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Leila Haddad

EDD SDI for pregnancy after UI benefits - confused about 'last day worked' on disability form

I'm 28 weeks pregnant and currently receiving unemployment benefits after being laid off from my marketing job in October. My doctor wants me to stop working now due to pregnancy complications (high blood pressure and swelling). I need to transition from UI to SDI, but I'm confused about filling out the disability claim form. For the 'last day worked' question, do I put the actual date I was laid off back in October? Or should I put today's date since technically I've been 'available for work' while on unemployment? I'm worried about messing this up and having my claim denied or delayed. Has anyone gone from unemployment to pregnancy disability before? Any advice would be super appreciated!

You should put your actual last physical day of work (the October date when you were laid off). EDD considers that your last day worked even though you've been on UI. Make sure you also notify the UI department that you're no longer able to work so they stop your unemployment benefits - otherwise you could end up with an overpayment situation. When I transitioned from UI to SDI last year, I made the mistake of continuing to certify for UI for a week after my disability started and had to pay it back.

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Thank you so much! That makes sense. So I'll put October 14th (my last day at work) on the form. Do you know if there's a waiting period between stopping UI and getting my first SDI payment? I'm worried about having no income for a while.

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put the actual last day u worked at your job!! not the day u stopped UI. i made that mistake and my claim got delayed for like 3 weeks while they investigated. such a headache!!!

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Omg thank you for the warning! I definitely don't want any delays. Did they eventually approve your claim or did you have to submit additional documentation?

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they approved it eventually but i had to call them like 6 times to explain the situation. so frustrating!!!

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I went through this exact situation in 2023!!! Put the October date as your last day worked. But here's what's SUPER IMPORTANT that nobody told me - you need to make sure you STOP certifying for UI benefits the week before your SDI begins. There's a 7-day waiting period for SDI where you don't get paid by anyone, and if you accidentally collect UI during your SDI waiting period, you'll have a HUGE MESS to fix later!!! The EDD computer systems don't talk to each other well and they'll flag your account for fraud investigation if you overlap even by one day!

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Thank you for this warning! I had no idea about the waiting period. So should I stop certifying for UI the week before my doctor's date on my disability paperwork? I don't want to lose money but I REALLY don't want to deal with a fraud investigation!

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Yes! Stop UI exactly 7 days before your SDI start date. You'll lose a week of income but trust me, it's better than dealing with the alternative. I had to repay UI and was locked out of my account for 6 weeks while they figured it out. NOT worth it when you're dealing with pregnancy stress.

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I'm an EDD case specialist and can provide some clarification. When transitioning from UI to SDI for pregnancy disability: 1. Your "last day worked" should be the actual last day you physically worked at your job before being laid off (the October date). 2. There is a mandatory 7-day waiting period for SDI benefits where no benefits are paid. 3. You must stop certifying for UI benefits as of the date your doctor certifies you're unable to work due to your pregnancy. 4. The two benefit systems (UI and SDI) will not automatically communicate with each other - you need to manually stop your UI claims. 5. For your pregnancy disability claim, make sure your doctor clearly indicates that your disability is pregnancy-related but separate from normal pregnancy. Standard pregnancy disability typically begins 4 weeks before your due date, but with complications, it can start earlier with proper medical documentation. Let me know if you have any other questions about the process.

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Thank you for such a clear explanation! One more question - when my pregnancy disability benefits run out (I believe that's 4 weeks after delivery), can I then apply for Paid Family Leave to bond with my baby? Or does the fact that I was on UI before my disability affect my PFL eligibility?

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Yes, you can transition from pregnancy disability to Paid Family Leave for bonding. Your prior UI doesn't affect PFL eligibility as long as you were paid SDI benefits first. Typically, pregnancy disability provides benefits for up to 4 weeks before delivery and 6-8 weeks after (8 weeks for c-section), then you can receive up to 8 weeks of PFL bonding benefits. Just make sure to file your PFL claim before your SDI benefits end to avoid any gaps in payment.

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I had the EXACT SAME QUESTION last year!!! It's so confusing! I put down my last physically worked day (which was from 7 months earlier) and my claim was approved. But then I accidentally certified for UI for that waiting week and ended up with an overpayment. I spent HOURS on the phone trying to fix it and couldn't get through to anyone at EDD! I eventually used a service called Claimyr (claimyr.com) to get through to an actual EDD agent who fixed everything for me. They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd Just wanted to share since getting through to EDD directly is nearly impossible these days. Good luck with your pregnancy!

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does that service actually work? i tried calling edd like 50 times last month and never got through!!!

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It worked for me! I was skeptical too but I was desperate after trying for 3 weeks to get through. I had my overpayment issue resolved in one call once they connected me.

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Wait I'm confused about something - I thought you couldn't get disability if you were already on unemployment? Aren't they mutually exclusive since UI requires you to be able and available for work, but disability is for when you CAN'T work? Did the rules change recently?

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You're right that you can't collect both at the same time. What happens is you stop your UI claims when you become disabled and unable to work, then switch to disability. They're separate programs for different situations, and your eligibility can change over time - like when pregnancy complications make someone unable to work when they were previously able and looking for work.

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Oh that makes sense! I didn't realize you could switch between them. Thanks for explaining!

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theres a box on the SDI form where u can explain special circumstances. i would write a note there explaining u were on UI after being laid off. just to be clear. the more info the better IMO

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That's a good idea! I'll definitely add that explanation to avoid any confusion. Thank you!

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One more important thing - make sure your doctor is very specific about your disability being due to pregnancy complications (high blood pressure and swelling) rather than just a normal pregnancy. Standard pregnancy disability usually only starts 4 weeks before your due date, but with complications properly documented, you can start earlier. Ask your doctor to be very clear about why you can't work now, otherwise EDD might deny your claim or only approve it starting at the standard 36-week mark.

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Thank you for pointing this out! I'll make sure my doctor specifies the complications on the medical certification. She mentioned writing that I can't work due to pregnancy-induced hypertension requiring bed rest. Hopefully that will be clear enough for EDD to understand.

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I went through this same transition last year! Just wanted to add a few things that helped me avoid issues: 1. Keep ALL your paperwork from both UI and SDI - I had to reference my UI claim dates when there was a question about my SDI timeline 2. Take screenshots of your last UI certification and the date you stop certifying - this saved me when EDD questioned whether I had properly ended my UI claim 3. Ask your doctor to put the START DATE of your disability on the medical form, not just sign it - mine initially just signed without specifying when my disability began and it caused a delay 4. If you have any saved sick/vacation time from your old job, that might affect your SDI calculation, so mention it when you file The pregnancy-induced hypertension should definitely qualify you for early disability before the standard 36-week mark. Wishing you a healthy rest of your pregnancy and hoping your claim goes smoothly! The EDD process is stressful enough without pregnancy complications on top of it.

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This is such helpful advice, thank you! I never would have thought about taking screenshots of my UI certifications - that's really smart. Quick question about the saved sick/vacation time - I do have about 2 weeks of unused PTO from my old job that they're supposed to pay out. Will that money affect my SDI benefit amount or just the timing of when payments start? I'm trying to figure out if I should wait to cash that check or if it doesn't matter.

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The unused PTO shouldn't affect your SDI benefit amount since that's calculated based on your wages from your base period (usually the first 4 quarters of the last 5 completed quarters before your claim). However, if your employer pays it out as "wages" rather than a severance lump sum, there might be timing considerations. I'd recommend cashing it sooner rather than later - just make sure to report any income on your SDI claim forms if it overlaps with your benefit period. When I had this situation, EDD told me that PTO payouts from a previous employer typically don't cause issues as long as you're transparent about reporting them. Better to have the money in hand given all the uncertainty with benefit processing times!

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