EDD SDI payment timeline after certification? Different from UI?
Just started my first SDI claim for carpal tunnel surgery and I'm confused about the payment schedule. I certified/filled out the form for continued benefits on Tuesday, but have no idea when I'll actually get paid. With regular unemployment I knew exactly when money would hit my account. Also, do I need to certify for each week separately with SDI? Or does it work differently than regular EDD unemployment? The online system looks similar but the process feels different. This is my first time on disability and I really need to budget carefully since the benefit amount is lower than my regular pay. Any help from people who've been through this would be appreciated!
32 comments


Angelica Smith
sdI processing is TOTALLY diffrent than regular edd unemployment! with UI you certify every 2 weeks but with sdi you only do it when they ask you to. payments come way faster with sdi usually just 1-2 days after you certify. i got mine in my BofA card next morning
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Sophia Long
•Thanks for the quick reply! So I don't need to do anything until they specifically ask me to certify again? That's a relief. Do they send an email notification when it's time to certify again or do I need to keep checking my SDI account?
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Logan Greenburg
SDI certification works differently from UI certification. With SDI, you'll typically only need to complete a continuing certification form every 1-2 weeks depending on your claim type and doctor's estimated recovery time. The system will prompt you when it's time to certify again. As for payment timing, if you certified on Tuesday, you should typically see payment within 24-48 hours if your claim is in good standing. SDI payments process faster than UI payments in most cases. The money will be deposited to the same EDD debit card you may have used for UI, or through direct deposit if you've set that up. If you don't see payment by Thursday afternoon, there might be an issue with your certification or claim that needs addressing.
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Charlotte Jones
•wish mine was that fast! took 4 days last time i certified.. EDD is so inconsistent
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Lucas Bey
I had the same confusion when I switched from unemployment to disability last year. The biggest difference I noticed is that SDI doesn't require bi-weekly certification like unemployment does. My doctor put me out for 8 weeks, and I only had to certify at the beginning and once in the middle when they requested it.
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Sophia Long
•That's good to know! My doctor estimated 6 weeks recovery but I wasn't sure how the certifications would work during that time. Did you get any kind of notification when it was time to do that middle certification?
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Lucas Bey
•Yes, they sent me both an email and a notice through my SDI Online account. Just make sure your contact info is up to date in the system!
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Harper Thompson
If you certified on Tuesday, you should expect payment within 24-48 hours in most cases, assuming your claim is established and there are no pending issues. SDI payments are typically much faster than UI payments. Regarding certification frequency: Unlike UI where you certify every two weeks regardless of your situation, SDI certification frequency depends on your medical condition and doctor's estimated recovery timeline. The system will notify you when you need to complete another certification form. For example: - Short recovery periods may only require an initial certification - Longer disability periods usually require periodic certifications - Claims extending beyond what your doctor initially estimated will require updated medical certification If you don't receive payment by Thursday, I'd recommend contacting EDD directly to check your claim status. However, getting through can be challenging.
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Sophia Long
•Thanks for the detailed explanation! I'll wait until Thursday afternoon and then try calling if the payment hasn't shown up. My doctor estimated 6 weeks recovery, so I guess I'll probably need to do at least one more certification during that time.
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Caleb Stark
Try calling them if your payment doesn't show up by Thursday afternoon, but BE WARNED - their phone lines are a nightmare! I spent 3 days trying to get through last month when my payment was late. If you can't get through, try Claimyr.com - they helped me connect with an EDD agent in under 30 minutes after I'd wasted DAYS trying on my own. They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd Totally worth it for the time saved and stress reduction.
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Angelica Smith
•yeah the phone lines are IMPOSSIBLE... i tried for a week straight once!!
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Sophia Long
•I've heard horror stories about the phone lines. I'll definitely check out that service if I can't get through by normal means. Thanks for the recommendation!
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Jade O'Malley
Has anyone else noticed that sometimes the payment shows up in your account before the EDD website even updates to show it was processed? This happened to me twice during my disability claim last summer - the website still showed "pending" but the money was already in my account. So definitely check your bank/card too, not just the EDD portal!
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Charlotte Jones
•this!! happened to me too! website said pending for 3 days but money was there after 1 day
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Jade O'Malley
I'm in the middle of an SDI claim right now too, and it took exactly one day after certifying to get paid. I certified Monday morning and had money Tuesday morning. But my first payment after initially filing took like 10 days to process, so I think once you're established in the system it goes much faster. One thing I learned - if your doctor extends your disability period, make sure they submit the updated medical certification well before your current one expires. Mine waited until the last minute and it caused a payment gap that was super stressful.
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Sophia Long
•That's a great tip about the doctor's certification! I'll definitely make a note to remind my doctor about that if I need an extension. Hoping my recovery goes as planned, but you never know with these things.
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Hunter Edmunds
Is the SDI payment the same amount each time? With unemployment I got exactly the same payment every two weeks but I heard disability can vary? Anyone know?
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Harper Thompson
•SDI payments are typically consistent throughout your claim period as they're based on your base period wages. However, they might appear to vary slightly if your certification periods cover different numbers of days. The system calculates your daily benefit amount (your weekly amount divided by 7) and pays based on eligible days in each certification period. Unlike UI, SDI doesn't require you to look for work or report earnings from part-time work, so that source of payment variation doesn't apply.
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Ethan Wilson
Just went through SDI for shoulder surgery a few months ago and wanted to share my experience! The payment timing is definitely different from UI - I got my first payment about 36 hours after certifying, which was way faster than I expected. One thing that caught me off guard was that SDI doesn't always follow the same weekly schedule as UI. My certification periods were sometimes 6 days, sometimes 8 days, depending on when I filed and when they processed it. The daily rate stays the same but the total payment can look different. Also make sure to keep all your medical documentation organized! I had to resubmit some paperwork when my initial 4-week estimate turned into 7 weeks, and having everything ready made it much smoother. Good luck with your recovery!
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PixelPrincess
•Thanks for sharing your experience! The varying certification periods is something I hadn't thought about. Did you get any advance notice about when your certification periods would start/end, or did you just have to keep checking the system? I'm trying to figure out the best way to stay on top of it without constantly logging in to check.
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Dominique Adams
•I'm actually going through SDI for carpal tunnel surgery right now too! It's reassuring to hear that your payments came through so quickly. Did you have any issues with the transition back to work when your disability period ended? I'm worried about the paperwork and timing when I'm ready to return - don't want any gaps in income if I can help it.
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Malik Johnson
I'm currently on SDI for a back injury and can confirm that the payment timing is much faster than UI! I certified yesterday morning and already see the payment pending in my account today. One thing I wish someone had told me earlier - make sure to set up text notifications in your SDI online account. I get alerts whenever there's activity on my claim, including when it's time to certify again. It's been super helpful since the certification schedule isn't as predictable as UI's every-two-weeks routine. Also, if you're used to the UI payment amount, the SDI amount might feel lower since it's about 60-70% of your wages vs UI which can be higher depending on your situation. Just something to keep in mind for budgeting. Hope your surgery recovery goes smoothly!
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Christopher Morgan
•Thanks for the tip about text notifications! I just went into my account and turned those on - that's going to save me so much stress from constantly wondering when I need to certify again. And yeah, I definitely noticed the payment amount difference. It's about $200 less per week than what I was getting on UI, but at least it processes way faster. Really hoping this carpal tunnel heals up quickly so I can get back to full pay!
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Freya Ross
I'm new to SDI and this thread has been incredibly helpful! I just filed my claim for a knee injury and was worried about how different it would be from UI. Reading everyone's experiences about the faster payment processing is such a relief - I was expecting the same delays I had with unemployment. One question though - for those who had surgery like the original poster, did you need to provide any additional documentation during your recovery period, or was the initial medical certification from your doctor sufficient for the entire claim period? My orthopedist estimated 8 weeks recovery but I'm not sure if I'll need updated medical forms along the way. Also seeing all the comments about the phone lines being impossible to reach - definitely bookmarking that Claimyr service just in case I run into issues!
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Carmen Vega
•Welcome to the SDI world! For your knee surgery, the initial medical certification should cover your entire 8-week period in most cases. However, if your recovery takes longer than expected or if there are complications, your doctor will need to submit an updated form. EDD typically sends a notice if they need additional medical documentation. From my experience with carpal tunnel surgery, I only needed the initial certification for my 6-week claim. But I've heard that orthopedic surgeries sometimes require a mid-recovery check-in around the 4-6 week mark, especially for knee injuries since mobility is such a big factor in determining when you can return to work. Just make sure your surgeon knows to send any updates directly to EDD if your recovery timeline changes. And yes, definitely keep that Claimyr info handy - their phone system really is a nightmare when you actually need help!
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A Man D Mortal
I went through SDI for wrist surgery about 8 months ago and had a really similar experience! The payment timing was definitely faster than UI - I usually got paid within 24-48 hours after certifying, which was such a relief compared to the UI delays I'd dealt with before. One thing that really helped me was setting up direct deposit instead of using the EDD debit card. The money hit my bank account faster and I didn't have to worry about card issues or ATM fees eating into my already reduced benefits. For the certification schedule, mine was pretty irregular - sometimes I'd go 10 days between certifications, sometimes 14 days. It really depends on your claim details and when EDD processes things. I'd recommend checking your SDI online account every few days rather than waiting for notifications, just to be safe. The good news is that once you get into the rhythm of it, SDI is generally more straightforward than UI. No job search requirements to deal with! Focus on healing up and the payments should keep flowing smoothly. Hope your carpal tunnel surgery recovery goes well!
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Adrian Connor
•Thanks for sharing your experience with wrist surgery - that's really helpful since carpal tunnel is similar! I'm definitely going to look into setting up direct deposit. I've been using the EDD debit card from my UI days but you're right about those ATM fees adding up, especially when the benefit amount is already lower than regular pay. The irregular certification schedule sounds a bit stressful but I guess I'll get used to it. It's good to know that checking the online account every few days is the way to go rather than just waiting for notifications. Better to be proactive about it! Really appreciate everyone's advice in this thread - feeling much more confident about navigating the SDI process now. Hoping my recovery goes as smoothly as yours did!
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Anastasia Ivanova
I'm on SDI right now for a herniated disc and can definitely confirm what others are saying about the payment timing! I certified on Wednesday and had my payment deposited Thursday afternoon - way faster than UI ever was. One thing I learned the hard way though: make sure to check your claim balance regularly in the SDI portal. Unlike UI where you know exactly how many weeks you have left, SDI benefit periods can vary based on your earnings history and the system doesn't always make it super clear how much you have remaining. I was caught off guard when I got close to my maximum benefit amount. Also, if you're planning to return to work part-time before being fully cleared (like light duty), the rules are different than UI. You might be able to work limited hours and still collect partial SDI benefits, but definitely check with EDD first. I didn't know this was an option until my physical therapist mentioned it! The lower payment amount compared to regular wages is definitely tough, but at least the processing is reliable once you get established in the system. Hang in there!
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Javier Mendoza
•That's a really good point about checking the claim balance regularly! I hadn't even thought about that - with UI you always knew exactly where you stood. I'll definitely start keeping an eye on that in my SDI portal. And the part-time work option is interesting - my doctor mentioned I might be able to do some light computer work from home during the later stages of recovery, so that could be helpful if I need the extra income. Thanks for the tip about checking with EDD first though - I definitely don't want to mess up my benefits by not following the rules properly!
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StarSurfer
I'm currently dealing with a similar situation - just started my SDI claim for a back injury and was totally confused about the timing differences from UI! Reading through everyone's experiences here has been so helpful. One thing I wanted to add that I learned from my doctor's office: they said to make sure I follow up with them about a week before my estimated return date, even if I'm feeling better. Apparently EDD sometimes requires a "return to work" clearance form from your doctor before they'll officially close your disability claim, and you don't want any delays in transitioning back to work or potentially back to UI if you don't have a job to return to. Also, for anyone worried about the phone lines - I actually had luck calling right at 8am when they open. Took about 45 minutes on hold but I got through without needing to use a third-party service. Though having that backup option definitely gives me peace of mind! Hope your carpal tunnel surgery goes smoothly and you heal up quickly!
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Raul Neal
•That's really smart advice about following up with your doctor before the estimated return date! I hadn't thought about needing a clearance form to officially close the claim - definitely don't want any delays when I'm ready to get back to work. I'll make a note to contact my surgeon around week 5 of my 6-week recovery to start that process. And wow, 45 minutes on hold at 8am actually sounds pretty reasonable compared to some of the horror stories I've heard! Good to know there might be a window where it's possible to get through. Thanks for sharing that tip - I'll definitely try calling right when they open if I need to reach them. This whole thread has been such a lifesaver for understanding how SDI works differently from UI. Really appreciate everyone sharing their experiences!
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Laila Fury
I'm going through my first SDI claim too and this thread has been incredibly informative! Just wanted to add my experience so far - I filed for a wrist fracture last week and the initial approval process was much faster than I expected compared to UI. One thing I noticed is that the SDI online portal is way more user-friendly than the UI system. The status updates are clearer and it's easier to find information about your claim. I haven't done my first certification yet (still waiting for the notification) but based on everyone's experiences here, it sounds like I should expect payment pretty quickly once I do. The reduced benefit amount is definitely an adjustment - it's about 65% of what I was making, but knowing that payments process so much faster than UI makes the budgeting easier. At least I won't be sitting around wondering when money will show up! Thanks to everyone who shared their timelines and tips. Feeling much more confident about navigating this process now. Fingers crossed my recovery stays on track!
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