EDD SDI coverage for surgery in foreign country - can I file a claim?
I need to have inguinal hernia surgery in Colombia next month because it's WAY more affordable than here in California (like $3,200 vs $14,500 without insurance). My job doesn't offer health insurance and I can't afford the out-of-pocket costs in the US. I've been paying into CA SDI through my paychecks for years. My question is: Can I still file for disability benefits when I get back since I won't be able to work during recovery? The doctor said recovery is 4-6 weeks minimum before I can return to my construction job. How do I even start the process with a foreign medical provider? Has anyone successfully filed SDI after medical treatment outside the US?
23 comments


Ravi Choudhury
I went thru something similar last year. EDD is SUPER strict about medical providers and i dont think they'll accept foreign doctors paperwork. You need a cali-licensed doctor to sign the disability forms. My cousin tried to get disability after emergency appendix surgery in Mexico and they denied him!!
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Isabella Silva
•Seriously?? That's so frustrating. I can't afford the surgery here but I also can't afford to miss 6 weeks of work without any income. There's got to be some way to make this work...
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Freya Andersen
The previous comment isn't entirely accurate. You can potentially qualify for SDI benefits even with surgery performed outside the US, but you need to follow specific steps: 1. The medical provider needs to complete the medical certification portion of the claim (DE 2501) - it doesn't matter where they're located, but the form must be properly completed 2. You'll need certified translations of all medical documentation if not in English 3. You'll need a California-licensed doctor to verify your condition and recovery needs when you return 4. File your claim within 49 days of disability beginning The key is having proper documentation and a California doctor who will certify your recovery period. I've helped clients successfully navigate this situation.
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Isabella Silva
•Thank you! This gives me hope. So if I understand correctly, I should have the Colombian surgeon complete the medical forms, get them translated officially, then find a doctor here who can verify my recovery needs when I return?
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Omar Farouk
my freind had this exact issue!!!! he had knee surgery in mexico. what he did was saw his regular doctor in cali before he left and then again when he got back. the doctor knew about the surgery plan and agreed to sign off on the disability paperwork. he got approved no problem.
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Isabella Silva
•That's a great idea. I do have a primary care doctor here who referred me to a specialist (that I couldn't afford). Maybe I can talk to my primary doctor about this plan before I leave.
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CosmicCadet
As someone who's worked with disability claims, I can confirm that a California-licensed physician needs to certify your disability, but they don't necessarily need to perform the procedure. The important parts are: 1. Your condition must prevent you from performing your regular work 2. You need proper medical documentation of the procedure and recovery needs 3. A California physician must certify your disability I recommend scheduling an appointment with your California doctor before you leave to document your condition, then again immediately upon return so they can verify your post-surgical status and recovery timeline. Make sure to bring all surgical records and have them professionally translated.
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Chloe Harris
•not all doctors will do this tho. my doctor refused to sign disability paperwork for a procedure he didnt do himself. said it was a liability issue or something. might need to find a different doctor who's willing
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Diego Mendoza
just wondering why your going all the way to colombia? have you checked medi-cal or covered california? or even county medical services? sometimes they can cover surgeries like this if your income is low enough
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Isabella Silva
•I make too much for Medi-Cal but not enough to afford decent insurance. I've checked everything - even with Covered California the deductibles are so high I'd still be paying thousands out of pocket. In Colombia, the entire procedure plus two weeks stay with family is still cheaper than just my portion here.
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Anastasia Popova
Have you been able to reach EDD directly to ask about this? I had a similar situation (not surgery but medical treatment abroad) and spent WEEKS trying to get through to someone who could give me a clear answer. I finally found this service called Claimyr (claimyr.com) that got me connected to an actual EDD agent in about 20 minutes instead of spending hours on hold. They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd. The agent I spoke with was able to tell me exactly what documentation I needed for my specific situation, which saved me from getting denied.
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Isabella Silva
•I haven't been able to get through to anyone! I'll definitely check this out before I leave - would be good to know exactly what documentation I need to bring back with me.
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Ravi Choudhury
BE CAREFUL with the dates!! The 7-day waiting period starts when your disability begins, not when you file. So if your surgery is June 5 for example, your SDI benefits would start June 12 (if approved). Don't miss the 49-day deadline to file!!!
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Isabella Silva
•Good point! I'll be sure to file as soon as I get back. My surgery is scheduled for July 10th so I should be back in CA by July 25th at the latest.
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Sean Flanagan
I think everyones missing something important here - EDD will want to know WHY you couldnt get the surgery in california. I had a similiar issue and they kept asking why i chose to go elsewhere. They might see it as an elective choice rather than medical necessity, which could affect your claim. Just be prepared to document the cost difference and that you couldnt afford US prices. Also bring PROOF of the actual surgery (not just a doctors note) like surgical reports, hospital admission paperwork, medication prescriptions, etc.
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Freya Andersen
•This is partially incorrect. SDI doesn't typically deny claims based on where you received treatment as long as you have proper medical certification. The issue is about whether you're unable to work due to a medical condition, not where you chose to have it treated. Cost considerations are a legitimate reason for seeking treatment abroad. The key is proper documentation and certification.
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Isabella Silva
Update: I spoke with my primary doctor today and he said he'd be willing to examine me before I leave and document my hernia, then see me when I return to verify the surgery and recovery needs. He said he could complete the medical certification form based on the surgical reports if I get everything translated properly. Thank you all for the advice! Still nervous about the whole process, but feeling more confident now.
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Omar Farouk
good luck man!!! get everything in writing and take pics of EVERYTHING. dont trust that theyll keep track of your paperwork lol
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Isabella Silva
•Definitely! I'm planning to make copies of everything and take pictures of all documents before submitting anything.
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Victoria Stark
That's great news that your primary doctor is willing to help! Just wanted to add a few more tips from my experience helping people with similar situations: 1. Make sure to get the surgical center's contact information in case EDD needs to verify anything directly 2. Ask your Colombian surgeon to include specific details about work restrictions (like no lifting over 10 lbs, no bending, etc.) in their report - EDD loves specifics 3. Consider getting a letter from your employer confirming your job duties require physical work that would be restricted post-surgery 4. Keep all your travel documents (boarding passes, passport stamps) as proof of timeline The fact that your primary doctor is documenting everything before and after should really strengthen your case. Good luck with the surgery and recovery!
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Dmitri Volkov
•This is such helpful advice! I hadn't thought about getting a letter from my employer about my job duties. I work in construction so there's definitely a lot of heavy lifting, climbing, and physical work that would be impossible after hernia surgery. I'll ask my boss for something in writing about what my daily tasks involve. Also good point about keeping all travel documents - I'll make sure to save everything. Thanks for thinking of these details!
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Natasha Kuznetsova
One more thing to consider - make sure you understand Colombia's medical record system and how to get copies of everything you'll need. Some countries have different documentation standards than what EDD expects. I'd recommend asking the Colombian surgical center upfront what records they provide post-surgery and if they can format them in a way that includes all the details California might want (procedure codes, recovery timeline, work restrictions, etc.). Also, find out about their policy for providing additional documentation if EDD requests more info later - you don't want to be stuck trying to get extra paperwork from abroad months after your surgery. The more prepared you are on the documentation side, the smoother your SDI claim should go.
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Paige Cantoni
•That's excellent advice about the documentation standards! I'm actually planning to visit the surgical center next week for my consultation, so I'll definitely ask them about their record-keeping practices and what specific documents they can provide. I'll also ask if they're familiar with US disability requirements - since medical tourism is pretty common, they might already know what foreign patients typically need. Do you think it would be worth having them include English translations right from the start, or is it better to get certified translations done here in California?
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