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Pregnant seasonal state worker - Can I qualify for SDI after only 4 paychecks?

I started as a seasonal state employee about 4 months ago. I'm currently pregnant (28 weeks) and my doctor is recommending I stop working earlier than I planned due to some complications. I've only received 4 monthly paychecks so far and I'm worried about my options. I initially thought unemployment might be an option, but now I'm wondering if SDI/pregnancy disability might be better? Do I even qualify with just 4 months of work? I'm so confused about the base period calculations and if I've paid enough into the system. Has anyone been in a similar situation or know what steps I should take? Really stressed about having no income when I need to stop working.

Talia Klein

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unemployment isnt for pregnancy, you need SDI. but you need to make sure ur doctor fills out the right form. i think its de2501 or something like that

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Cedric Chung

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Thank you! Do you know if 4 months of work history is enough to qualify? I'm worried I haven't contributed enough to the system yet.

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To qualify for SDI pregnancy benefits, eligibility isn't based on how many paychecks you've received, but rather your earnings during your base period. The base period is the 12-month period approximately 5-18 months before your claim begins. Your base period is divided into quarters, and you need to have earned at least $300 in one of those quarters. Even if you've only worked 4 months at your current job, you might still qualify if you had any other employment during your base period. You should definitely apply for SDI with a DE 2501 form completed by your doctor. Unemployment won't be appropriate since you're unable to work due to your pregnancy complications (meaning you're not "able and available" for work as UI requires).

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Cedric Chung

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This is so helpful, thank you! I did have another part-time job before this one, so maybe that would count toward my base period. Do you know if there's a way I can check how much I've contributed before I apply?

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PaulineW

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quick correction - the form is actually called a 'Physician/Practitioner Certification' now, not DE 2501. They changed the names of some forms. But your doctor will know what to do!

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Annabel Kimball

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I was in almost the exact same situation in 2025! I was only at my state job for about 5 months before pregnancy complications forced me to stop. I was able to qualify for SDI because of my previous work history. Here's what you need to do: 1. Ask your doctor to complete the medical certification for disability insurance 2. File your claim through SDI Online (create an account if you don't have one) 3. When filling out the claim, be sure to include ANY employment you had during the base period (which for you would be roughly mid-2023 to mid-2024 if you're filing soon) The system will automatically calculate if you've contributed enough. In my case, I was surprised to find I qualified even though my recent work history was limited. The benefit amount was lower than if I'd worked longer, but it was still extremely helpful. Best of luck with your pregnancy!

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Cedric Chung

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Thank you so much for sharing your experience! It's so reassuring to hear from someone who was in a similar situation. I'll definitely include my previous work history when I apply. Did you find the application process difficult?

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Chris Elmeda

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HAS ANYONE TRIED CALLING EDD ABOUT THIS??? I had a similar issue last year and spent THREE WEEKS trying to get through to a representative!!! Their phone system is IMPOSSIBLE and the website was NO HELP for my specific situation!!! I finally got through using Claimyr (claimyr.com) - they have this service that gets you connected to an actual EDD agent without the hours of waiting and getting disconnected. They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd Seriously, for specific questions like base period calculations with state employment, speaking to an agent is the only way to get a clear answer. The online info is too general and confusing!!!

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PaulineW

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this is actually good advice, i tried calling like 30 times before i found out about that service

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Cedric Chung

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I haven't tried calling yet but was dreading it. I'll check out that service if I can't get answers online. Thanks for the suggestion!

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Jean Claude

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I'm confused about something - isn't there a waiting period before you can claim SDI benefits? I remember when I filed for pregnancy disability last year, there was a 7-day waiting period where I didn't get paid. Just something to keep in mind when you're planning when to stop working.

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Annabel Kimball

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Yes, there is a 7-day unpaid waiting period for SDI claims. Good point to bring up! It doesn't start until after your last day of work and your doctor has certified your disability. Plan your finances accordingly for that first week without benefits.

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Charity Cohan

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i think you shuld apply for both ui and sdi and see which one accepts you. thats what my sister did when she wasnt sure

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Actually, applying for both simultaneously isn't recommended. If you're unable to work due to pregnancy complications (which requires SDI), you wouldn't meet the "able and available to work" requirement for UI. Filing for both could potentially flag your account for review and delay both claims. It's best to determine which one is appropriate for your situation and apply for that program only.

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Cedric Chung

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UPDATE: I talked to my doctor today and she's filling out the medical certification form. She said she can certify that I need to stop working in 2 weeks due to my pregnancy complications. I checked and I did have enough work history in my base period from my previous job! Thank you all for the guidance - I feel so much less stressed now knowing what to do. I'm going to submit my claim online as soon as I get the form from my doctor.

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Annabel Kimball

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That's great news! Make sure to file your claim on SDI Online promptly after you stop working. And remember you can transition to Paid Family Leave (PFL) after you have the baby for bonding time. It's a separate claim but uses the same medical/earnings eligibility as your SDI claim.

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PaulineW

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congrats!! make sure u save copies of EVERYTHING

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Jean Claude

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Just wondering - do seasonal state employees have different SDI rules than regular state employees? I thought some state workers have a different disability system (like CalPERS or something?). Maybe check with your HR department too?

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Great question. Some state employees are covered by SDI while others have their own disability insurance programs. Seasonal employees are typically covered by regular SDI (where 1.1% of your wages are deducted for the disability fund). You can verify this by checking your pay stub - if you see an "SDI" deduction, then you're covered by the standard State Disability Insurance program. If you don't see this deduction, then you should definitely check with your HR department about your specific coverage.

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Cedric Chung

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I just checked my paystub and I do have an SDI deduction! That's a relief. I'll still touch base with HR just to make sure there aren't any special rules I should know about.

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