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How long until EDD SDI debit card arrives after mailing paper claim forms?

So my doc insisted on completing the paper forms for my disability claim instead of using SDI Online (something about 'maintaining detailed medical records'... whatever). I mailed everything to EDD last Thursday with tracking, and USPS confirms it was delivered Monday. Problem is, I have NO idea how long it'll take to process since I can't check status online like everyone else! Anyone else go through the paper forms route recently? How long did it take for your claim to be approved and get that debit card in the mail? My rent's due in 3 weeks and I'm seriously stressing. This is my first disability claim EVER and I really wish I'd insisted on the online filing now.

Yara Campbell

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Paper claims usually take around 2-3 weeks longer than online claims to process. The EDD has to manually enter all your information into their system, which creates a backlog. I'd expect about 3-4 weeks total from when they received it until you get your card. If you haven't received anything by week 4, that's when you should start calling. Make sure to watch your mail carefully for any requests for additional information - those can delay things further if you don't respond quickly.

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3-4 WEEKS?? Ugh, I'm going to be cutting it so close with bills. Do they at least backpay from the date the disability started, or just from when they process it? This is so stressful.

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Isaac Wright

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The good news is that yes, they'll backpay you from the date your disability began (minus the 7-day waiting period). So even though the processing takes longer with paper forms, you'll still get the same amount as if you had filed online. Your doctor should have indicated your disability start date on the form.

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Thank you!!! That's a huge relief. My doc put my start date as April 3rd (almost 2 weeks ago) so hopefully that means a decent first payment when it finally arrives.

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Maya Diaz

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JUST A WARNING - paper claims get lost ALL THE TIME!!! My husband filed with paper last year and we waited 6 weeks with nothing happening. Called EDD about 50 times before getting through and guess what? They had ZERO record of his claim!!! Had to start all over again and lost another 3 weeks. ALWAYS keep copies of everything you send them!!

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Oh no, that's terrifying! I didn't make copies before mailing it. 😱 I do have the USPS tracking number though... would that help if they lose it?

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Tami Morgan

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tracking # doesn't matter tbh. it just proves it arrived SOMEWHERE at edd. doesnt prove anyone actually entered ur claim in the system. this happened to my sister last month too. paper claim disappeared into the void.

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Rami Samuels

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yeah same happened 2 me. waited 5 weeks, nothin. finally got hold of someone and they're like we don't have ur claim in the system. so annoying!!! had 2 get my dr to redo all the paperwork. total nightmare.

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Haley Bennett

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After several failed attempts to contact EDD about my missing paper claim, I finally used Claimyr to get through (claimyr.com). They connected me to an EDD rep in less than 20 minutes when I'd been trying for days on my own. The rep was able to check if my claim was in the system and give me an update on processing time. They have a video that shows how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd. Way better than stressing for weeks not knowing if your paperwork got lost.

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I've never heard of this service before, but I might need it if I don't see any update soon. Is it legit? Did they actually help solve your problem?

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Haley Bennett

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Yes, totally legit! They just connect you to an actual EDD representative faster than doing it yourself. The rep I spoke with confirmed my claim was in the system but missing some info from my doctor. I was able to fix it right then instead of waiting for a letter weeks later. Saved me from a lot of stress and delays.

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I'm not sure that service is worth it. I mean, you're basically paying for something the government should provide for free. I just kept calling EDD repeatedly for 3 days and finally got through. Just use the redial button!

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Isaac Wright

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Just to clarify some information here: The EDD Bank of America debit card typically arrives separately from your claim approval. Once your claim is processed, you'll first receive a Notice of Computation in the mail showing your weekly benefit amount. The debit card usually arrives 5-7 business days after your first payment is issued. If you've had a debit card from a previous claim within the last 3 years, they'll use that same card and won't send a new one. You can check if your claim has been received by calling the SDI number at 1-800-480-3287, but be prepared for long wait times.

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Thanks for the detailed info! I've never had a claim before so I'll definitely get a new card. Do they notify you by mail when your claim is approved, or do I just keep checking my mailbox for the card?

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Yara Campbell

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They should send you a Notice of Computation by mail that shows your claim was approved and what your weekly benefit amount will be. This comes before the debit card. However, with paper claims, some people have reported not receiving this notice but still getting their debit card. It's a bit unpredictable. If you're concerned about your mail delivery, you might want to sign up for Informed Delivery through USPS so you can see what's coming to your mailbox each day.

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Great suggestion about Informed Delivery! Just signed up for that. At least I'll know when something from EDD is coming before it arrives.

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Nina Chan

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my mom had knee surgery last year and her doctor did the paper forms too. took exactly 22 days from when she mailed it until the card showed up. but that was during a slow period. i've heard it can take 4-6 weeks during busy times. did u mail it to the right address? there's different po boxes for different claim types.

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Oh gosh, I didn't realize there were different PO boxes! I sent it to the Sacramento PO Box that was listed on the form my doctor gave me. I hope that was right...

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Isaac Wright

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If your doctor provided the form, it should have had the correct PO Box printed on it. The main SDI PO Box is PO Box 989311, West Sacramento, CA 95798-9311. You can always call to confirm they received it, which I'd recommend doing around the 2-week mark after delivery just to make sure it's in their system. By the way, when your claim is approved, make sure to set up the automatic transfer from the BofA card to your personal bank account - it's much more convenient than using the debit card for everything.

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That's the address I used! Phew! And thanks for the tip about the auto transfer - I definitely prefer having money go straight to my checking account.

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