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.
35 comments


Andre Rousseau
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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Carmen Ortiz
•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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Zoe Papadakis
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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Carmen Ortiz
•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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Jamal Carter
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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AstroAdventurer
•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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Jamal Carter
•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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Mei Liu
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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Carmen Ortiz
•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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Mei Liu
•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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Liam O'Sullivan
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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Carmen Ortiz
•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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Amara Chukwu
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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Carmen Ortiz
•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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AstroAdventurer
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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Carmen Ortiz
•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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AstroAdventurer
•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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Andre Rousseau
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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Mei Liu
•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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Zoe Papadakis
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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Carmen Ortiz
•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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Ethan Davis
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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Amara Okafor
•Thank you for mentioning "chemo brain" - I hadn't even thought about that aspect! My job at the retail store does require me to handle money, manage inventory, and deal with customers, so cognitive issues could definitely be a problem. I'll make sure to discuss this with my oncologist when we go over the medical forms. It's really helpful to hear from someone who's been through this process with a similar diagnosis. I appreciate the encouragement about applying even without all the details figured out yet.
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Mei Lin
I'm so sorry to hear about your diagnosis, but I'm glad you're being proactive about the disability benefits. I work in HR and deal with these situations regularly. A few additional points that might help: 1. Double-check that your employer has been properly deducting SDI from your paychecks for at least the past 12 months - you can verify this on your paystubs or W-2. 2. Consider asking your doctor to submit the medical certification a day or two before you actually stop working, so EDD can start processing while you're still getting paid. 3. Keep copies of EVERYTHING - your application, medical forms, any correspondence from EDD. I've seen too many cases where documents get "lost" in the system. 4. If you have any vacation or sick time built up, check with your HR department about whether you can use it during the 7-day waiting period to avoid a gap in income. Your retail experience actually works in your favor here - the physical demands of standing, lifting, and customer service are clearly incompatible with chemo side effects. Best of luck with your treatment and recovery!
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Gianna Scott
•This is incredibly helpful information, especially the tip about having the doctor submit the medical certification before I actually stop working. I never would have thought of that timing strategy. I'll definitely check my paystubs to verify the SDI deductions - I'm pretty sure they've been taken out but want to be certain. The point about keeping copies of everything is also really important. I've heard horror stories about documents getting lost. Thank you for taking the time to share your HR expertise - it's reassuring to know that my retail job situation should actually support my claim rather than complicate it.
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Omar Zaki
I'm really sorry to hear about your diagnosis, but you're asking all the right questions. I went through this exact situation with my breast cancer treatment in 2021. A couple of things that really helped me: 1. When you meet with your oncologist, ask them to be very specific about your functional limitations in the medical forms - not just "cannot work due to cancer treatment" but details like "unable to stand for extended periods, severe fatigue preventing 8-hour workdays, nausea affecting concentration," etc. 2. Since you work retail, emphasize how chemo side effects (fatigue, nausea, immune suppression) make it unsafe for you to be around customers and handle physical tasks. 3. Apply online through SDI Online as soon as you have your treatment start date - don't wait until your last day of work. 4. The approval process for cancer is usually pretty straightforward since it's a well-documented medical condition. Mine was approved in about 10 days. One more thing - see if your store offers any employee assistance programs or hardship funds. Some retail chains have emergency financial assistance for employees going through medical crises. You've got this, and the financial support will be there. Focus on your treatment and healing. ❤️
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Eloise Kendrick
•This is such comprehensive advice, thank you so much! I really appreciate you sharing your experience with breast cancer and SDI - it gives me hope that the process can go smoothly. The tip about being specific with functional limitations is really smart. I hadn't thought about emphasizing the immune suppression aspect and how that makes retail work unsafe. I'll definitely ask my oncologist to include those details about fatigue, nausea, and inability to stand for long periods. I also never considered that my store might have employee assistance programs - I'll check with HR about that too. It's so reassuring to hear from someone who went through the same type of cancer and got approved relatively quickly. Thank you for the encouragement and the heart emoji - it really means a lot during this scary time. ❤️
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Kelsey Chin
I'm so sorry about your diagnosis, but you're definitely eligible for SDI benefits during cancer treatment. I went through this process myself in 2023 with pancreatic cancer. Here are some key things that helped me: 1. File your claim as soon as you know your treatment start date - don't wait until your last day of work. The 7-day waiting period starts from when you file, not when you stop working. 2. Make sure your oncologist includes specific details about how chemo will affect your ability to perform your retail job duties - things like severe fatigue, nausea, compromised immune system making customer contact risky, inability to lift or stand for extended periods. 3. Ask for your disability period to cover the full treatment timeline upfront if possible. My doctor was able to certify me for 6 months initially, which saved me from having to recertify every few weeks. 4. Keep detailed records of everything - save copies of all forms, take screenshots of your online claim status, document any phone calls with EDD. The good news is that cancer-related SDI claims are typically processed fairly quickly since the medical necessity is clear. Mine was approved in 8 business days. You'll get about 60-70% of your regular wages, and they'll backdate to when your disability began (minus the 7-day waiting period). Stay strong - the financial support will be there while you focus on beating this! 💪
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Layla Mendes
•Thank you so much for sharing your experience with pancreatic cancer and the SDI process! The tip about filing as soon as I know my treatment start date rather than waiting until my last day of work is really valuable - I didn't realize the waiting period could start from when I file. That could potentially save me from a longer gap in income. I'm also relieved to hear that you were able to get certified for 6 months upfront rather than having to constantly recertify. That sounds much less stressful during an already difficult time. Your advice about keeping detailed records resonates with what others have mentioned too - it seems like documentation is really important with EDD. It's encouraging to hear that your claim was processed in just 8 business days. I'm hoping for a similarly smooth experience. Thank you for the strength emoji and encouragement - it really helps to connect with people who have walked this path before me! 💪
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Victoria Jones
I'm so sorry to hear about your diagnosis, but you're absolutely right to look into SDI benefits - that's exactly what the program is designed for. I went through a similar situation when my wife was diagnosed with leukemia in 2022. A few practical tips that might help: 1. Start gathering your employment records now - you'll need details about your wages, start date, and SDI contributions. Having this ready will speed up your application. 2. When you meet with your oncologist, ask them to be very detailed about your treatment schedule and expected side effects. The more specific they can be about why you can't work (fatigue, immune suppression, nausea, etc.), the stronger your claim will be. 3. Consider applying about a week before you actually need to stop working if possible. This can help minimize the gap between your last paycheck and when benefits start. 4. Check if your retail employer has any supplemental benefits or employee assistance programs - sometimes there are resources available that HR doesn't always publicize. The process can feel overwhelming when you're already dealing with a cancer diagnosis, but remember that thousands of people successfully get these benefits every year. Focus on your treatment and healing - the financial support will come through. Sending you strength during this difficult time! 🙏
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Emma Bianchi
•Thank you so much for this thoughtful advice! I really appreciate you taking the time to share what you learned from your wife's experience with leukemia. The tip about gathering employment records ahead of time is smart - I'll pull together my wage information and double-check my SDI contribution history this week. I hadn't thought about applying a week before I actually stop working, but that timing strategy could really help avoid a financial gap. I'm definitely going to ask HR about any employee assistance programs too - it's worth checking since I've been with the company for 3 years. It means a lot to hear that thousands of people successfully navigate this process each year. Sometimes when you're facing something scary like cancer, it feels like you're the only one going through it. Thank you for the encouragement and the prayer hands emoji! 🙏
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Brady Clean
I'm so sorry about your diagnosis, but you're definitely on the right track asking about SDI benefits. I went through this exact situation with my testicular cancer treatment in 2023. Here's what I wish I had known: 1. Apply online through SDI Online the moment you have a confirmed treatment start date - don't wait until your last day of work. The system can start processing while you're still getting paid. 2. Make sure your oncologist understands that the medical certification needs to be VERY specific about your functional limitations. Don't just say "cancer treatment" - specify things like "severe fatigue preventing ability to stand/walk for retail duties," "nausea interfering with customer service," "immunocompromised status making public contact unsafe," etc. 3. Ask your doctor to estimate the full treatment duration upfront if possible. Mine certified me for 5 months initially, which saved me from constant recertification stress. 4. You'll get roughly 60-70% of your wages (there's a weekly maximum), and they backdate to when your disability began minus the 7-day waiting period. 5. Keep screenshots of everything and save all documents - EDD's system can be glitchy. Cancer claims typically get approved faster than other conditions because the medical necessity is clear. Mine was processed in 6 business days. You've got this - focus on your treatment and let SDI handle the financial support. That's literally what we pay into it for! 💪❤️
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Tate Jensen
•Thank you so much for sharing your experience with testicular cancer and the SDI process! Your advice about applying online the moment I have a confirmed treatment start date is really helpful - I'm starting to see a pattern in everyone's recommendations about timing. The detailed breakdown of what to include in the medical certification is incredibly valuable too. I hadn't thought about framing it as "immunocompromised status making public contact unsafe" but that's so relevant for retail work. It's really encouraging to hear that your claim was processed in just 6 business days! That gives me hope that I won't have to stress about finances for too long while dealing with treatment. I love how you put it - "that's literally what we pay into it for!" It's a good reminder that this isn't charity, it's insurance I've been contributing to. Thank you for the encouragement and taking the time to help a fellow cancer patient navigate this process! 💪❤️
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Mason Kaczka
I'm so sorry to hear about your breast cancer diagnosis, but you're absolutely asking the right questions. As someone who went through this process with my lymphoma treatment in 2022, I can tell you that yes, you are definitely eligible for SDI benefits during chemotherapy. Here are some key things that helped make my process smoother: 1. **Apply immediately once you have your treatment schedule** - Don't wait until your last day of work. You can file online through SDI Online, and the 7-day waiting period starts from when you file, not when you stop working. 2. **Be very specific with your doctor about job duties** - Since you work retail, make sure your oncologist details how chemo side effects (fatigue, nausea, immune suppression, "chemo brain") specifically prevent you from standing for long periods, handling money accurately, lifting inventory, and safely interacting with customers. 3. **Ask for extended certification upfront** - Try to get your oncologist to certify you for the full 4+ months of treatment initially, rather than having to recertify every few weeks. 4. **Document everything** - Keep copies of all forms, screenshot your online claim status, and save any correspondence with EDD. Most cancer-related SDI claims are approved within 7-14 days since the medical necessity is clear. You'll receive about 60-70% of your wages, backdated to when your disability began (minus the waiting period). Also check with your retail employer's HR about any employee assistance programs or supplemental disability benefits - many companies have resources they don't always advertise. You've got this! Focus on your treatment and healing - the financial support will be there. That's exactly what SDI is designed for. Sending you strength! 💪❤️
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Marina Hendrix
•Thank you so much for this incredibly comprehensive guide! As someone just starting this journey, it's so reassuring to hear from people who have successfully navigated both cancer treatment and the SDI process. Your point about being specific with job duties really resonates - I hadn't fully considered how to frame the immune suppression issue in terms of customer safety, but that makes total sense for retail work. The tip about asking for extended certification upfront is something I'll definitely discuss with my oncologist. It sounds like avoiding the constant recertification stress would be huge while dealing with chemo. I'm also going to check with HR tomorrow about any employee assistance programs - several people have mentioned this and I realize I might be missing out on additional support. Thank you for the encouragement and for taking the time to share such detailed advice. It means the world to connect with people who understand this situation! 💪❤️
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