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Can I switch from EDD SDI to unemployment after doctor releases me?

I've been receiving disability benefits since December for my back injury and it's been a lifesaver. My doctor thinks I'll be able to return to work in about 2-3 months, but I'm worried because my previous employer filled my position. My SDI benefits are also running low (I think I'm approaching the max benefit amount). Once my doctor clears me as able to work, can I immediately apply for unemployment while I job hunt? I'm confused about whether EDD uses the same wage base for calculating both SDI and unemployment, and if I've already used up my benefits. Has anyone transitioned from disability to unemployment? What's the process like?

Yes, you can apply for UI after your disability claim ends, as long as your doctor has certified you're able to work and available for work. SDI and UI benefits come from different funding sources - SDI from the state disability insurance fund that you pay into via payroll deductions, while UI comes from employer contributions. The qualifying base periods might overlap but they're calculated differently. What you should do is apply for UI immediately after your doctor releases you. Make sure you get documentation showing you're cleared to work. When you apply, EDD will determine if you qualify based on your earnings from the base period (usually 12-18 months before claiming).

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Thank you! That's a relief to hear they're from different funding sources. Do you know if there's any waiting period between ending SDI and starting UI? I'm really worried about having a gap with no income.

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i went from disability to unemployment last year its no problem but make SURE ur doctor writes that ur 100% cleared to work or they will deny u!!! my first try i got denied cuz my doc put restrictions on lifting

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Oh that's good to know! I'll make sure to talk to my doctor about the medical release paperwork. Did you have to wait between your last disability payment and first unemployment payment?

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I had this EXACT situation in 2024 and let me tell you, the EDD makes this process UNNECESSARILY complicated!!! My SDI ran out after my surgery, and when I applied for UI they flagged my account for a phone interview because they saw I was coming off disability. I waited THREE WEEKS for that interview and couldn't get anyone on the phone. Finally I found this service called Claimyr (claimyr.com) that got me connected to an EDD agent in about 20 minutes instead of waiting on hold forever. They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd Once I actually spoke to someone, they cleared the flag on my account and my UI payments started the next week. But without getting through on the phone, I would've been stuck in limbo forever.

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I've heard about that service but wasn't sure if it actually works. Did they explain why there was an interview flag? I'm worried about the same thing happening to me when I transition from disability to unemployment.

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Yes! The agent told me they automatically flag accounts transitioning from disability to unemployment to verify you're actually able to work now. They need to confirm your doctor released you without restrictions and that you didn't voluntarily leave your last job (which technically you didn't if you were on medical leave).

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This happened to my sister last month!! The tricky part is you have to be actively looking for work to qualify for unemployment but if your doctor hasn't fully cleared you then you don't qualify. There's a weird gap that can happen there.

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While you can transition from SDI to UI, there are important details to understand: 1. The wage base periods are different but do overlap. For SDI, they look at wages earned 5-18 months before your disability claim. For UI, they look at wages earned 5-18 months before your unemployment claim. 2. You must be able and available for work to qualify for UI. This means no medical restrictions that would prevent you from performing your usual occupation. 3. There is a potential gap: Your SDI benefits end the day before your doctor releases you. You can file for UI that same day, but processing typically takes 2-3 weeks for the first payment. 4. You should request a clear doctor's note stating you are released to work without restrictions to avoid delays. 5. UI requires you to be actively seeking work and document your job search activities. One last thing - in 2025, the maximum SDI benefit period is 52 weeks, so check how many weeks you've used so far to know when your benefits might exhaust.

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Thank you for explaining this so thoroughly! I've been on SDI for about 5 months now. I'll definitely talk to my doctor about making sure the release note is very clear about me being able to work without restrictions. And I'll start planning for that 2-3 week gap between benefits.

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wait does anyone know if they pay different amounts for disability vs unemployment? i always thought unemployment paid way less

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They calculate differently. SDI pays about 60-70% of your wages up to the maximum weekly benefit amount ($1,620 in 2025). UI generally pays less - about 50% of your wages up to the maximum weekly benefit amount ($650 in 2025). So yes, there's usually a significant drop in benefit amount when transitioning from SDI to UI.

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Just be prepared for the financial adjustment when switching from SDI to UI. I wasn't ready for how much LESS unemployment pays compared to disability! My SDI payments were nearly $1,400/week but UI was only $580/week. It was a huge shock to my budget. Start cutting expenses now if you can.

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Oh no, I hadn't even thought about that! I'm getting about $1,200/week on disability. I definitely need to check what my unemployment would be and start budgeting differently. Thanks for the heads up.

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One more important thing - make sure you don't file for UI before your doctor officially releases you. If you apply for UI while still medically disabled, it can create complications with both claims. Wait until you have the official medical release in hand before submitting your UI application, even if it means a day or two gap between benefits.

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That makes sense. I'll make sure to get the official release first before submitting anything. Would it help to call EDD before applying to understand exactly what documentation I need to provide?

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Yes, calling ahead is smart. Request to speak with a UI specialist specifically and explain you're transitioning from SDI to UI. Ask them to note in your file that you're preparing for this transition. This can help prevent flags on your account that might delay processing. Also, when you do apply, make sure to indicate you were on disability rather than employed when asked about your most recent work status.

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btw dont forget you need to certify for unemployment every 2 weeks!!! sdI is different its like once a month i think? i missed my first ui certification deadline cuz i didnt know lol

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