EDD medical examiner denied my mental health disability claim - what next?
I'm absolutely freaking out right now. After 3 months on SDI for severe depression and anxiety, EDD just scheduled me for an 'independent medical examination' with their doctor. My therapist and psychiatrist have submitted all the required paperwork correctly, but the EDD rep I finally reached said they 'need additional verification' of my condition. Has anyone been through this? Do these EDD doctors typically deny mental health claims? I'm terrified because I'm nowhere near ready to return to work, but my bills are piling up. To make matters worse, my benefit payments have been inconsistent - literally EVERY payment has been delayed by 5-7 days for no apparent reason. I'm worried this exam is just their way of cutting me off completely. Any advice would be so appreciated.
27 comments


CosmicCadet
Unfortunately, this is pretty common with mental health claims that go beyond 8-12 weeks. EDD has contracted doctors who do these evaluations when they want to verify ongoing disability. I went through it last year for my PTSD claim. The exam itself wasn't terrible - about 45 minutes of questions about my symptoms, treatment plan, and daily functioning. The doctor wasn't trying to 'catch me' or anything, but definitely seemed skeptical at first. My advice: 1. Bring copies of ALL your medical documentation 2. Be completely honest about good days AND bad days 3. Focus on how your condition affects your ability to work specifically 4. Ask your treating doctor to write a detailed letter about why you can't work yet As for the payment delays - that's a separate issue you should address. Have you checked your EDD account to see if there are certification issues?
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Mei Chen
•Thank you so much for sharing your experience. Did the EDD doctor end up approving your continued benefits? I'm worried because my condition isn't always 'visible' in the way a physical injury would be. I'll definitely bring all my documentation. My psychiatrist increased my medication last week so I'm actually feeling worse right now with the side effects, which is terrible timing for this exam. Regarding the payment delays - my EDD account shows everything as certified and approved, but then the payments just take forever to actually process. My regular doctor sends the certification forms on time every two weeks. It's like they're deliberately holding the money as long as possible.
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Liam O'Connor
they dont care about mental health AT ALL. i got denied after my exam even tho my docter said i needed more time. the edd dr spent like 15 min with me and said i was fine to work. its all about saving $$$ for them.
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Amara Adeyemi
•Not everyone has the same experience! I had an EDD exam for my anxiety/depression claim and the doctor was actually really understanding. I think it depends on which doctor you get and how well your medical provider has documented your condition.
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Liam O'Connor
•maybe i just got a bad one then. still think the whole system is rigged tho
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Giovanni Gallo
These evaluations are standard procedure for extended disability claims, especially for conditions that don't have easily measurable symptoms like mental health disorders. I work in healthcare and see this regularly. Best approach: 1. Have your provider update your medical records with specific functional limitations (can't concentrate for more than 30 minutes, unable to handle workplace stress, etc.) 2. Document medication changes and side effects 3. Be specific about treatment progress and expected recovery timeline Regarding your payment delays - EDD SDI payments should be consistent once approved. If your certification shows processed but payment is delayed, this could indicate a technical issue with your account. Have you tried contacting EDD about this specific problem?
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Mei Chen
•Thanks for the advice. My psychiatrist has been documenting everything, including that I'm still having panic attacks at least 3 times a week and can't handle stressful environments. Would bringing a journal of my symptoms help? And yes, I've tried calling EDD about the payment delays at least 10 times. Either I can't get through at all, or when I do, they just say it's "in process" and there's nothing they can do to speed it up. So frustrating!
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Fatima Al-Mazrouei
I had this same thing happen with my anxiety/depression claim! The EDD doctor was actually fine but sooooo rushed. Like 20 minutes total when my regular therapy sessions are an hour. The key thing that helped me was having my psychiatrist write a VERY detailed letter explaining exactly why I couldn't work yet and what functions were impaired. Be super honest in the exam but don't downplay your symptoms either. For what it's worth, I got approved for another 6 weeks after my exam. The payment issues are the WORST though. Have you tried using Claimyr to get through to EDD? I was skeptical but it actually worked after weeks of failed calls. Their site is claimyr.com and they have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd. It got me connected to a real person who fixed my payment delay issues.
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Mei Chen
•Thank you so much! I'll ask my psychiatrist for a detailed letter right away. 6 more weeks would at least give me time to stabilize on my new medication. I'm definitely going to check out Claimyr - at this point I'd try anything to get these payment issues resolved!
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Dylan Wright
•Is Claimyr legit? seems sketchy to me
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NebulaKnight
My husband had 2 EDD exams during his disability claim last year. First one went fine but second one they said he could go back to work even tho his doctor said no. It was a whole mess and took weeks to sort out. Just be prepared to appeal if they deny you. Keep ALL your paperwork!!
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Mei Chen
•Oh no, that's exactly what I'm afraid of! Did he end up getting benefits after appealing? How long did that process take?
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Amara Adeyemi
Idk why everyone is so negative! I had an EDD doctor evaluation and it was totally fine! Just be honest and bring all your paperwork. I think they mostly want to make sure people aren't taking advantage of the system. My payments were always late too but they did come eventually.
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Liam O'Connor
•just be" honest like'we re all lying or something lol. some of us got screwed by these exams even when being 100%honest
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Sofia Ramirez
I just went through this exact situation! Here's what helped me: 1. I brought a comprehensive symptom journal (last 30 days) 2. I had my psychiatrist update my treatment plan showing progress but clearly stating why I still couldn't work 3. I was upfront about how my symptoms directly prevent me from working The EDD doctor seemed skeptical at first but by the end of our meeting, she approved my extension. Also, I finally fixed my payment delays by using Claimyr (claimyr.com) to get through to an actual EDD representative after weeks of failed calls. They connected me to someone who found the glitch in my account that was causing the payment delays. Worth checking out their video demo: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd
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Mei Chen
•A symptom journal is such a good idea! I'll start one right away. When you say you were upfront about how symptoms prevent working - did you give specific examples? Like panic attacks during meetings or inability to focus on tasks?
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Sofia Ramirez
•Yes exactly! I explained that my panic attacks happen unpredictably (2-3 times weekly), making meetings impossible. I also documented that my medication causes fatigue making it unsafe to drive to work, and that my concentration is limited to 15-20 minutes which prevents me from completing basic work tasks. Be VERY specific about these functional limitations!
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Dylan Wright
ive heard these edd doctors just deny everyone lol. good luck. the whole system is broken anyways
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Giovanni Gallo
•This simply isn't accurate. EDD medical examiners approve many claims, especially when properly documented. Spreading misinformation like this just causes unnecessary anxiety for people already struggling with health issues.
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CosmicCadet
Update on the payment delays: If your account shows everything is certified correctly but payments are still consistently delayed, this might indicate an account flag or system issue. When you finally connect with EDD, specifically ask if there are any notes or flags on your account causing payment delays. Sometimes there's a verification issue they haven't communicated properly. For the upcoming exam, focus on functionality rather than diagnosis. The EDD doctor mainly needs to verify that your condition prevents you from performing your specific job duties. If your job requires high concentration, customer interaction, multi-tasking, etc., explain precisely how your current symptoms make those functions impossible. Mental health claims can be challenging, but they're definitely approved when properly documented. Best of luck with your exam.
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Mei Chen
•Thank you so much for this advice. My job involves customer service and sales quotas - extremely high stress with constant social interaction. I'll make sure to clearly explain how my symptoms specifically prevent me from handling those responsibilities. I'll also ask about account flags when I call about the payment delays.
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NebulaNova
I went through this exact situation about 8 months ago with my bipolar disorder claim. The EDD exam was nerve-wracking, but here's what I learned: The doctor will ask about your daily routine, medication effects, and work-specific limitations. Mine lasted about 30 minutes. I was honest about both good and bad days - don't try to appear "sicker" than you are, but definitely don't downplay your struggles either. What really helped was having my psychiatrist write a letter specifically addressing work functionality. Things like "patient experiences cognitive fog that prevents sustained concentration required for her administrative role" or "medication side effects include morning drowsiness making consistent attendance unreliable." Be job-specific. For your payment delays - this happened to me too! Turned out there was a random flag on my account from when I initially applied. Once they removed it, payments came on time. Definitely ask them to check for any account holds or verification flags. Also, document EVERYTHING from this exam - date, time, doctor's name, questions asked. If they deny you, having detailed records helps with appeals. You've got this! Mental health is real health, and you deserve support while you recover.
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Natasha Kuznetsova
•This is incredibly helpful, thank you for sharing your experience! I'm definitely going to ask my psychiatrist to write a letter focusing on work functionality rather than just diagnosis. My job involves managing multiple client accounts simultaneously and meeting daily sales targets - I'll make sure to explain how my panic attacks and concentration issues make this impossible right now. It's reassuring to hear that someone with a similar mental health condition got through this process successfully. I'm also going to document everything from the exam like you suggested. Did you end up getting approved for additional time after your EDD exam?
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Kristian Bishop
I'm so sorry you're going through this stress on top of dealing with your mental health condition. I went through a similar EDD medical exam for my anxiety disorder about 6 months ago, and I understand how terrifying it feels. A few things that helped me prepare: 1. Write down specific examples of how your symptoms affect daily work tasks - like if you have panic attacks during phone calls, can't concentrate during meetings, or need frequent breaks 2. Bring a list of all your medications and side effects (especially if new meds are making you feel worse right now) 3. Ask your psychiatrist to document your current GAF score or similar functional assessment 4. Don't minimize your bad days, but also don't exaggerate - just be completely honest The exam itself was about 45 minutes of questions about my symptoms, treatment history, and daily functioning. The doctor wasn't trying to "catch" me lying, but they did ask detailed questions about what a typical day looks like and how I handle stress. For the payment delays - definitely ask if there are any flags or holds on your account when you call. Sometimes there's a hidden verification issue causing the delays that they don't tell you about upfront. Try to remember that you have legitimate medical documentation from your treating doctors, and that carries significant weight. You're not trying to scam the system - you're genuinely unable to work right now, and that's okay. Take care of yourself through this process.
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Victoria Stark
•Thank you so much for taking the time to share such detailed advice - it really helps to hear from someone who's been through this exact situation. I'm going to start writing down specific examples of how my symptoms affect my work tasks right away. The GAF score suggestion is brilliant - I'll ask my psychiatrist about that at our next appointment. It's reassuring to know the doctor wasn't trying to trick you. I've been so anxious about this exam, but your experience gives me hope that being honest and well-prepared is the best approach. I really appreciate the reminder that I'm not trying to scam anyone - sometimes the guilt and shame around mental health makes me feel like I have to justify my condition constantly.
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Nora Brooks
I just went through this process a few months ago and wanted to share what worked for me. The anticipation was honestly worse than the actual exam. Here are some practical tips: **Before the exam:** - Request your complete medical file from your psychiatrist/therapist to bring with you - Write down how your symptoms specifically impact your job duties (can't handle customer complaints due to anxiety, panic attacks triggered by deadlines, etc.) - List all medications and recent changes - they care a lot about side effects affecting work ability - Get a letter from your doctor explaining your prognosis and expected recovery timeline **During the exam:** - Be honest about both good and bad days - they expect mental health to fluctuate - Focus on functionality, not just feelings ("I can't concentrate for more than 15 minutes" vs "I feel sad") - Mention if you're having medication adjustments that are making things temporarily worse **For payment delays:** This is super common! When you call EDD, ask specifically if there are any "pending issues" or "verification flags" on your account. Sometimes they have internal holds they don't tell you about. The whole process took about 40 minutes for me, and I was approved for another 8 weeks. Mental health claims do get approved when properly documented - don't let the horror stories scare you too much. You're dealing with a legitimate medical condition and deserve support while you recover.
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James Johnson
•This is such comprehensive advice - thank you for breaking it down so clearly! I'm definitely going to request my complete medical file and ask for that prognosis letter. Your point about focusing on functionality rather than just feelings is really insightful - I'll make sure to explain specific work limitations like "can't handle back-to-back client calls due to panic attacks" rather than just saying I feel anxious. It's also really encouraging to hear that you were approved for 8 more weeks. The fact that you mentioned medication adjustments making things temporarily worse is so relevant to my situation right now - I'll make sure to bring that up during the exam. I'm going to save your advice and refer back to it while I prepare. Thank you for taking the time to help someone going through the same struggle!
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