan becomes clearer. The most important thing is getting that application in as soon as possible. Sending you strength and healing thoughts during this difficult time.

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