EDD SDI claim confusion - doctor extended disability but IME says I'm cleared to work
I'm totally confused about what happens with my SDI benefits now. The Independent Medical Examiner (IME) that EDD sent me to cleared me to return to work on 7/26, but when I told my treating physician about this, she disagreed and extended my disability for another month (until 8/30/2025). The IME only spent like 15 minutes with me and didn't even look at my latest MRI results! My doctor says my back injury still needs more time to heal before I can safely return to my construction job. What happens to my disability benefits now? Does the IME decision override my doctor? Will my payments stop even though my regular doctor says I can't work? Has anyone dealt with conflicting medical opinions like this?
26 comments


Lucas Bey
This is a common issue with IMEs - they're paid by EDD to evaluate claims and often clear people to work sooner than treating physicians would recommend. When there's a conflict, EDD typically follows the IME's recommendation unless your doctor submits additional medical evidence showing why you still can't work. You should immediately have your doctor submit a new certification form (DE 2501) with detailed explanation of why you cannot return to work, including referencing those MRI results the IME didn't review. Call your doctor's office ASAP and make sure they understand the urgency.
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Charlotte Jones
•Thanks for explaining! I'll call my doctor tomorrow morning. Do you know if my benefits will stop immediately after 7/26 or is there some kind of grace period while this gets sorted out? I'm really worried about making rent next month if the payments suddenly stop.
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Harper Thompson
this happened to my brother last year!! the EDD doctor said he could go back but his real doctor said no way. he ended up losing benefits for like 3 weeks while they fought about it but then got back pay when his doctor sent in more paperwork. total nightmare tho
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Charlotte Jones
•Oh no, that's exactly what I'm afraid of! Did your brother have to appeal or did they just fix it once his doctor sent more information?
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Caleb Stark
I work in a medical office and we deal with this all the time. Here's what needs to happen: Your doctor needs to complete a supplemental medical certification explaining specifically WHY the IME assessment is incorrect. They should include: 1. Reference to objective findings (MRI results) 2. Specific functional limitations that prevent you from performing your job duties 3. Clear timeline for expected recovery with treatment plan Meanwhile, you should file an appeal right away if your benefits stop. You only have 20 days from the date of the determination to file an appeal. Don't wait for your doctor's new certification before appealing. Unfortunately, EDD often sides with their IMEs initially, so be prepared for a gap in payments. Document everything and keep following up.
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Charlotte Jones
•This is super helpful - thank you! I didn't realize I should file an appeal separately from having my doctor submit new information. Should I call EDD to explain what's happening or just wait for them to process the new medical certification?
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Jade O'Malley
I had the EXACT same thing happen to me in February!!!! The stupid IME said I was fine after a 10 minute appointment even though I could barely walk because of my herniated disc! I was SO MAD. My payments stopped for almost 4 weeks while we fought it. If you're going to call EDD, good luck actually reaching someone. I tried for DAYS and couldn't get through because of the "high call volume" BS they always use.
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Hunter Edmunds
•Its ridiculous how they treat us. The whole system is designed to kick people off benefits as fast as possible. I bet those IME doctors get bonuses for every person they clear!
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Ella Lewis
When this happened to me, I tried calling EDD disability for two weeks straight without ever getting through. I was about to give up when I found this service called Claimyr that got me connected to an EDD rep in about 20 minutes. It was worth every penny because I explained my situation directly to a claims examiner who put a note on my account and told me exactly what documentation they needed from my doctor. Saved me weeks of stress! You can check them out at claimyr.com - they even have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd
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Charlotte Jones
•Thank you! I'll definitely look into this. I've been trying to call since yesterday with no luck - just endless waiting and then disconnections. Anything to get this resolved faster sounds worth it at this point.
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Andrew Pinnock
Be careful here. IME reports often trigger fraud investigations if they contradict your treating physician by a significant margin. Make sure all your paperwork is completely accurate and consistent. EDD takes these IME reports very seriously since they've invested money in having them done. Your doctor needs to be very explicit about why construction work specifically is unsafe with your current condition.
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Charlotte Jones
•Oh no, I didn't even think about that angle! I've been 100% honest about everything, but now I'm worried they'll think I'm trying to commit fraud just because doctors disagree. This is so stressful.
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Brianna Schmidt
call ur doctor right now and tell them to fax a appeal letter to EDD!! my friend had this happen and she lost benefits for like 6 weeks it was a mess dont wait!!!!!
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Lucas Bey
•It's not actually an appeal letter the doctor needs to send - it's a supplemental medical certification form. And the claimant (not the doctor) needs to file the appeal. Just wanted to clarify so OP doesn't get confused.
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Lucas Bey
After reading all these responses, here's what you should do, in order: 1. Have your doctor immediately submit a supplemental medical certification with detailed reasons why you cannot return to your specific job duties 2. File an appeal yourself using the DE 1000M form within 20 days of receiving the IME determination 3. Use Claimyr or keep calling EDD to speak with someone about your case 4. Document every communication with EDD and your doctor 5. Prepare financially for a potential gap in payments The good news is that if your appeal is successful, you'll receive back payments for any missed weeks. The bad news is it might take 4-6 weeks to resolve.
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Charlotte Jones
•Thank you so much for laying it out so clearly. I've already called my doctor and they're preparing the supplemental certification today. I'm going to start working on that appeal form right now too. I appreciate everyone's help!
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Mei Wong
I went through this exact situation last year and it was incredibly stressful! The IME doctor spent maybe 20 minutes with me and didn't even review my recent test results either. What helped me was having my treating physician write a very detailed letter explaining not just that I couldn't work, but WHY - specifically mentioning the physical demands of my job that my injury prevented me from safely performing. They also referenced all the medical imaging and tests that the IME doctor didn't consider. It took about 5 weeks to get resolved, but I did eventually get all my back payments. The key is being very specific about your job requirements versus your medical limitations. Construction work has so many physical demands that an office job wouldn't have, so make sure your doctor addresses lifting, bending, standing for long periods, etc. Hang in there - it's frustrating but you can get through this!
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Ava Harris
•This is really encouraging to hear from someone who went through the same thing! I'm definitely going to make sure my doctor includes all those specific job requirements in the supplemental certification. Construction work is so physically demanding - there's no way I could safely lift materials or work on scaffolding with my back injury right now. Did you have to file a formal appeal too, or did the detailed doctor's letter alone get your benefits reinstated?
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The Boss
I'm so sorry you're dealing with this - the stress of potentially losing benefits while you're still injured is awful. One thing I learned when I had a similar situation is that you should also request a copy of the IME report if you haven't already received it. Sometimes there are factual errors in the report (like incorrect information about your job duties or medical history) that you can point out in your appeal. Also, if your doctor prescribed any specific restrictions like "no lifting over 10 pounds" or "no prolonged standing," make sure those exact restrictions are clearly stated in the supplemental certification and that it explicitly says these restrictions are incompatible with construction work. The more specific and job-related the medical restrictions are, the stronger your case will be. EDD has to consider whether you can perform your specific job, not just any job in general.
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Sasha Reese
•This is really great advice about requesting the IME report - I hadn't thought about checking for factual errors! My doctor did give me specific restrictions like no lifting over 15 pounds and no bending/twisting, which are impossible to avoid in construction. I'll make sure she includes those exact restrictions in the supplemental certification and clearly explains why they're incompatible with my job duties. It's helpful to know that EDD has to consider my specific job requirements, not just whether I could do some hypothetical office job. Thank you for taking the time to share these details!
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Tyrone Hill
I'm dealing with a similar situation right now and wanted to share what my disability attorney told me. When there's a conflict between your treating physician and an IME, EDD is required to consider both opinions, but they often give more weight to the IME initially since they paid for it. However, your treating physician's opinion should carry more weight because they have an ongoing relationship with you and complete knowledge of your medical history. The key is having your doctor submit a very thorough rebuttal that specifically addresses why the IME's conclusions are wrong. They should mention that the IME didn't review your latest MRI, explain how your specific injury affects your ability to do construction work, and provide a clear timeline for when you might actually be able to return. Also, don't be afraid to get a second opinion from another specialist if needed - sometimes having two doctors who agree can override one IME. The whole process is designed to be intimidating, but you have rights here. Stay persistent and document everything!
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Jamal Wilson
•Thank you for sharing what your attorney told you - that's really valuable insight! I didn't realize that my treating physician's opinion should actually carry more weight because of the ongoing relationship and complete medical history. That makes me feel a bit more hopeful about my situation. I'm definitely going to ask my doctor to specifically address why the IME's conclusions are wrong, especially since they didn't even look at my recent MRI results. The idea about getting a second opinion from another specialist is smart too - having two doctors who agree that I can't do construction work yet would probably be much harder for EDD to ignore. I really appreciate you mentioning that the process is designed to be intimidating but that I have rights. Sometimes it feels like the whole system is just trying to push people off benefits as quickly as possible, so it's good to be reminded that there are protections in place.
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Logan Greenburg
I'm going through something very similar right now and it's absolutely maddening! The IME doctor I saw spent literally 12 minutes with me, didn't ask about my job duties at all, and completely ignored the physical therapy notes showing I still have significant range of motion issues. Meanwhile my orthopedist who has been treating me for 4 months says I'm nowhere near ready to return to my warehouse job. What really gets me is that these IME doctors seem to have a quota or something - like they're incentivized to clear as many people as possible. I've heard from multiple people that the same IME doctors consistently clear everyone they see, regardless of the actual medical situation. It feels like such a rigged system. I'm currently waiting to hear back about my appeal, but reading everyone's experiences here at least makes me feel less alone in this mess. The financial stress while waiting for resolution is almost worse than the actual injury sometimes. Stay strong and keep fighting - it sounds like you're taking all the right steps!
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Pedro Sawyer
•I completely understand your frustration - it really does feel like a rigged system sometimes! The fact that these IME doctors spend such little time with patients and don't even consider job-specific requirements is infuriating. You're absolutely right that it seems like they have some kind of quota to meet. I've been reading through all these responses and it's both comforting and depressing to see how common this issue is. The financial stress while waiting for appeals is honestly brutal - I'm already worried about next month's rent if my benefits get cut off. It's like they're betting that people will just give up and go back to work injured rather than fight through their bureaucratic maze. But seeing stories from people who eventually won their appeals gives me hope. We shouldn't have to choose between our health and paying bills! I hope your appeal goes through quickly - please update us when you hear back. It really does help to know we're not going through this alone.
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Zoe Papadakis
I'm so sorry you're dealing with this - the whole IME system feels completely broken when doctors who barely know your case can override physicians who've been treating you for months. I went through something similar with a shoulder injury last year and the stress was unbelievable. One thing that really helped me was having my doctor include photos of my work site in the supplemental certification to show EDD exactly what my job entailed. Construction work is so physically demanding and variable - it's not like you can just "take it easy" when you're working with heavy materials, climbing scaffolding, or working in awkward positions all day. My treating physician took pictures during my appointment showing my limited range of motion and included those too. It made the case much more visual and concrete rather than just medical jargon. Also, if you have any coworkers who can write letters describing the physical demands of your specific job tasks, that can be powerful supporting evidence. The whole process took about 6 weeks for me but I did get all my back pay. Don't let them bully you into going back before you're truly ready - a re-injury could set you back months and put you in an even worse financial situation. You know your body better than some doctor who spent 15 minutes with you!
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QuantumQuest
•That's such a brilliant idea about including photos of the work site and demonstrating the limited range of motion during the appointment! I never would have thought of making it that visual and concrete. You're absolutely right that construction work isn't something where you can just "take it easy" - every task involves heavy lifting, awkward positions, or potentially dangerous situations where a moment of weakness or limited mobility could cause a serious accident. I'm definitely going to ask my doctor if we can document my current limitations with photos during my next appointment, and I'll see if any of my coworkers would be willing to write letters about what our daily tasks actually involve. It's so frustrating that we have to go to these lengths to prove what should be obvious, but if it helps get my case resolved faster, it's worth it. Thank you for sharing your experience and for the reminder that I know my body better than someone who barely examined me - I really needed to hear that right now!
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