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!
18 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
AuthorOmg 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
AuthorThis 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
AuthorThanks 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
AuthorThat'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
AuthorWait, 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
AuthorThank 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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