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Can I switch from EDD unemployment to disability after filing? Haven't been paid yet

I'm in a difficult situation and need advice fast. I got fired from my job in January 2025 and immediately filed for unemployment. But my mental health has been spiraling since before the termination - I've been seeing a therapist for severe anxiety and depression that actually stemmed from a toxic work environment at that job. My therapist mentioned she would support a disability claim for me. Here's my question - I haven't certified for unemployment yet or received any payments (still waiting for my phone interview scheduled for next week). Can I just abandon my unemployment claim and file for SDI instead? I've calculated that disability would pay about $280 more per week for me which would make a huge difference right now. Will EDD reject my disability claim because I already started an unemployment application? I'm worried they'll say I'm able to work since I initially applied for UI. Has anyone switched from UI to SDI before getting any unemployment payments?

Andre Moreau

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Yes, you can apply for SDI even after filing for UI, especially if you haven't received any UI payments yet. The key is timing and documentation. Your therapist will need to complete the medical certification (Form DE 2501) confirming your condition prevents you from performing your regular work. Make sure they date the disability as starting BEFORE your UI claim was filed - this shows you were actually disabled when you lost your job, not just unemployed. Call EDD and explain you need to withdraw your UI claim because you've been diagnosed with a medical condition that prevents you from working. They'll flag your UI application so you don't have to certify. Then file your SDI claim right away through SDI Online. Just be prepared - they might question the timing, so having strong medical documentation from your therapist is crucial.

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Carmen Reyes

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Thank you! This is super helpful. So I need to call EDD first to withdraw my UI claim before filing for SDI? I'm worried because I can never get through to anyone when I call. Should I just keep trying?

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same thing happened to me!!! I filed UI then my doc wanted me on disability. UI is for when ur able to work but cant find a job. SDI is when ur unable to work due to medical condition. u cant get both at same time but you CAN switch before getting payments. your therapist needs to fill out that form saying when your condition started

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Carmen Reyes

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That's reassuring to hear someone else went through this. Did you have any trouble with the transition? How long did your SDI claim take to process after you switched?

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Actually, this could be problematic. When you filed for unemployment, you certified that you were ABLE and AVAILABLE to work. Disability is for when you CANNOT work due to a medical condition. EDD might flag this as fraud if the disability claim overlaps with your unemployment application dates. They're very strict about this contradiction!!

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Andre Moreau

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You're right to point out the potential issue, but this situation is actually fairly common. The key is that the OP hasn't actually certified for UI yet or received benefits. The initial UI application isn't the same as the bi-weekly certification. As long as they withdraw the UI claim before certifying and have medical documentation showing the condition existed at job loss, they should be fine. But you're absolutely right that trying to collect both simultaneously would be fraudulent.

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Mei Chen

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I tried calling EDD for WEEKS about my disability claim and could never get through. Kept getting disconnected or put on hold forever. Finally I 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 I was able to explain my situation to the rep and got everything sorted out. Sometimes you really need to speak to an actual person to resolve these complicated situations, especially when switching between different benefit types.

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Carmen Reyes

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Thanks for the tip! I was literally about to ask how to get through to a real person. I'll check out that service because I definitely need to talk to someone to make sure this gets handled correctly. Did they help you figure out your issue?

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Mei Chen

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Yeah, they just connected me to an EDD rep who answered all my questions and made notes in my account about my situation. Made a huge difference compared to trying to figure it out alone.

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CosmicCadet

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Be aware that your mental health conditions MUST prevent you from performing your regular/customary work to qualify for SDI. Just having anxiety/depression isn't automatically qualifying - it has to be severe enough that you can't work. Your therapist needs to clearly document this on the medical certification form. Also, SDI has a 7-day unpaid waiting period before benefits start, and you'll need to have earned enough in your base period to qualify (similar to UI). If you earned enough in the previous 18 months, you should be fine qualification-wise. I switched from UI to SDI last year (for physical not mental health) and it worked out fine, but documentation is everything!

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Carmen Reyes

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That's good to know. My therapist is a licensed clinical psychologist and she's already told me she believes my current mental state prevents me from working in my field (software development) because I can't concentrate for more than short periods and my anxiety is triggering panic attacks when I try to code. I'll make sure she documents this clearly.

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Liam O'Connor

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EDD makes EVERYTHING complicated on purpose!! Their whole system is designed to deny people benefits!! I went through this same exact situation in 2022 and they made my life HELL for 3 months before finally approving my claim. They kept sending me letters saying I was committing fraud, then they'd say no wait we made a mistake, then more letters about fraud!!!! The system is completely BROKEN!!!! 😡😡😡

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Carmen Reyes

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Oh no, that sounds awful. I'm already stressed about this process. Did you have to appeal or do anything special to finally get approved?

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Liam O'Connor

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I had to submit appeal paperwork THREE TIMES because they kept "losing" it. Finally got an advocate from legal aid to help me and MAGICALLY my claim got approved a week later. The system is totally rigged.

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Amara Adeyemi

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I handle these situations frequently for clients. Here's what you need to know: 1. You can withdraw your UI claim if you haven't certified or received benefits yet. Call the UI line and request withdrawal. 2. Have your therapist complete the DE 2501 medical certification form with a disability start date that coincides with or precedes your job loss date. 3. Your withdrawal request should explicitly state you're unable to work due to your medical condition and were unable to work at the time of filing UI (you just didn't realize UI wasn't appropriate). 4. Keep copies of all communications with EDD. 5. Be prepared to explain in your disability application that you initially filed for UI before receiving proper medical advice about your condition. This situation happens more often than people realize, especially with mental health conditions where people often try to push through before recognizing they need medical leave. As long as you're transparent and have proper documentation, this should be manageable.

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Carmen Reyes

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This is incredibly detailed and helpful, thank you so much! One more question - how long does the SDI application typically take to process once submitted? I'm getting concerned about bills coming due.

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Amara Adeyemi

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Standard processing time is 14 days if everything is submitted correctly and your medical provider responds promptly. However, with the backlog at EDD currently, many claims are taking 3-4 weeks. Make sure your therapist submits their portion promptly as that's often what causes delays.

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just FYI disability pays based on ur highest quarter of earnings in the past 18 months so if u were making good $ it might be way more than $280 extra

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Carmen Reyes

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You're right! I was making around $2,800/week before taxes at my tech job, so I think the SDI benefit would be substantial. All the more reason to get this sorted out correctly.

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Wait im confused... did the therapist only mention disability AFTER you got fired? Or were you seeing them while employed? Because that timing matters A LOT to EDD. If you only started therapy after losing your job they might say your condition was caused by job loss not by the job itself.

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Andre Moreau

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That's a good point about timing. If the OP was already in therapy before the job loss, the therapist can document that the condition predated the termination. If therapy only began after job loss, it might be more challenging but not impossible if the therapist can clinically determine the condition existed before termination.

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Carmen Reyes

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I was actually seeing my therapist for about 3 months before being let go - I started therapy because the toxic work environment was causing panic attacks. She suggested taking a medical leave back in December but I was afraid of losing my job... then they fired me anyway in January. So there's definitely documentation that this predated my termination.

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my sister went thru this exact thing! the key thing is get that UI claim withdrawn ASAP. she sent a written withdrawal request AND called (took like 50 tries to get thru). once she got the UI claim withdrawn she applied for SDI and got approved in like 2 weeks. def worth doing if SDI pays more!

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Carmen Reyes

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Thanks for sharing your sister's experience! Did she have to wait until the UI claim was officially withdrawn before submitting the SDI claim, or did she do both processes simultaneously?

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Andre Moreau

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I noticed you mentioned your work caused your mental health issues. If your condition was directly caused by your job, you might want to look into filing a workers' compensation claim instead of or in addition to SDI. Stress/anxiety/depression can qualify for workers' comp if work was a substantial contributing factor. The benefit of workers' comp is there's no unpaid waiting period and it can cover your medical treatment costs too. Might be worth discussing with your therapist and possibly a workers' comp attorney.

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Liam O'Connor

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YES THIS!!! Workers comp for mental health from toxic workplace is totally legit!! I know someone who got almost a year of benefits this way when her boss was basically bullying her into panic attacks!

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Carmen Reyes

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That's really interesting - I hadn't even considered workers' comp. My boss was extremely verbally abusive and would text me work demands at all hours including weekends. I'd wake up to 20+ angry texts some mornings. I'll definitely look into this option too, thank you!

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