EDD SDI payments stopped due to DE 2546 exam - will benefits resume after paperwork or exam?
I'm so confused about my SDI benefits right now! I've been receiving disability through my regular doctor since January after a back injury at work. Yesterday, EDD completely stopped my payments after sending me a DE 2546 form for an independent medical examination. My appointment with their doctor is scheduled for 7/14. The EDD representative told me I need to submit paperwork confirming I made the appointment, which I did online yesterday. What I don't understand is: will my benefits resume once they receive my appointment confirmation paperwork, or do I have to wait until after the actual medical examination happens? I've got $2,800 in bills coming due next week and was counting on that payment! Has anyone gone through this process before? Can they really just cut off my only income with zero notice while waiting for their own doctor to see me?
22 comments


Leslie Parker
Ugh this happened to me 2 months ago!!! They ALWAYS stop payments when they schedule u for their own doctor. Its so unfair!!! u wont get paid until AFTER the exam AND after they review the results which takes another 1-2 weeks. The system is designed to make u suffer
0 coins
Freya Ross
•Are you serious?? That could be almost a month with zero income! Did you try calling them to explain your financial situation? I'm panicking now.
0 coins
Sergio Neal
The DE 2546 examination is part of EDD's verification process. When you receive this notice, benefits are typically suspended until the examination is completed and the results are processed. This is standard procedure to verify your continued eligibility for SDI benefits. Some important points: 1. Your benefits will not automatically resume after submitting the appointment confirmation 2. The medical consultant's report usually takes 5-7 business days to reach EDD after your exam 3. EDD then needs additional time (typically 3-5 business days) to review and make a determination 4. If approved, payments are retroactive to cover the suspension period I recommend bringing all recent medical documentation to your appointment to ensure the examining physician has complete information about your condition.
0 coins
Savanna Franklin
•My brother went thru this and they actually didnt backpay him for the time in between!! Said the doctors report didnt match my brothers doctors paperwork or something. Total bs
0 coins
Juan Moreno
I had to do an EDD medical exam last year and YES they definitely hold your payments until after the exam AND until they process the results. It took almost 3 weeks total with no money coming in. I tried calling EDD about 50 times and couldn't get through to anyone. Finally used Claimyr (claimyr.com) and got connected to a rep in 20 minutes who confirmed I just had to wait for the exam results to be processed. Check out their video to see how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd The rep told me this is completely normal procedure - they have to verify your disability still exists. The good news is that if the doctor confirms your condition, you'll get backpay for all the missed weeks.
0 coins
Freya Ross
•Thank you for the Claimyr recommendation! I just used it and got through to someone who explained that my benefits are on hold until after the exam results are processed. At least now I know for sure. They said if the doctor confirms my condition is still disabling, I'll get all the missed payments as backpay within 7-10 days after the exam results are processed.
0 coins
Amy Fleming
this is actually a good sign believe it or not. i had a sdI claim that lasted 9 months and they only send you to their doctor when ur claim is getting long. they didnt even bother with the first 6 months. their doctor will probably approve u for a few more months if ur condition is still bad.
0 coins
Alice Pierce
•Not necessarily true. I got sent for an exam after only 6 weeks on disability. I think it depends on your diagnosis and how backed up the system is. My sister got her benefits for 5 months without any exam.
0 coins
Esteban Tate
The DE 2546 (Independent Medical Examination) process is a standard part of EDD's verification system, especially for claims extending beyond the initial certification period. Here's what you need to know about the payment suspension: • Benefits are automatically suspended when an IME is scheduled • The suspension remains until after both: 1. The examination is completed 2. The medical consultant submits their report and EDD makes a determination • If approved, payments will be retroactively issued for the suspension period • The entire process typically takes 2-3 weeks from examination date For your immediate financial concerns, you may want to contact EDD's Customer Service Center and request a hardship expedite on your case review after the examination. While not guaranteed, they can sometimes prioritize cases with demonstrated financial hardship. Bring all relevant medical documentation to your appointment, including recent treatment notes and any diagnostic test results. This helps ensure the examining physician has complete information about your condition.
0 coins
Freya Ross
•Thank you for such a thorough explanation. I'm going to call tomorrow and ask about the hardship expedite. I've been gathering all my medical files to bring to the appointment. Do you know if bringing images (like MRIs) is helpful or do they just need the written reports?
0 coins
Ivanna St. Pierre
They did the same thing to me but for pregnant desability the made me go to there doctors its a normal thing they do I didn't get paid until after the appoiment & they but my case with a desablilty speacilist I did get paid for all the weeks they hold the money for but only after they read the report from the doctor
0 coins
Freya Ross
•Thanks for sharing your experience. How long after your appointment did it take for them to process the doctor's report and release your payments?
0 coins
Leslie Parker
These DE 2546 exams are SUCH A SCAM!!! The doctors they hire are paid to say your not disabled anymore even if you clearly are!! My doctor had me out for 6 months for severe depression but EDD's doctor said I was fine after a 10 MINUTE appointment!!!!! Lost all my benefits and had to appeal which took another 2 months with no money. The whole system is rigged.
0 coins
Sergio Neal
•While I understand your frustration, I should point out that SDI medical consultants are licensed physicians who provide independent evaluations. They aren't instructed to deny claims. In fact, most SDI claims that reach the IME stage are actually approved for continued benefits. However, if anyone does receive a denial they believe is incorrect, the appeals process is available. Make sure to have your treating physician provide detailed documentation explaining why you still meet disability criteria.
0 coins
Elin Robinson
Just went through this last month. My benefits stopped when they scheduled the exam. I didn't get paid again until 8 days after the exam when the doctor's report reached EDD. But I did get backpay for all the missed weeks. Bring EVERYTHING medical to your appointment... every test result, medication list, treatment notes, everything. The more documentation you have, the better your chances of continuing benefits. Also try to call them before your appt to see if they can issue a partial payment due to financial hardship. Sometimes they will sometimes they won't but worth asking.
0 coins
Freya Ross
•Thank you for the advice about asking for a partial payment! I wouldn't have thought of that. I'll definitely bring all my documentation to the appointment.
0 coins
Paolo Ricci
I'm going through the exact same thing right now! Got my DE 2546 notice last week and my payments stopped immediately. My appointment isn't until next month and I'm stressed about rent. Reading through everyone's responses here is actually really helpful - at least now I know this is normal procedure and not just something wrong with my case specifically. One thing I learned from calling EDD (took forever to get through) is that you should definitely keep certifying for benefits every two weeks even while your payments are suspended. The rep told me if you don't certify, it can delay your backpay even if the doctor approves you for continued benefits. Just wanted to share that tip in case it helps anyone else dealing with this frustrating situation.
0 coins
Ella Knight
•That's such an important tip about continuing to certify! I almost stopped doing that thinking there was no point since payments were suspended. Thanks for sharing - it's reassuring to know I'm not the only one dealing with this right now. The waiting and uncertainty is the worst part, especially when bills are piling up. At least we know we're not alone in this process!
0 coins
Derek Olson
I'm in a similar boat - just got my DE 2546 notice yesterday and I'm terrified about the financial impact. Reading everyone's experiences here has been both scary and reassuring at the same time. It sounds like the suspension period is unfortunately unavoidable, but at least there's hope for backpay if the exam goes well. I'm curious - for those who went through this process, did you find it helpful to have your regular doctor write a detailed letter explaining your condition before the EDD exam? I'm wondering if bringing something like that along with all the medical records might help the examining physician understand the full scope of my disability. Also, has anyone had success with getting their regular doctor to call EDD directly to advocate for continued benefits? The financial stress of this process is almost worse than the original injury sometimes. Hoping we all get through this smoothly!
0 coins
Emma Swift
•I haven't gone through this process yet (my appointment is still coming up), but from what I've read here and researched online, having your regular doctor write a detailed letter explaining your condition and limitations can definitely be helpful. The EDD examining physician only has a short time with you, so having comprehensive documentation from your treating doctor who knows your case history could really make a difference. As for having your regular doctor call EDD directly - I'm not sure how effective that would be since they seem to follow a pretty rigid process, but it couldn't hurt to ask your doctor if they're willing to do that. Some doctors are more proactive about advocating for their patients with disability agencies than others. You're absolutely right about the financial stress being almost as bad as the original condition. The uncertainty of not knowing when (or if) payments will resume while bills keep coming is incredibly anxiety-provoking. Hang in there - from what everyone is sharing, it sounds like most people do get approved for continued benefits if their condition is legitimately disabling. We just have to get through this waiting period unfortunately.
0 coins
Sean O'Donnell
I went through this exact same process about 8 months ago and I totally understand your panic! The financial stress is real when they just cut off your only income like that. Here's what happened in my case: My payments stopped the day they scheduled my DE 2546 exam, just like yours. I had to wait about 3 weeks total - 2 weeks until my appointment, then another week for them to process the doctor's report. The good news is I did get backpay for all the weeks they held my benefits once I was approved for continued disability. A few things that helped me: 1. I called EDD multiple times asking about hardship payments but never got one - seems hit or miss 2. I brought a thick folder with every medical record, test result, and prescription list to the exam 3. My regular doctor wrote a detailed letter explaining my limitations which I think really helped 4. Most importantly - keep certifying every two weeks even though you're not getting paid! This was crucial for getting my backpay processed quickly The examining doctor was actually pretty thorough and fair in my case. Try not to stress too much about them being biased - if your condition is legitimately disabling and well-documented, you'll likely be approved. The waiting is awful but hang in there!
0 coins
Jamal Anderson
•Thank you so much for sharing your detailed experience! It's really reassuring to hear from someone who actually made it through this process successfully. The 3-week timeline you mentioned matches what others have said, so at least I can mentally prepare for that wait. I'm definitely going to follow your advice about bringing comprehensive documentation and getting a letter from my regular doctor. It's also good to know the examining doctor was fair in your case - I keep hearing horror stories but maybe those are just the exceptions that people remember most. Your point about continuing to certify is so important too - I almost made that mistake! Thanks for taking the time to give such helpful advice during what I know is a stressful situation for all of us dealing with this.
0 coins