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Miles Hammonds

Can I receive CA SDI benefits for knee surgery recovery while on Social Security?

I've been getting by on Social Security benefits and working part-time at a grocery store (about 25 hours/week) to cover my bills. My doctor just told me I need a total knee replacement and I'll be out of work for 8-12 weeks minimum. I'm worried sick about how I'll manage financially during recovery. Does anyone know if California State Disability Insurance (SDI) would cover me while I'm recovering, even though I'm already receiving Social Security retirement benefits? My HR person was confusing - first saying yes, then maybe not. I've been trying to reach someone at the EDD office but spent 2 hours on hold yesterday before getting disconnected. Has anyone been in this situation before? I'm 67 and really can't afford to lose my part-time income during recovery.

You can definitely apply for SDI! Being on Social Security retirement doesn't disqualify you. As long as you're currently working and paying into SDI through your paychecks (look for the "CASDI" deduction), you should be eligible. The key thing is having a doctor complete the medical certification.

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Thank you so much! Yes I do see that CASDI on my paycheck every week. Do you know if the SDI benefit is based just on my part-time wages? And how do I know if my doctor is registered with EDD?

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i went thru this exact thing last year with my shoulder surgery!!! social security doesnt care if you get disability for a few months, its totally separate systems. but make sure your doctor fills out the forms COMPLETELY or you'll get stuck in processing hell for weeks. happened to me and was a nightmare

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Oh that's a relief to hear you've been through it! Did you have any issues with the benefit amount being too small since it was based on part-time work?

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The important thing to understand is that CA State Disability Insurance (SDI) and Social Security are completely separate programs. SDI is based on your recent CA wages where you paid SDI taxes, while Social Security is a federal program. As others mentioned, you can absolutely receive both simultaneously. Your benefit amount will be approximately 60-70% of your wages earned during your base period (usually 5-18 months before your claim). Since you're working part-time, your benefit will be proportionally lower than someone working full-time, but you're still entitled to it!

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Not always true actually. My mom got denied SDI when she was on SS disability (different from retirement). The EDD person said it was becuz of some offset rule. So OP should definitely apply but not count on it 100%.

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I was in an almost identical situation last year - on SS retirement while working part-time as a school cafeteria worker. Had to get hip replacement surgery. The most important thing is to get your claim started ASAP. I had to wait almost 5 weeks to get my first SDI payment because my doctor didn't complete the medical certification correctly the first time. Give yourself plenty of time before surgery to get everything filed. Your benefit will be based on your highest quarter of earnings during the base period, so it won't be huge with part-time work, but it definitely helps cover the gap.

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Thanks for sharing your experience! Did you file online or by mail? I'm not very good with computers but everyone says the online system is faster.

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I tried calling EDD for weeks about my disability claim and NEVER got through. Wasted hours on hold every day. Finally used this service called Claimyr that got me connected to an actual EDD rep in about 20 minutes. Totally worth it. You can see how it works here: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd Their website is claimyr.com - saved me so much frustration!

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Is this legit? I'm always suspicious of third-party services for government stuff. Has anyone else tried this?

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I've used it twice - it actually works. They basically keep dialing for you until they get through, then connect you. Saved me hours of hold time.

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A few practical tips for your SDI application: 1. File online through SDI Online - it's much faster than paper 2. Make sure your doctor is registered in EDD's system before your appointment (they should know their SDI number) 3. Your part-time wages will determine your benefit amount - SDI pays about 60-70% of your average wages 4. There's a 7-day waiting period before benefits begin, so plan accordingly 5. Keep meticulous records of all communications with EDD Also, make sure your doctor provides very specific work restrictions and recovery time on your medical certification. This helps prevent delays in processing.

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This is incredibly helpful, thank you! I'll ask my doctor about their SDI number at my pre-op appointment next week.

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my neighbor had knee surgery and got denied sdi cause of some paperwork issue but then appealed and got approved but it took like 2 months so make sure ur doctor fills everything out right the first time!!! also the online system is super glitchy so save copies of EVERYTHING

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Good advice - I'll definitely save copies of everything. The whole process sounds so complicated 😓

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One more thing to be aware of - while receiving SDI, you cannot work at all (even reduced hours) until your doctor certifies you can return to work. This is different from Social Security retirement where you can work part-time. Make sure you understand this distinction so you don't accidentally create an overpayment situation.

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Oh that's good to know! My doctor said I might be able to return with limited duties after 6 weeks. So I'd need to report that to EDD right away?

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Exactly - when your doctor releases you for modified/light duty, you need to report that to EDD immediately. They may continue partial benefits depending on your wages and restrictions, or they may stop benefits entirely. Always report any changes promptly to avoid overpayments.

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I'm in a similar situation (67, on SS, working part-time) and considering knee replacement too. Please keep us updated on how your claim goes! I'm worried about the same things you are.

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I definitely will! My surgery is scheduled for March 18th, so I'll be starting this whole process in the next couple weeks.

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Just wanted to add that you should also check with your grocery store's HR about any short-term disability benefits they might offer through their employee benefits package. Sometimes these can supplement your SDI benefits or cover the 7-day waiting period. Also, if you're union, they may have additional resources or advocate for you with EDD if you run into issues. Don't forget to factor in that your Social Security retirement benefits will continue uninterrupted during your recovery - that's one less thing to worry about! Wishing you a smooth surgery and recovery process.

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