EDD SDI payment delayed - scheduled direct deposit never arrived
I was supposed to receive my disability payment via direct deposit last Thursday (now it's been almost 5 days) and still nothing in my bank account. The EDD account shows 'paid' status but the money isn't there. This is my third disability payment and the first two came right on time. I checked with my bank and they don't see any pending deposits. Has anyone else experienced delays with their SDI payments recently? I've got rent due next week and I'm starting to get anxious. Called EDD about 20 times today but never got through to a real person.
23 comments
Aaron Boston
This happened to me last month! The EDD website showed paid but the money took an extra 4 days to hit my account. Apparently there was some kind of processing delay at their end, not with my bank. I would keep checking your account daily. If it doesn't show up by tomorrow (a full business week), then you should definitely keep trying to contact them.
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Sofia Peña
•Thanks for the reassurance. Did your payment just suddenly appear without any explanation? I'm wondering if I need to file some kind of inquiry or if I should just wait it out.
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Sophia Carter
mine was late 2!! but only by 2 days. stupid edd cant even do direct deposit right lol
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Sofia Peña
•Did you have to do anything to get it fixed or did it just show up eventually?
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Sophia Carter
•just showed up. i was about to call them but then checked my account while i was on hold and it was there
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Chloe Zhang
SAME ISSUE HERE!!! My payment from LAST WEEK is still MIA!!! The EDD website says it was issued but NOTHING in my account. I've called 50+ times and either get hung up on or told the queue is full. This is RIDICULOUS! I have medical bills piling up from my surgery and now I'm getting late fees because EDD can't get their act together. Does anyone know if there's a system-wide delay happening??
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Brandon Parker
•I work at a clinic that helps patients with disability claims, and we've had several reports of payment delays this week. It seems like there might be a processing backlog in their system. Usually these resolve within 5-7 business days without requiring any action. If it goes beyond that, request a payment tracer when you finally reach someone.
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Adriana Cohn
I once had a payment take 9 days to appear! I was freaking out but then boom, it just showed up. Sometimes I wonder if they delay payments on purpose just to earn extra interest on the money or something...
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Jace Caspullo
•That's not how state disbursements work. These delays are almost always due to processing backlogs or electronic transfer issues between systems. The EDD doesn't earn interest on held payments - they're either in process at EDD, in transit between financial systems, or held up at the receiving bank.
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Melody Miles
After trying for THREE DAYS to reach someone at EDD about my late payment, I finally got through using Claimyr.com - it's this service that connects you to an EDD representative. They have a video showing how it works here: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd. I was skeptical but desperate, and I got connected to an agent in about 25 minutes instead of trying to call repeatedly all day. The agent confirmed there was a system delay affecting some direct deposits but that my payment was processing correctly.
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Sofia Peña
•Thanks for this suggestion. If my payment doesn't show up by tomorrow, I'll definitely look into it. Did the EDD agent give you any timeline for when your delayed payment would arrive?
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Melody Miles
•They told me 2-3 more business days, and it showed up in 2. The agent also put a note in my file about the delay so there's a record of it in case I need to reference it later.
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Nathaniel Mikhaylov
when i was on disability last month i got a paper check instead of direct deposit for some reason even tho id been getting direct deposit before that. maybe check ur mail?
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Sofia Peña
•That's a good point! I'll check the mail more carefully. Did they ever explain why they suddenly switched you to a paper check?
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Nathaniel Mikhaylov
•nope! just randomly came as a check. then the next payment went back to direct deposit. EDD works in mysterious ways lol
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Brandon Parker
Just to clarify for everyone in this thread: When EDD SDI shows a payment as 'paid,' that means it has been processed on their end, but it still needs to go through the ACH (Automated Clearing House) system to reach your bank. This typically takes 1-3 business days, but occasionally can take longer due to various factors: 1. Bank holidays or weekends can add delays 2. Periodic EDD system maintenance or updates 3. First-time payments sometimes take longer than subsequent ones 4. Issues with account information can cause temporary holds If your payment doesn't arrive within 7 business days of showing 'paid' status, that's when you should escalate the issue. Request a payment tracer when you speak with a representative, and they can determine exactly where the payment is in the process.
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Sofia Peña
•Thanks for this detailed explanation. Today's the 5th business day, so I'll give it until Friday before really panicking. I'll ask for a payment tracer if I need to call.
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Chloe Zhang
•So we're just supposed to wait a WEEK with no money while bills pile up?? What if someone needs their medication or can't buy food? This system is broken!
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Jace Caspullo
Have you checked if there's been any changes to your claim status? Sometimes a payment delay happens because they're reviewing your certification or medical documentation. When I was on pregnancy disability, one of my payments was delayed because they were doing a random quarterly review of my claim. The website still showed 'paid' but the money was actually on hold. Might be worth checking your claim details thoroughly or asking specifically about any reviews when you get through to someone.
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Sofia Peña
•I didn't think of that. I'm due for my next medical certification in about two weeks, so maybe they're doing some kind of pre-review? I'll definitely check the claim details more carefully when I get home.
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Sofia Peña
UPDATE: My payment finally hit my account this morning! No explanation for the delay, it just showed up. Thanks everyone for your help and suggestions. Seems like these random delays do happen occasionally with SDI payments.
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Aaron Boston
•Great news! Glad it worked out without you having to go through the hassle of more phone calls.
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Chloe Zhang
•Lucky you! Still waiting on mine... day 8 now 😡
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