Can I get unemployment benefits after using all my SDI if I still can't return to work?
I've been on SDI since January after my back surgery and I'm running out of benefits next month. My doctor says I need at least 6 more weeks before I can return to any kind of work, even with restrictions. My employer won't hold my position any longer than my SDI coverage. Has anyone successfully transitioned from SDI to unemployment when you're still recovering but SDI runs out? I thought unemployment required you to be 'able and available' for work, but I literally can't work yet according to my doctor. Feeling desperate as I have no income lined up and still have medical bills piling up. Any advice?
16 comments
Dmitry Petrov
Unfortunately, you can't collect unemployment if you're not able to work. The main qualification for UI is being able and available to accept work - if your doctor says you can't work, you won't qualify. You might want to look into applying for an SDI extension if your doctor supports it. They can sometimes extend benefits if you're still disabled. You need to submit the form DE 2525XX along with updated medical certification.
0 coins
Sofia Gutierrez
•Thank you. I didn't realize an SDI extension was possible! My doctor mentioned something about additional paperwork but I didn't understand what he meant. I'll ask about the DE 2525XX specifically at my appointment tomorrow.
0 coins
StarSurfer
Same boat last year!! My SDI ran out after knee replacement and still couldn't go back. Applied for unemployment anyway and got denied. Makes no sense that there's this gap in the system where you can be too disabled for work but not disabled enough for more benefits. The system is broken!
0 coins
Ava Martinez
•yep happened to my sister too. she had to borrow $$ from family for 2 months until she could work again. ridiculous that we pay into these systems and then they leave us hanging
0 coins
Miguel Castro
Have you looked into whether you qualify for State Disability Insurance Extension (SDIE)? It's not automatic - you need to have your doctor complete additional certification. The EDD reviews these case by case. They can extend benefits up to 52 weeks total if you're still disabled according to their definition. Another option might be to ask your doctor if you could work with specific accommodations or restrictions - sometimes you can qualify for UI if you can do some modified work even if you can't return to your exact previous position. You could also check if you qualify for any long-term disability benefits through your employer or private insurance.
0 coins
Sofia Gutierrez
•Thanks for these suggestions. I don't think my employer offers long-term disability (small company), but I'll definitely pursue the SDIE option. My doctor is supportive but wasn't clear on the process. Is there a specific form I need to have him complete?
0 coins
Miguel Castro
Yes, for the SDI extension, your doctor needs to complete the "Physician/Practitioner's Supplementary Certificate" form (DE 2525XX). This essentially certifies that you're still disabled according to EDD's definition. Your doctor should be familiar with this form, but if not, you can mention it specifically. You'll want to contact EDD before your benefits end to request this extension process be started. Fair warning - getting through to someone at EDD can be extremely challenging.
0 coins
Zainab Abdulrahman
•I had to get an SDI extension last year and calling EDD was IMPOSSIBLE. I tried for two weeks straight! Finally used a 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. Totally worth it because I was about to lose my mind with the constant busy signals and disconnections. The rep I finally talked to was super helpful and walked me through exactly what forms my doctor needed to submit.
0 coins
Connor Byrne
have you checked if you qualify for SSDI? (social security disability) its federal not state. takes forever to get approved tho but its for longer term stuff. my cousin got it after cancer treatment when she couldnt go back to work for like a year
0 coins
Dmitry Petrov
•This is good advice, but SSDI typically requires that your disability is expected to last at least 12 months or result in death. From what OP described (needing 6 more weeks), they probably wouldn't qualify. Also, as you mentioned, SSDI has a very long application and approval process - often taking 3-6 months for initial decisions and much longer if appeals are needed.
0 coins
Yara Elias
U might wanna check if ur eligible for PFL!!! Paid Family Leave might help if ur caring for urself?? I dunno tho I think it's mostly for caring for family members but worth checking!!
0 coins
Dmitry Petrov
•PFL doesn't apply here. It's for caring for a family member or bonding with a new child. For one's own medical condition, SDI is the appropriate program. The main options for OP are pursuing an SDI extension or checking if they qualify for SSDI (though that's unlikely given the timeline described).
0 coins
Sofia Gutierrez
Update: I talked to my doctor today and he's completing the extension form (DE 2525XX) right away. He thinks I have a good case for extension since my recovery is taking longer than initially expected but is still progressing. Now I just need to get through to EDD to make sure they process it quickly before my current benefits end. Thanks everyone for the advice - I was completely lost before posting here.
0 coins
Miguel Castro
•Great news! Make sure to follow up with EDD if you don't see the extension reflected in your account within a week of your doctor submitting the form. Sometimes these things need a little nudging to get processed promptly. If your doctor submitted electronically, it should be faster than paper submissions.
0 coins
StarSurfer
THE WHOLE SYSTEM IS BROKEN!! I paid into SDI for 15 YEARS and when I needed an extension they denied me for some technicality. Meanwhile people who've barely worked get benefits no problem. THIS COUNTRY DOESN'T CARE ABOUT WORKERS!!
0 coins
Ava Martinez
•totally agree! my cousin works for the state and says the whole system is designed to deny people and save money. they reject first and hope people give up fighting
0 coins