Confused about high remaining EDD SDI benefit amount with return-to-work date next week
I'm currently on SDI for a back injury I got moving equipment at work. My doctor just cleared me to return to work next week, but I'm super confused about my benefit amounts. I just checked my SDI Online account and it shows my monthly benefit amount is $1,064 with a remaining benefit amount of $13,024! That seems ridiculously high considering I'm supposed to return to work in 7 days. Does anyone know what this means? Will I still get disability payments after returning to work? Am I misunderstanding something about how the "remaining benefit" works? Part of me wonders if I should ask my doctor to extend my recovery time since there seems to be so much money left in my claim... but I don't want to do anything sketchy or illegal. My back still hurts sometimes but it's manageable. Basically - why is my remaining benefit amount so high and what happens to that money when I go back to work?
17 comments


Brielle Johnson
The remaining benefit amount is just the maximum you COULD receive if your disability lasted the full 52 weeks. It's not money you're guaranteed to get. When you return to work, your SDI claim ends and you stop receiving benefits - you don't get that remaining amount.
0 coins
Jake Sinclair
•Oh! That makes so much more sense. So it's just showing the theoretical maximum I could get if I stayed on disability for a full year? I thought maybe I was leaving money on the table by returning to work too soon.
0 coins
Honorah King
i had the same confusion last yr. basicaly its jusst showing u the maximum amount u could get for the entire year. once u go back to work u just stopp getting payments. u can always refile if ur injury gets worse again tho
0 coins
Jake Sinclair
•Thanks! Good to know I can refile if something happens. My job involves some heavy lifting so I'm a little nervous about re-injuring myself.
0 coins
Oliver Brown
To provide some additional clarity: 1. Your SDI claim establishes a 12-month benefit period from the date your disability began 2. The $13,024 represents your maximum entitlement if you remained disabled for the full period 3. You only receive benefits for the days you're certified as disabled by your doctor 4. Once you return to work, you must stop certifying and benefits end 5. If your condition worsens within that 12-month window, you can reopen your claim without a new waiting period Do NOT extend your disability period unnecessarily - that would be considered fraud and could result in penalties and repayment requirements. Only follow your doctor's medical advice regarding your return-to-work date.
0 coins
Jake Sinclair
•This is really helpful, thank you! I definitely don't want to do anything fraudulent. I was just confused about why the remaining amount was so high. I'll go back when my doctor recommends. One last question - do I need to notify EDD when I return to work or does that happen automatically when I stop certifying?
0 coins
Oliver Brown
You should definitely notify EDD when you return to work. You can do this by calling the EDD SDI phone number or indicating it on your last certification form. This ensures your claim is properly closed and prevents any potential overpayment issues.
0 coins
Mary Bates
•Good luck getting through to EDD on the phone!! I spent THREE WEEKS trying to reach someone about my disability extension. Endless busy signals, disconnected calls, and the dreaded "we're experiencing high call volume" message. TOTAL NIGHTMARE.
0 coins
Clay blendedgen
I think everyone is missing an important point here!!! If your back still hurts you SHOULD NOT go back to work yet!!! I went back too early after my shoulder surgery because I needed the money and ended up MUCH WORSE and had to get a second surgery!! The system is designed to pressure us to return before we're healed. If your doctor is rushing you, get a second opinion!!
0 coins
Honorah King
•this is actually good advice. dont go back if ur not ready
0 coins
Ayla Kumar
Just make sure you stop certifying once you return to work! I accidentally certified for one period after I went back and got an overpayment notice 6 months later. Had to repay $537 plus they wanted to add a 30% penalty for "willful misrepresentation" which was ridiculous since it was just a mistake. Had to go through this whole appeal process. What a headache.
0 coins
Jake Sinclair
•Yikes, that sounds awful! Thanks for the warning. I'll definitely make sure to stop certifying immediately when I return.
0 coins
Brielle Johnson
To summarize what everyone's said: 1. The remaining balance is just the maximum potential benefit for a full 52-week claim period 2. Benefits stop when you return to work and properly notify EDD 3. Your claim remains open for one year from your initial disability date 4. If you need to stop working again for the same condition within that year, you can reactivate without a new waiting period 5. Always follow your doctor's guidance on return-to-work timing 6. Notify EDD when you return to work and stop certifying Hope this helps clarify things!
0 coins
Jake Sinclair
•This is perfect - thank you for the clear summary! I understand how it works now.
0 coins
Kylo Ren
As someone who went through a similar back injury situation, I just wanted to add that it's totally normal to feel nervous about returning to work, especially with a physical job. Since you mentioned your work involves heavy lifting, you might want to ask your employer about any accommodations they can make during your first few weeks back - like lighter duties or modified tasks. Many employers are required to provide reasonable accommodations under the ADA. Also, don't hesitate to communicate with your doctor if you start having increased pain after returning. It's better to address issues early rather than push through and risk a more serious re-injury. Good luck with your return to work!
0 coins
Yara Elias
•That's really great advice about asking for accommodations! I hadn't thought about that but it makes total sense. My employer has been pretty understanding so far, so hopefully they'll work with me on modified duties for the first few weeks. I'm definitely going to keep a close eye on how my back feels and not try to be a hero about it. Thanks for sharing your experience - it's reassuring to hear from someone who went through something similar.
0 coins
Zainab Khalil
I went through something very similar with my SDI claim last year! The remaining benefit amount definitely threw me off at first too. Just to add to what everyone else has said - when you do go back to work, make sure you keep all your documentation from EDD about when your claim officially ended. I had to provide proof to my employer's HR department that my disability leave was properly closed out. Also, if your workplace has an Employee Assistance Program (EAP), they might be able to help you navigate the transition back to work and any accommodation requests. The first few weeks back can be mentally challenging too, not just physically. Take care of yourself!
0 coins