Confused about SDI application question: my final paycheck arrives after disability start date
I'm freaking out trying to correctly fill out my pregnancy disability application! Today (10/17/2025) my doctor put me on pregnancy disability, but I worked my last shift on 10/15/2025. Here's my confusion - the SDI application asks if I'll "receive pay while on disability leave" and I don't know how to answer. I won't be working while on disability, BUT I'll still get my final paycheck on November 3rd for those hours I worked BEFORE going on disability (my last shift on 10/15). Do I answer "yes" since technically I'll receive a paycheck after my disability start date (10/17)? Or do I answer "no" since that money is just for work I already completed before disability started? I'm worried about accidentally committing fraud if I answer wrong! Has anyone dealt with this situation before? This is my first pregnancy and I'm lost navigating all these disability forms!
29 comments


Anastasia Kozlov
Answer "No" to that question. The pay you're receiving after your disability start date is for work performed BEFORE you went on disability. EDD isn't asking about previous work pay that happens to arrive after your disability start - they're asking if you'll continue to receive sick pay, PTO, or other compensation FROM your employer while you're disabled. I went through this exact situation last year with my pregnancy disability. The key is that you won't be earning any NEW money while on disability. That final paycheck is just catching up on money you already earned.
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NeonNebula
•Omg thank you so much! That makes perfect sense. I was so worried about accidentally saying the wrong thing. So relieved to hear from someone who went through this too!
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Sean Kelly
i think yes becase ur gettin a check whle on disabilty?? my friend did it wrong and they made her pay it ALL back later so be carful!!
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Zara Mirza
•This is incorrect advice. The question specifically refers to payments for the disability period itself, not delayed payments for work performed before disability began. The OP should answer "No" since the final paycheck is for work completed prior to the disability start date.
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Luca Russo
When I was on pregnancy disability last year, I had to report ALL income I received after my disability start date, even if it was for work done before. But! They just had me fill out a form explaining it was for previous work and it didn't affect my benefits. So either way, you'll be fine as long as you explain clearly that it's for work performed before your disability date. I think they just need to track all money flowing in during your claim period.
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Nia Harris
•This is why the EDD system is such a mess!!! Different answers from different agents ALL THE TIME. I've been on disability 3 times (pregnancy, back injury, then surgery) and got different instructions EACH TIME. The system is designed to confuse us and then penalize us for their poor instructions!!!!
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GalaxyGazer
I had EXACTLY the same issue with my pregnancy disability claim back in April. The question is asking if you'll receive any type of payment FROM YOUR EMPLOYER while on disability leave - like paid sick time, vacation pay, PTO, etc. It's not asking about delayed regular pay for work you already did. Answer "No" on that question since you won't be receiving any NEW compensation during your disability period. That last paycheck is just regular wages for work you already performed before your disability began. However, when you do your bi-weekly certification, you'll need to report when you receive that final paycheck in the certification period it falls in. There's a specific section for reporting "wages earned before disability began but paid during disability." This won't reduce your benefits. Hope this helps! And congratulations on your pregnancy!
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NeonNebula
•This is so helpful! Thank you for breaking it down step by step. So I'll select "no" now, but then when I certify and that paycheck comes in early November, I'll need to report it under that special category. That makes perfect sense.
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Mateo Sanchez
Back when I had to file disability for my surgery last year, I spent THREE DAYS trying to get through to someone at EDD to ask questions like this. Kept getting disconnected or waiting for hours. Finally I used this service called Claimyr (claimyr.com) that got me connected to an actual EDD agent in about 20 minutes! They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd The agent confirmed that final paychecks for work performed BEFORE disability aren't considered "pay while on disability." Saved me from making mistakes on my application!
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NeonNebula
•Thanks for this tip! I might need this if I have more questions. I've tried calling EDD twice already and couldn't get through.
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Sean Kelly
•does this really work?? ive tryed calling like 40 times this week!!
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Anastasia Kozlov
One more important thing to note - make sure you keep documentation about your last day worked (10/15) and your disability start date (10/17). If EDD sees a payment coming in after your disability started, they might flag your account for review. Having documentation ready will save you a huge headache. I keep a folder with all my disability paperwork, including pay stubs showing work dates vs. payment dates, just in case.
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NeonNebula
•That's such good advice - I'll definitely keep everything organized. My company gives detailed pay stubs showing the exact dates worked, so I'll make sure to save those. Better to have too much documentation than not enough!
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Luca Russo
Also, don't forget that there's a 7-day waiting period before SDI benefits kick in! So if your doctor put you on disability on 10/17, your benefits won't actually start until 10/24. This waiting period is unpaid, so plan your finances accordingly. I got caught off guard by this with my disability claim and it messed up my budget that month.
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NeonNebula
•Wait, really?? I didn't know about the waiting period at all! This is going to make things tight financially next month. Why don't they make this clearer in the instructions? Thank you for mentioning this!
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Aisha Mahmood
To summarize what everyone has said: 1. Answer "No" to whether you'll receive pay while on disability, since your final paycheck is for work performed before your disability began 2. When you certify for benefits, report the final paycheck in the certification period when you receive it (early November), under the section for wages earned before disability 3. Keep documentation of your work dates vs. payment dates 4. Remember there's a 7-day waiting period before benefits start I've helped dozens of people navigate the EDD system (I used to work in HR), and these questions about final paychecks come up constantly. The system isn't designed very intuitively, but you're doing the right thing by asking questions before filling out the forms!
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NeonNebula
•Thank you so much for this clear summary! With my pregnancy brain fog, having everything laid out step by step is incredibly helpful. I feel so much more confident about completing my application now.
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CosmosCaptain
Just wanted to add one more tip that helped me during my pregnancy disability claim - make sure to submit your application as soon as possible! I waited a few days thinking I had time, but then realized that SDI benefits are calculated from when you submit the claim, not necessarily from your disability start date. The sooner you get it in, the better. Also, if you're planning to take bonding time after your pregnancy disability ends, you'll need to file a separate PFL (Paid Family Leave) claim later. The systems are different even though they're both through EDD. I wish someone had told me this earlier so I could plan better! You've got this mama! The hardest part is just getting through all the paperwork. Once it's submitted, the waiting game begins but at least you'll have peace of mind knowing it's done correctly.
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Paolo Moretti
•This is such valuable advice! I had no idea about the timing issue with when you submit vs. when benefits start calculating. I'm definitely going to submit my application today now that I understand how to answer that pay question correctly. And thank you for mentioning the separate PFL claim - I would have been so confused when the time came to file for bonding leave! It's so helpful having people who've been through this process share their experiences.
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Natasha Kuznetsova
I just went through this exact same situation with my maternity leave in September! The wording on that question is so confusing - I stared at it for like 20 minutes trying to figure out what they meant. You should definitely answer "No" because that question is specifically asking about compensation you'll receive FROM your employer WHILE you're on disability (like sick pay, vacation time, etc.). Your final paycheck is just regular wages for hours you already worked before going on leave. One thing that really helped me was calling it "earned but unpaid wages" - that's how EDD refers to it in their system. When you do your bi-weekly certifications later, there's actually a specific box for exactly this situation where you can report wages that were earned before your disability but paid during your claim period. I know it's scary because you don't want to mess anything up, but you're asking all the right questions! Make sure to keep your pay stub from that final check showing the work dates vs payment date - it'll come in handy if they need clarification later. Good luck with everything, and congratulations on your pregnancy!
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Zoe Wang
•Thank you so much for sharing your recent experience! The term "earned but unpaid wages" really helps clarify what that final paycheck actually is - that makes it so much clearer why the answer should be "No." I love how you explained it step by step. It's such a relief knowing that other people have gone through this exact same confusion and came out fine on the other side. I'm definitely keeping that pay stub like you suggested!
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Yuki Tanaka
I'm so glad you asked this question because I was in the exact same boat when I went on disability earlier this year! The confusion is totally understandable - that question is worded in such a confusing way. Everyone here has given you great advice. The key thing to remember is that EDD is asking about whether you'll receive NEW compensation while disabled (like sick pay, PTO, etc.), not delayed payment for work you already completed. Your final paycheck is for hours worked before your disability started, so definitely answer "No." One additional tip that saved me stress later: when you get that final paycheck in November, take a photo of the pay stub showing the work period dates. I had to provide this documentation to EDD during my claim review, and having it ready made the process super smooth. They just wanted to verify that the payment was for pre-disability work. Also, make sure your doctor's office submits their part of the paperwork quickly! Sometimes there are delays on the medical side that can hold up your whole claim. You can follow up with them after a few days to make sure they've sent everything to EDD. You're being so smart by asking questions upfront rather than guessing. The pregnancy brain fog is real, but you've got this! Wishing you a smooth disability claim process and congratulations on your pregnancy!
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Gael Robinson
•This is such thorough and reassuring advice! I really appreciate you mentioning the doctor's office paperwork - I hadn't even thought about following up with them to make sure they submit their part on time. That's definitely something I'll check on in a few days. The tip about photographing the pay stub is brilliant too. It sounds like having all this documentation ready ahead of time can save so much headache later if they need to review anything. Thank you for taking the time to share all these practical tips from your own experience!
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Amaya Watson
I went through this exact same situation with my pregnancy disability last year! The wording of that question is so misleading - I remember staring at it forever trying to figure out what they actually wanted to know. You should definitely answer "No" to that question. What EDD is asking about is whether you'll receive any ongoing compensation FROM your employer while you're on disability leave - things like sick pay, vacation pay, or other benefits. Your final paycheck is just regular wages for work you already completed before your disability started. Think of it this way: you're not getting paid "while on disability" - you're getting paid for work you did BEFORE going on disability. The timing of when the check arrives doesn't matter, it's about when the work was performed. When you do your bi-weekly certifications later, there will be a specific section where you can report any wages that were earned before your disability but received during your claim period. This is super common and won't affect your benefits at all. I know the whole process feels overwhelming, especially with pregnancy brain fog (been there!), but you're doing great by asking these questions upfront. Keep all your documentation organized, and don't stress too much - you've got this! Congratulations on your pregnancy!
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Esteban Tate
•Thank you for explaining it that way - thinking about it as "when the work was performed" versus "when the check arrives" really makes it click! I was getting so caught up in the timing of the payment that I wasn't focusing on what actually matters. Your reassurance about the bi-weekly certification process is really helpful too - knowing there's a proper place to report that final paycheck later makes me feel so much better about answering "No" now. The pregnancy brain fog is definitely real, but having everyone's experiences and advice is making this whole process feel much less scary!
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NeonNova
I went through this exact same confusion when I was on pregnancy disability earlier this year! That question is so poorly worded - I must have read it 10 times trying to figure out what they actually meant. Everyone here is giving you the right advice: answer "No" to that question. The key is understanding that EDD wants to know if you'll be receiving any NEW pay or benefits FROM your employer WHILE you're on disability (like sick time, PTO, severance, etc.). Your final paycheck is just regular wages for work you already completed before your disability began - it's not "pay while on disability," it's delayed payment for pre-disability work. I made the mistake of overthinking it just like you are! But when I spoke to an EDD representative, they explained it this way: "Are you going to be earning money while you're unable to work?" The answer is no - that final check is money you already earned. Just make sure to keep good records of your last work day (10/15) vs your disability start date (10/17) vs when you receive that final check (November 3rd). During your bi-weekly certifications, you'll report that final paycheck in the appropriate section for "wages earned before disability but received during claim period." Don't stress too much - this is such a common situation and EDD has processes in place to handle it correctly. You're being smart by asking questions instead of just guessing! Good luck with your claim and congratulations on your pregnancy!
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Amina Diop
•This is exactly the kind of clear explanation I needed! I love how you framed it as "Are you going to be earning money while you're unable to work?" - that makes it so obvious that the answer is no. I was definitely overthinking it and getting caught up in the technicalities of when the payment arrives instead of focusing on when the work was actually performed. It's such a relief to hear from so many people who went through this exact same confusion and everything worked out fine. Thank you for the reassurance and congratulations! I feel so much more confident about filling out my application correctly now.
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Carmella Fromis
I'm going through this exact same situation right now with my own pregnancy disability claim! I started my leave on Monday and my final paycheck is coming next week. After reading everyone's responses here, I feel so much better about answering "No" to that confusing question. What really helped me understand it was thinking about it this way: EDD wants to know if I'll be getting paid BY my employer FOR the time I'm on disability (like using sick days or vacation time). Since my final check is just for regular hours I worked BEFORE going on leave, it's not "disability pay" - it's just delayed regular wages. I actually called my HR department to double-check how they were handling my final paycheck, and they confirmed it would show the actual work dates (before my disability started) on the pay stub, which should make everything clear to EDD if they ever need to review it. Thank you NeonNebula for asking this question - I was literally stressing about the same exact thing! And thank you to everyone who shared their experiences. It's so reassuring to know this is super common and there are proper procedures in place to handle it. The EDD system is confusing enough without having to guess what they actually mean by their questions!
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Carmen Sanchez
•It's so great to hear from someone going through this at the exact same time! Your HR department tip is really smart - I should probably check with mine too to make sure the pay dates are clearly shown on my final stub. It's amazing how much clearer this all becomes when you think about it as "delayed regular wages" rather than getting caught up in the timing. Thanks for sharing your experience and adding to this helpful discussion! Wishing you the best with your pregnancy disability claim too - sounds like we're both much more prepared now thanks to everyone's advice here.
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