EDD SDI termination date confusion - doctor exam vs return-to-work date?
So confused about my disability claim ending date! I saw the independent medical examiner from EDD on April 12, but my actual return-to-work date on my medical certificate is April 19. My last benefit payment only covered through April 14, which means I'm missing 4 days of benefits that I think I'm entitled to. My doctor clearly stated I couldn't return until the 19th, but EDD seems to be using the exam date to terminate my benefits. Has anyone dealt with this before? Will I get penalized if I appeal this? I'm worried about getting flagged for an overpayment if I push back, but those 4 days represent almost $600 I really need right now!
24 comments


Ryan Kim
the same thing happened to my cousin last year... edd always tries to cut benefits early if u see their doctor. its BS!!
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Daniela Rossi
•Did your cousin fight it? I'm wondering if it's even worth appealing for just 4 days, but that money really matters to me right now.
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Zoe Walker
Your termination date should be based on the actual return-to-work date certified by your doctor (April 19), not the independent medical examination date. The IME is just an evaluation, not a determination that you're able to return to work immediately. You should file an appeal immediately - you have 30 days from the date of the notice. Make sure to include a copy of your medical certification showing the April 19 return date. This is actually a common issue with EDD SDI claims, and appeals for this specific reason are often successful.
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Daniela Rossi
•Thank you! I'll submit an appeal today. Do you know how long the appeal process usually takes? I'm a little nervous about challenging them.
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Elijah Brown
•BE CAREFUL!!! When you appeal they sometimes review your ENTIRE claim and look for other problems!! I tried appealing a similar situation last year and they ended up saying I was overpaid for 2 weeks because of some paperwork issue with my doctor's certification. I ended up owing money instead of getting more!!
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Maria Gonzalez
Quick question - was this a regular disability claim or pregnancy disability? The rules can be slightly different for each type and that might affect how your termination date is calculated.
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Daniela Rossi
•It's a regular disability claim for a back injury, not pregnancy related.
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Maria Gonzalez
•Got it! Then yes, your return-to-work date should be the controlling date. Your doctor's certification is the primary document for determining benefit eligibility. The IME is just a verification process.
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Natalie Chen
I would definitely contact EDD directly to ask about this before filing an appeal. Sometimes it can be resolved with a simple phone call if you can actually reach someone. I spent 3 days trying to get through their phone system last month and kept getting the "call volume too high" message and disconnects. Finally used a service called Claimyr (claimyr.com) which got me connected to an agent in less than 25 minutes. They have a video that explains how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd Once I actually spoke to someone, they fixed my issue right away. It was way faster than waiting for an appeal process which can take weeks or months.
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Santiago Martinez
•Does that service actually work? I've been trying to call EDD for a week straight and can't get through!
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Natalie Chen
•Yes, it worked for me. I was skeptical too but was desperate after trying for days. Got connected within about 20 minutes and the EDD rep fixed my claim issue during that call. Definitely faster than waiting for an appeal to be processed.
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Samantha Johnson
This is a common misunderstanding about disability termination dates. According to EDD policy, your disability period ends on whichever date comes FIRST: 1. The date your doctor certified you can return to work 2. The date an independent examiner determines you're able to work 3. The date you actually returned to work So if the independent examiner determined on April 12 that you could return to work, EDD can use that date even if your doctor's certificate says April 19. It's frustrating but that's the policy. You can still appeal, but you'll need to provide additional medical evidence showing why the examiner's determination was incorrect.
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Daniela Rossi
•Wait, really? That seems so unfair! The EDD doctor saw me for like 10 minutes, but my regular doctor who's been treating me for weeks said I needed until the 19th. Is there any point in appealing then?
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Samantha Johnson
•You can still appeal, but you'll need your doctor to specifically address why the EDD examiner's assessment was incorrect. Have your doctor write a detailed letter explaining the medical reasons why you couldn't return to work until April 19 despite what the EDD examiner concluded. Medical evidence is key in these appeals.
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Elijah Brown
I went through EXACTLY this last fall!! The EDD doctor said I could go back to work but my actual doctor said no way. I called EDD like 50 times before getting through and they told me I needed to have my doctor submit a FORMAL DISAGREEMENT with the EDD doctor's findings. There's a specific form for it but I don't remember what it's called. Something like "Medical Provider Objection" form???
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Zoe Walker
•You're thinking of the "Request for Additional Medical Information" (DE 2551D) form. When there's a disagreement between your treating physician and the independent medical examiner, your doctor needs to complete this form explaining the medical basis for continuing disability. This creates a formal medical dispute that EDD must consider before terminating benefits.
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Nick Kravitz
Last year I had knee surgery and my benefits stopped 5 days before my return to work date too! I just took the loss because I was afraid of messing up my claim which was already confusing enough. Plus I was going back to work anyway so whatever. But yeah pretty sure EDD just does this to save money.
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Daniela Rossi
Update: I finally got through to EDD this morning! The representative explained that when there's a discrepancy between the IME date and my doctor's return-to-work date, I need to have my doctor submit additional documentation explaining why I couldn't return on the earlier date. I'm going to ask my doctor to submit that paperwork tomorrow. Thanks everyone for your help and advice!
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Zoe Walker
•That's great news! Make sure your doctor is very specific about your medical limitations and why you couldn't return to your specific job duties until April 19. The more detailed, the better your chances of getting those additional 4 days of benefits.
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Santiago Martinez
•how did you even get thru to someone?? i've been calling for days!!
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Daniela Rossi
•I used that Claimyr service someone mentioned above. Honestly didn't think it would work but I got connected in about 15 minutes!
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Omar Hassan
This is exactly why I always recommend keeping detailed records of everything! I learned the hard way that EDD will try to use any excuse to cut benefits short. For future reference, if you ever have to do another IME, make sure to bring a copy of your treating doctor's most recent assessment and ask the EDD examiner to review it during your appointment. Sometimes they don't have all the current medical information when they do their evaluation. Also, don't be afraid to speak up during the exam about your limitations - they're making decisions based on what they observe in that short visit. Glad you got through to someone and are getting it sorted out!
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James Martinez
•This is such great advice! I wish I had known this before my IME appointment. I was so nervous and didn't really speak up about my pain levels during the examination. The whole thing felt so rushed - the doctor barely looked at my medical records and just had me do a few basic movements. Next time I'll definitely be more proactive about making sure they understand my actual limitations. It's frustrating that we have to advocate so hard for benefits we're legitimately entitled to, but your tips will help a lot of people avoid this same situation!
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Brooklyn Foley
I'm dealing with something similar right now - my SDI benefits were cut off after an IME even though my doctor said I need another week off. Reading through all these responses is really helpful! It sounds like the key is getting your treating physician to submit detailed documentation explaining why the EDD examiner's assessment was wrong. I'm definitely going to ask my doctor about that DE 2551D form that was mentioned. It's so frustrating that we have to fight for benefits we're legitimately entitled to, but at least there are ways to appeal these decisions. Thanks for sharing your experience - it gives me hope that this can be resolved!
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