EDD taking SDI payments for UI overpayment - will monthly payment plan affect this?

Yes they WILL take both!!!! EDD doesn't care if you're pregnant or disabled, they'll take every penny until you're paid up. My cousin had the same thing happen with her maternity leave last year and they took her payment plan AND a portion of each disability check. The system is designed to get their money back as fast as possible. Sorry to be the bearer of bad news 😔

hmmm I'm not sure thats right actually. when i had an overpayment situation they gave me options. Did you talk to an actual EDD rep or just see this online? sometimes the computer system does things automatically but a rep can fix it

I've worked with many clients facing this exact situation. Here's what's actually happening: When you have an overpayment balance from UI and then receive SDI benefits, EDD has the authority to collect from your new benefit payments through a process called "benefit offset." However, once you establish a formal repayment plan, you have the right to request that they STOP the automatic offset and only collect through your agreed payment plan. You need to specifically contact EDD and request to have the benefit offset removed now that you've established a payment plan. This isn't automatic - you must ask for it. Call the overpayment collection unit directly at 1-800-676-5737 and explain your situation. The law allows them to collect up to 25% of your benefit amount through offset, but they cannot both offset your benefits AND collect through a payment plan unless you've agreed to this arrangement.

I had something kinda similar happen but it was for child support not overpayment. They took like 50% of each check no matter what I said or did. EDD has all the power unfortunately

Just to clarify on this topic (since there's some misinformation): EDD handles child support garnishments differently than overpayment collections. Child support is mandated by court order and cannot be modified by EDD. Overpayment collections have more flexibility. For your situation, you need to speak with someone in the Collections Division specifically. The main EDD number representatives often don't have the authority to modify collection arrangements. I recommend using Claimyr (claimyr.com) to get through to an actual agent quickly - they helped me reach someone at EDD when I was in a similar situation with overpayments. They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd Once you reach the Collections Division, request that they honor your payment plan and suspend the benefit offset. Get the representative's ID number and note the date/time of your call. Follow up with a written request through your UI Online account as documentation.

your basically paying twice u need to call and get it straightend out. they cant take payments AND offsets unless you afreee. my frend had this happen too

Follow-up information that might help you: When you call, specifically ask for a "conditional offset waiver." This is the technical term for what you need. Explain that you've established a payment plan and want the automatic benefit offsets to stop while you maintain your payment plan. Also, request a detailed accounting of your overpayment balance. Sometimes the amounts can be incorrect, especially if penalties or interest have been added. If you're experiencing financial hardship due to pregnancy, mention this as well. In some cases, they can temporarily reduce your monthly payment amount during your disability period, then increase it after you return to work. One more tip: if you've received your first payment with the offset already taken, you can request a reconsideration of that offset. Sometimes they will credit it toward your payment plan instead, though this isn't guaranteed.

update us after you call! i'm dealing with something similar but with paid family leave. curious what they tell you

UPDATE: I finally got through to EDD after using that Claimyr service someone recommended. You guys were right - they CAN'T take both the payment plan AND offsets from my SDI! The rep explained that when I set up the payment plan, it should have automatically stopped the benefit offsets, but there was a system error. They're fixing it now, and my next SDI payment should be the full amount. The rep also said they're reviewing if they can reimburse that first $800 they took and just apply it to my payment plan instead. Thanks everyone for your help! Definitely request that "conditional offset waiver" if you're in this situation.

So glad you got this resolved! This is exactly why I always tell people to push back when EDD does something that doesn't seem right. The automatic systems make mistakes all the time, but the reps can usually fix them once you get through to an actual person. For anyone else reading this thread - definitely save Oliver's advice about the "conditional offset waiver" terminology. Having the right words to use when you call EDD makes a huge difference in getting help quickly. And yes, always get that confirmation number like he mentioned! Hope everything goes smoothly with your pregnancy and that you don't have any more issues with your disability payments. Good luck with the baby! 🍼

This thread has been absolutely amazing to read through as someone completely new to dealing with EDD! I had no idea that they could automatically deduct from disability payments for old unemployment overpayments - that seems like such a critical piece of information that should be clearly communicated upfront. What really stands out to me is how Keisha's experience shows the importance of this community. Without the specific advice about "conditional offset waivers" and the proper phone numbers to call, she might have continued paying double for months without knowing she had the right to stop it. That $800 deduction during pregnancy would have been devastating for most budgets! I'm taking notes on all the practical advice shared here - calling the Collections Division directly instead of general EDD numbers, using specific terminology like "conditional offset waiver," getting confirmation numbers, and documenting everything. It's concerning that EDD's internal systems don't communicate properly, but at least knowing that helps you prepare. The recommendation about Claimyr also seems really valuable for actually getting through to someone who can help. The regular EDD phone system sounds like a nightmare from what I'm reading. Thanks to everyone who shared their knowledge, especially Oliver for the detailed technical explanations. This thread is going to help so many people avoid the stress and confusion that Keisha initially went through!

This entire thread has been such a valuable resource! As someone completely new to navigating EDD, I had no idea that automatic benefit offsets were even possible, let alone that they could happen without clear advance notice. Reading about Keisha's initial shock at discovering the $800 deduction really highlights how unprepared most people are for these situations. What I find most concerning is how the burden falls on individuals to know specific legal terminology like "conditional offset waiver" just to receive fair treatment. It seems like the system is designed to automatically take money first and require people to fight back with insider knowledge to stop it - especially problematic when dealing with vulnerable populations like pregnant women or people with disabilities. The community response here has been incredible though! Oliver's detailed explanations about the legal requirements and proper procedures were game-changing. The fact that EDD legally cannot collect through both payment plans AND benefit offsets unless explicitly agreed to is crucial information that should be much more widely known. I'm definitely saving all the practical tips shared here - the specific phone numbers, the importance of requesting confirmation numbers, and the recommendation about using services like Claimyr to actually get through to someone who can help. It's unfortunate that navigating government benefits requires this level of strategy, but I'm grateful this community exists to share these hard-won insights. Thanks to everyone who contributed their knowledge - this thread is going to help countless people avoid the financial stress and confusion that these automatic deductions can cause!