EDD DE 2593 form confusion: How to report disability insurance payments?

Ugh, I feel ya. Those forms are a nightmare! 🤦‍♂️ I had a similar situation with my private disability insurance. What I did was answer 'No' to that question since it's not coming from your employer. Then in the additional comments section, I explained about the disability insurance payments. Better to over-explain than leave them guessing, ya know?

I've been through this rodeo before, and here's what I've learned: 1. Answer 'Yes' to the question. It's asking about ANY income, not just employer wages. 2. In the details section, clearly explain it's from a private disability insurance policy, NOT your employer. 3. Provide the exact amount you received and the dates. 4. If possible, attach documentation showing the source of the payments. 5. Keep copies of everything you submit. Remember, it's always better to over-disclose. They can sort out what's relevant, but hiding info can bite you in the butt later. Good luck!

lmao welcome to the wonderful world of government paperwork 🤡 where nothing makes sense and everything is designed to trip you up

Has anyone actually tried calling EDD to ask about this? I've been on hold for like 3 hours and I'm about to lose my mind 😫

Am I the only one who thinks its ridiculous that we need a freaking PhD to fill out these forms? 🙄 The system is broken, y'all.

Quick question - does anyone know if the amount you receive from disability insurance affects your unemployment benefits? I'm in a similar boat and now I'm worried about that too 😰

Hey OP, just wanted to say hang in there. I know how stressful this stuff can be. Sending good vibes your way! ❤️

I went through this exact same situation last year! The key thing to remember is that the form is asking about "employer wages" specifically - so if your disability insurance is from a private policy you purchased (not through your employer), then technically you should answer "No" to that question. However, I'd still mention it in the additional comments section just to be transparent. I wrote something like "Receiving payments from private disability insurance policy (not employer-provided)" and included the monthly amount. They never questioned it or asked for more info. The important thing is being clear that it's NOT coming from your employer. Hope this helps ease your stress a bit!

Just wanted to add my two cents as someone who's been through this maze before. I think there's some conflicting advice here, so let me share what actually happened when I dealt with EDD about disability payments. The truth is, the form can be interpreted different ways, but here's what I learned from my case worker: if it's truly a private disability policy that YOU paid for (not employer-sponsored), then you're not technically receiving "employer wages." However, you absolutely should still disclose it somewhere on the form or in the additional comments. What I did was answer "No" to the employer wages question, but then in the remarks section I wrote: "Receiving $X/month from private disability insurance policy (policy holder: [my name], not employer-provided)." I also included the insurance company name and policy number. The key is being crystal clear about the source. EDD cares more about transparency than getting the "right" answer to a confusing question. They can always ask for clarification if needed, but they get really upset if they think you're hiding income. @Diego Mendoza - don't stress too much about this. Just be honest and thorough in your explanation. You've got this! 💪

I'm going through something similar right now and honestly, the stress is real! 😅 What I've learned from reading through all these responses is that transparency is key, but the way you present the information matters too. I ended up calling my insurance company first to get a clear letter stating that my disability policy is privately owned (not employer-sponsored) and that I've been paying the premiums myself. Having that documentation made me feel way more confident when filling out the form. For what it's worth, I went with the approach of answering "No" to the employer wages question since my payments aren't coming from my employer, but then I wrote a detailed explanation in the additional comments: "Receiving disability benefits from private insurance policy [Policy #XXXXX] with [Insurance Company Name]. This is NOT employer-provided coverage - I pay all premiums personally. Monthly benefit amount: $XXXX." The whole process is nerve-wracking, but I think as long as you're upfront about everything, you should be okay. EDD seems to appreciate when people provide clear documentation rather than leaving them to guess. Good luck, and don't let the bureaucracy get you down! 🙏

Hey everyone! As someone who just went through this exact situation a few months ago, I wanted to share what worked for me. I was getting payments from a private disability policy I've had for years (totally separate from my employer) and was super confused about how to handle the DE 2593 form. After reading all the great advice here, I ended up doing a combination approach: 1. Answered "No" to the employer wages question since it's not from my employer 2. In the additional comments section, I wrote: "Receiving monthly disability benefits from private insurance policy [Policy #]. This is personal coverage, NOT employer-provided. I pay all premiums myself. Monthly amount: $XXX" 3. I also attached a copy of my policy declaration page showing my name as the policyholder The whole thing went smoothly - no follow-up questions or issues. The key really is being super clear about the source and making sure they understand it's private coverage. @Diego Mendoza - don't overthink it too much! Just be transparent and detailed in your explanation. The fact that you're asking these questions shows you want to do the right thing, and EDD appreciates that honesty. You've got plenty of good advice to work with here! 👍

I went through this exact same nightmare last year and can totally relate to your confusion! The wording on these forms is absolutely terrible. Here's what I learned after dealing with EDD for months: The key distinction is WHERE the money is coming from. If it's a disability policy that YOU purchased and pay premiums for (not through your employer's benefits package), then it's NOT "employer wages" - even though the form makes it sound like any income should be reported there. Here's what I did that worked: - Answered "No" to the employer wages question - In the additional information section, wrote something like: "Receiving $XXX monthly from private disability insurance policy #[number] with [company name]. This is personal coverage that I pay for independently - NOT employer-sponsored benefits." - Kept detailed records of everything The most important thing is being crystal clear that it's YOUR private policy, not something provided by your employer. EDD just wants to make sure you're not double-dipping on benefits or getting paid by an employer while claiming unemployment. Don't stress too much about getting it "perfect" - they care way more about honesty than getting every checkbox exactly right. As long as you're transparent about the source and amount, you'll be fine. This community has your back! 💪

I just wanted to jump in and say how helpful this entire thread has been! I'm dealing with the exact same situation - private disability insurance payments while on unemployment - and I was honestly panicking about how to handle the DE 2593 form. Reading through everyone's experiences has been such a lifesaver. The consensus seems pretty clear: be transparent, distinguish between private vs employer-provided coverage, and document everything. I especially appreciate the practical tips like getting a letter from your insurance company and attaching policy documents. @Diego Mendoza - you asked a question that clearly a lot of us needed answered! Based on all the advice here, it sounds like you're in good hands. The fact that so many people have successfully navigated this exact scenario is really reassuring. One thing I'm taking away from all this is that EDD's forms could definitely be clearer, but their main concern is honesty and transparency. As long as we're upfront about our situations and provide clear documentation, we should be okay. Thanks to everyone who shared their real experiences - this is exactly why communities like this are so valuable! 🙏

Hey @Diego Mendoza! I'm actually in almost the exact same boat right now - private disability insurance while dealing with unemployment paperwork. Reading through all these responses has been SO helpful! I was literally about to ask the same question because that DE 2593 form wording is confusing as heck. From what everyone's shared, it sounds like the key is making it crystal clear that your payments are from YOUR private policy, not employer-provided benefits. I'm planning to follow the advice from @Sara Hellquiem and @Sofia Torres - answer "No" to the employer wages question since it's not coming from your employer, but then be super detailed in the additional comments about the private policy. Getting that documentation from your insurance company like @Kelsey Hawkins suggested is brilliant too. It's crazy how many of us are dealing with this exact situation! But honestly, reading everyone's success stories makes me feel way more confident. The fact that multiple people have gone through this process smoothly by just being transparent is really reassuring. Thanks for starting this thread - you've helped way more people than just yourself! We've got this! 💪

I just went through this exact situation a couple months ago and wanted to share my experience to hopefully help ease some of the stress! I had private disability insurance payments while filling out the DE 2593 form and was completely lost on how to handle it. After researching and talking to an EDD representative (took forever to get through, but I finally did), here's what I learned: The form is specifically asking about "employer wages" - so if your disability insurance is a private policy that YOU pay for, it's not technically employer wages. However, you absolutely should disclose it for transparency. What worked for me: 1. Answered "No" to the employer wages question since my payments weren't from my employer 2. In the additional comments section, I wrote: "Receiving monthly disability benefits from private insurance policy [Policy #XXXXX] with [Insurance Company]. This is personal coverage paid for by me, NOT employer-sponsored. Monthly amount: $XXXX." 3. I also included a copy of my insurance declaration page showing I'm the policy owner The EDD rep told me this was exactly the right approach - they appreciate the transparency and clear documentation. No follow-up questions, no issues with my claim. The key is just being super clear about the source of the payments. Don't overthink it - honesty and documentation are your best friends here! You've got this! 🙏

Wow, this thread has been such a goldmine of information! I'm currently dealing with the exact same situation - private disability insurance while filling out EDD forms - and I was honestly panicking about it until I found this discussion. What I'm taking away from everyone's experiences is that the key is being crystal clear about the distinction between private vs employer-provided coverage. It sounds like most people have had success answering "No" to the employer wages question (since it's not coming from your employer) but then being super detailed in the additional comments section about the private policy. The documentation tips are incredible too - getting a letter from your insurance company and including policy declaration pages is such smart advice that I never would have thought of on my own. @Diego Mendoza - thank you for asking this question! You've helped so many of us who were struggling with the same confusion. Based on all the success stories shared here, it sounds like transparency and clear documentation are really the way to go. The fact that multiple people have navigated this successfully using similar approaches is so reassuring. This community is amazing - turning what felt like an impossible bureaucratic puzzle into something manageable with real-world advice and support! 🙏

I just wanted to add my experience since I went through this exact same situation about 6 months ago! I had a private disability policy that I'd been paying into for years, and when I had to fill out the DE 2593 form, I was completely stumped by that employer wages question. After reading through all the amazing advice in this thread, I'm seeing the same approach that worked for me: answer "No" to the employer wages question since it's genuinely not coming from your employer, but then be super transparent in the additional comments section. What I wrote was something like: "Receiving disability benefits from private insurance policy #[number] with [company name]. This is NOT employer-provided coverage - I am the policyholder and pay all premiums myself. Monthly benefit: $XXX." I also called my insurance company and had them send me an official letter confirming that I own the policy and pay the premiums independently. Having that documentation gave me so much peace of mind when submitting the form. The whole process went smoothly - no follow-up questions or complications. EDD just wants to make sure you're not getting paid by an employer while claiming benefits, so as long as you're clear that it's YOUR private policy, you should be golden. @Diego Mendoza - based on everyone's experiences here, you're definitely on the right track by asking these questions and wanting to be honest. The fact that so many people have successfully handled this exact scenario should give you confidence! 💪

This thread has been absolutely incredible! I'm dealing with the exact same situation right now - private disability insurance while navigating EDD paperwork - and I was honestly losing sleep over how to handle that confusing employer wages question on the DE 2593 form. Reading through everyone's real experiences has been such a lifesaver. The consensus is crystal clear: answer "No" to the employer wages question since it's genuinely not coming from your employer, but be super transparent in the additional comments section about your private policy. I'm definitely going to follow the approach that so many of you have used successfully: 1. Answer "No" to employer wages (because it's not!) 2. Write detailed explanation in comments: "Receiving $XXX monthly from private disability insurance policy #[number] with [company]. This is personal coverage that I pay for independently - NOT employer-sponsored." 3. Get documentation from insurance company like @Kelsey Hawkins and @Drake suggested What really stands out to me is how many people have gone through this exact process without any issues. It's so reassuring to see that EDD really does just want transparency and clear documentation rather than trying to trip us up. @Diego Mendoza - you asked the perfect question that clearly so many of us needed answered! Thanks for starting this discussion and helping all of us stressed-out claimants figure this out together. This community support is everything! 🙏

Just wanted to chime in as someone who's currently going through this exact same situation! I have a private disability policy that I've been paying into for about 5 years, and when I got to that question on the DE 2593 form, I literally sat there staring at it for like 20 minutes trying to figure out what they wanted 😅 Reading through all these responses has been SO incredibly helpful - I was honestly starting to panic about whether I'd mess up my claim by answering wrong. But it sounds like the key really is just being crystal clear about the source of the payments. I'm definitely going with the approach that seems to have worked for everyone: answering "No" since it's not employer wages, but then being super detailed in the additional comments section. I love the idea of getting documentation from my insurance company too - I never would have thought of that on my own but it makes total sense to have that backup. @Diego Mendoza thank you so much for asking this question! You've literally saved me (and clearly a bunch of other people) from so much stress and confusion. It's amazing how many of us are dealing with this exact same situation. This community is seriously the best - turning bureaucratic nightmares into manageable problems with real advice from real people who've been there! 🙏