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Chloe Taylor

Can I get my SDI benefit amount adjusted if my recent wages were much higher than previous quarters?

I started receiving SDI benefits last month for a back injury and I'm completely shocked at how low my weekly benefit amount is. I just got a major promotion in December 2024 that nearly doubled my salary (from $4,300 to $8,200 monthly), but my SDI payment is only calculating to about $1,600 per month based on older wage data from before my promotion. The EDD is using my earnings from like 9-12 months ago when I was making way less money! I've tried calling to ask if there's any way to get this recalculated based on my current salary, but I can't get through to anyone. Does anyone know if there's a specific form I need to file or process to request a benefit amount adjustment? It's really stressful trying to pay my mortgage on less than 20% of my current income when I'm used to making so much more now.

Diego Flores

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Unfortunately, this is one of the most frustrating parts of SDI that catches many people by surprise. EDD uses a specific base period for calculating your benefit amount, which is generally 5-18 months before your disability claim starts. So the wages you earned right before your disability aren't considered at all. There is a form called DE 2545WS (Wage Adjustment/Protest) that you can submit, but it only helps if there were actual errors in the wages reported during your base period. It won't help just because you're earning more now than you were during the base period - that's just how the system is designed. What quarter did your disability begin in? I can break down exactly which months they're looking at for your calculation.

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Chloe Taylor

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Thanks for the quick reply! My disability started in February 2025. So you're saying there's absolutely nothing I can do to get them to consider my current higher salary? That seems so unfair - I'm literally making less than a quarter of what I was making right before my injury.

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yea ur stuck with what they calculated. happened to my cousin too, she got promoted right b4 maternity leave and it didnt matter. the base period is like set in stone or whatever

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Chloe Taylor

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That's so frustrating! Did your cousin ever find any workaround or solution? I can't believe there's not some exception process for situations like this.

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Sean Murphy

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I went through something similar when I filed for SDI last year. For a February 2025 claim, they're looking at your wages from October 2023 through September 2024, so your December 2024 promotion isn't counted at all. I tried everything to get mine adjusted - called multiple times, submitted the wage protest form, even talked to a supervisor eventually. But they all said the same thing - the base period calculation is fixed by law and there are no exceptions just because you earned more recently. The only silver lining is that if you need to file a new disability claim in the future, your higher wages would be included in that calculation. Sorry to be the bearer of bad news.

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StarStrider

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This is exactly right! The exact quarters for a Feb 2025 claim would be: - Oct-Dec 2023 - Jan-Mar 2024 - Apr-Jun 2024 - Jul-Sep 2024 EDD calls this the Standard Base Period. They actually skip the most recent completed quarter before your claim (Oct-Dec 2024) and the quarter you file in. It's stupid but that's how it works.

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Zara Malik

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Ugh I HATE THIS SO MUCH. Same thing happened to me last year and I nearly lost my apartment because of it!!! The whole EDD system is designed to screw people over. I spent WEEKS trying to get someone on the phone and when I finally did they were like "sorry, nothing we can do" in the rudest way possible.

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Chloe Taylor

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It's ridiculous! Did you ever find any alternative financial support options while on disability? I'm looking into everything I can at this point.

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Luca Marino

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I know exactly what you're going through! I was in the same boat last year when I had to go on disability right after getting a big raise. I couldn't get through to EDD for weeks despite calling constantly. I finally used this service called Claimyr (claimyr.com) that got me connected to an actual EDD representative in about 20 minutes. They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd The rep confirmed what others here are saying - they can't adjust based on recent wages, only if there's an error in the reported wages for the base period. However, talking to them directly helped me understand exactly which quarters they were using and confirm they had the correct wage information. Having certainty at least helped me plan my finances better during disability.

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Nia Davis

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does that claimyr thing actually work? i been trying to get thru to edd for 2 weeks

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Luca Marino

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@profile8 Yes, it worked for me. I was skeptical at first but I was desperate after trying for days to get through on my own. They connected me to an agent in about 15-20 minutes.

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Sean Murphy

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Since you're dealing with an immediate financial hardship because of this, I'd recommend a few practical steps: 1. Double-check that EDD has your correct wage information for the base period quarters. Request a wage verification from them to confirm. 2. If you have any optional deductions that could be paused (like retirement contributions), consider adjusting those temporarily. 3. Check if you have any short-term disability insurance through your employer that might supplement the state SDI benefits. 4. For many injuries, you might be eligible for both SDI and workers' compensation if the injury happened at work. I know it's frustrating, but understanding exactly how they calculated your benefit amount at least helps you know what you're dealing with.

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Chloe Taylor

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Thank you for these suggestions! My injury wasn't work-related so workers' comp isn't an option, but I'll definitely check into the other ideas. I'm going to try to get through to EDD to verify they have the correct wage info for the quarters they're using.

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Nia Davis

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why dont they use the alternate base period for this? isnt that for ppl who's wages changed?

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Diego Flores

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The Alternate Base Period (ABP) isn't for people whose wages increased - it's only available if you don't qualify for benefits using the Standard Base Period. It just shifts the quarters they look at to include more recent ones, but it's only an option if you don't qualify otherwise. Since OP already qualifies based on their older wages (just at a lower amount than they'd like), they can't use the ABP.

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Sean Murphy

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After reading through this whole thread again, I wanted to add one more thing - make sure you're getting the maximum weekly benefit amount based on the quarters they ARE using. The max SDI benefit is now $1,620 per week in 2025. So even if they're using your older, lower wages, if those wages were still high enough to qualify you for the maximum benefit, you should be getting that. Also, double-check that your "$1,600 per month" figure isn't actually $1,600 per week, which would be close to the maximum. The SDI benefit calculator can be confusing about whether it's showing weekly or monthly amounts.

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Chloe Taylor

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You're right - I should double check this. Looking at my award letter again, it does say $1,620 per week, not per month. That's a huge difference! I think I misread it initially because I was so stressed about everything. Thank you for pointing this out!

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Diego Flores

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I'm glad you caught that! $1,620 weekly is actually the maximum SDI benefit in 2025, so you're getting the highest amount possible. That works out to about $7,020 per month, which is still less than your new salary but much better than $1,600 monthly. This is a really common misunderstanding with SDI benefits. Even though they're using your older wages from the base period, if those wages were high enough to qualify you for the maximum benefit (which they apparently were), you'll get the maximum regardless of how much higher your recent wages became.

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Chloe Taylor

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Thank you everyone for your help! I feel so much better knowing I'm actually getting $1,620 weekly instead of monthly. It's still a pay cut from my new salary, but it's manageable. Really appreciate all the explanations about how the base period works too - at least now I understand the system better.

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Carmen Diaz

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What a relief that you figured out the weekly vs monthly confusion! That's a huge difference and I'm so glad someone pointed that out. $1,620 weekly is actually really good for SDI - many people get much less. Just wanted to add that if you're still concerned about the income gap, you might want to check if your employer offers any supplemental disability insurance that could help bridge the difference. Some companies have voluntary short-term disability plans that work alongside state SDI. Also, since you mentioned a back injury, make sure you're working with a good physical therapist if possible - the sooner you can recover and return to work, the sooner you'll be back to your full salary. Hope your recovery goes smoothly!

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What a relief reading through this whole thread! As someone new to this community, I learned so much about how SDI benefits actually work. @Chloe Taylor I'm so glad you figured out the weekly vs monthly confusion - that's such a huge difference and honestly something I probably would have misread too when dealing with all that paperwork stress. It's really helpful to see how the base period system works in practice, even though it seems counterintuitive at first. The fact that you're getting the maximum SDI benefit of $1,620 weekly shows that your pre-promotion wages were already pretty solid during those base period quarters. While it's still frustrating that your December promotion can't be factored in, at least you're getting the highest amount possible under the current system. This thread is such a great example of why community support matters when navigating these complex government programs. Everyone's detailed explanations about base periods, benefit calculations, and even tips for getting through to EDD have been incredibly valuable. I'm bookmarking this for future reference! Hope your back injury heals quickly so you can get back to that new higher salary.

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Omar Farouk

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This has been such an educational thread to follow as someone completely new to SDI! I'm really glad @Chloe Taylor got this sorted out - that weekly vs monthly mix-up would have stressed me out so much too. It s'amazing how a simple misreading can make such a huge difference in understanding your financial situation during recovery. What really stands out to me is how knowledgeable everyone in this community is about the SDI system. The detailed breakdowns of base periods, benefit calculations, and even which specific quarters get used for different claim dates - I never would have known any of this without reading through everyone s'responses. It s'also reassuring to know that there are resources like the EDD phone services even (if they re'hard to reach and) tools like Claimyr to help navigate the system. I m'definitely saving this thread as a reference in case I ever need to file for SDI myself. Thanks to everyone who shared their experiences and expertise - this is exactly the kind of supportive community that makes dealing with complex government programs so much more manageable!

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Kylo Ren

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As someone who's completely new to this community and the SDI system, this thread has been absolutely invaluable! I had no idea how the base period calculations worked or that there was such a significant difference between weekly and monthly benefit amounts. @Chloe Taylor I'm so relieved you figured out you're getting $1,620 weekly instead of monthly - what a massive difference that makes! I can totally understand the initial panic when you thought you were only getting $1,600 per month. The stress of dealing with an injury while trying to navigate unfamiliar government paperwork would make anyone prone to misreading those details. It's really enlightening to learn that you're actually receiving the maximum SDI benefit amount, which means your wages during the base period quarters (Oct 2023 - Sep 2024) were already high enough to qualify you for the top tier. While it's still frustrating that your December 2024 promotion can't be factored in, at least the system worked out better than you initially thought. This whole discussion has taught me so much about how SDI works - from base periods to alternate base periods to the specific quarters they use for different claim dates. I'm definitely bookmarking this thread for future reference. The community support here is amazing, and I hope your back injury heals quickly so you can get back to your full salary soon!

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Ava Harris

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This thread has been such a fantastic learning experience for me as well! As someone who just joined this community, I had absolutely no understanding of how SDI benefits were calculated or what a base period even meant. @Chloe Taylor your situation really highlights how confusing the initial paperwork can be - I would have definitely made the same weekly vs monthly mistake under that kind of stress! It s'amazing how this community came together to help you understand not just what was happening with your specific case, but the entire system behind it. The detailed explanations about which quarters get used, why recent wage increases can t'be factored in, and even practical tips like the Claimyr service have been incredibly helpful for someone like me who might need to navigate this system someday. I m'so glad everything worked out and you re'getting the maximum benefit amount! $1,620 weekly is such a relief compared to what you initially thought. This thread is definitely going in my saved posts for future reference. Wishing you a smooth recovery so you can get back to enjoying that well-deserved promotion salary!

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As someone who just joined this community, this entire thread has been such an eye-opening experience! @Chloe Taylor I'm so glad you discovered that weekly vs monthly mix-up - what an incredible relief that must have been! I can completely understand how you'd misread those details initially when you're already stressed about your injury and trying to make sense of all that government paperwork. Learning that you're actually receiving $1,620 weekly (the maximum SDI benefit!) instead of $1,600 monthly completely changes everything. While it's still frustrating that your December promotion couldn't be factored into the calculation, at least your pre-promotion wages were solid enough to qualify you for the highest benefit tier available. This whole discussion has been like a crash course in SDI for me - I had no clue about base periods, how they determine which quarters to use, or why recent wage increases can't be considered. The community knowledge here is incredible! Everyone's detailed explanations and practical advice (like the Claimyr service for getting through to EDD) have been so helpful. I'm definitely saving this thread as a reference in case I ever need to navigate the SDI system myself. It's amazing how this community rallied together to help you understand what was really happening with your benefits. Hope your back injury heals quickly so you can get back to enjoying that well-deserved promotion salary!

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NeonNomad

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This has been such an incredible learning experience for me as well! As someone completely new to this community and SDI system, I'm amazed by how much valuable information everyone has shared. @Chloe Taylor I m'so happy you figured out that weekly vs monthly confusion - I would have absolutely panicked in the same situation! It s'really encouraging to see how this community comes together to help people navigate such complex systems. The detailed explanations about base periods, benefit calculations, and practical tips like the phone services have been invaluable. I feel so much better prepared now if I ever need to deal with SDI myself. Getting the maximum weekly benefit of $1,620 is actually fantastic news, even if the timing with your promotion is frustrating. At least you know you re'getting the highest amount possible under the current system! This thread is definitely going into my saved references. Wishing you a smooth recovery so you can get back to that new salary soon!

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