Pregnant with twins: When to file EDD SDI with future start date on doctor's note?
Hi everyone, I just had my high-risk pregnancy appointment yesterday (expecting twins!!) and my specialist gave me a note saying I need to start disability leave on November 22nd due to complications. I'm getting confused about the process - I think I need to file for SDI first, then after delivery switch to Paid Family Leave? My bigger question is about timing - can I submit my disability claim NOW since I already have the doctor's note with the future start date? Or do I have to wait until my actual last day of work (Nov 21st) to submit everything? This is my first pregnancy and I'm worried about messing up the paperwork and having delays in payment. Any advice on the correct timing would be really appreciated!
30 comments


Fernanda Marquez
Congrats on the twins! Yes, you're correct about the order - SDI first for your pregnancy disability, then PFL afterward when bonding with the babies. As for timing, you can actually file your claim up to 49 days BEFORE your disability begins as long as your doctor has certified it. So with your Nov 22nd start date, you're absolutely fine to file now. Just make sure your doctor completes their portion of the medical certification (they can do this electronically) and that your employer knows about your planned last day. Filing early actually helps avoid payment delays!
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Aidan Percy
•Thank you so much! That's exactly what I needed to know. I was worried I'd have to wait until the last minute. Do you know if there's anything special I need to mention because it's twins? The doctor marked it as a high-risk pregnancy on the note.
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Norman Fraser
I filed too early for my pregnancy last year and it caused all kinds of problems! Had to refile everything twice. Maybe wait till ur closer???
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Fernanda Marquez
•That's unusual - EDD SDI specifically allows filing up to 49 days before disability starts. The only issue might be if your doctor didn't complete their portion or if your condition changed and required a new certification. Early filing itself shouldn't cause problems as long as all information is accurate and complete.
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Kendrick Webb
Just went through this process myself (single baby though, not twins). One important thing to know is that you'll need a Form DE 2501 Claim Statement AND have your doctor submit the medical certification. I tried filing online first but didn't realize my doctor needed to submit their part separately - caused a 3 week delay in my payments! Make sure your doctor knows they need to submit their portion ASAP after you file. And yes, you can totally file before your last day as long as you have that doctor's note with the future start date. It's actually better to do it early!
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Aidan Percy
•Thank you! Did you file online? I'm planning to use SDI Online but wondering if paper forms might be better for my situation with the twins/high risk situation.
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Hattie Carson
congrats on the twins! my cousin had twins last yr and she had to go on disability like 2 months early. idk about the filing stuff but just wanted to say good luck! twins are a lot
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Aidan Percy
•Thanks! Yeah I'm already feeling overwhelmed and they're not even here yet 😅
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Destiny Bryant
I had the worst experience trying to get through to EDD when I was pregnant. Called for WEEKS and could never get a human on the phone to answer my questions. Finally used a service called Claimyr that got me through to an actual EDD agent in about 20 minutes. Totally worth it since I was stressing about my claim and needed answers before my leave started. They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd and their website is claimyr.com if you end up needing help getting through.
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Aidan Percy
•That's good to know! I'm really hoping I won't have any issues, but it's good to have a backup plan if I can't get through. My sister was on hold for 3+ hours when she had her baby last year.
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Dyllan Nantx
Hi there! To directly answer your question - FILE NOW! Don't wait! Here's why: 1. With a doctor's note that has a future start date, you can file up to 49 days before your disability begins 2. High-risk pregnancy with twins will automatically qualify you (I'm an L&D nurse and see this all the time) 3. Filing early gives EDD time to process everything BEFORE you need the money 4. If there are any issues with your paperwork, you'll have time to fix them One thing to remember: when you have the babies, you'll need to get your doctor to release you from disability (usually 6-8 weeks after birth depending on delivery type) BEFORE you can switch to PFL for bonding time. This is a step many new moms forget! Best of luck with your twins!
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Aidan Percy
•Thank you so much for the detailed information! That makes so much sense. I didn't know about needing to be released from disability before starting PFL - that's super helpful. I'll definitely file this week then.
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TillyCombatwarrior
The EDD website is so confusing!! I swear they make everything complicated on purpose. When I was pregnant last year I had to call like 50 times to get anyone to explain anything. And then after I finally got through they sent my payments to the wrong address even though I updated it online THREE TIMES!!!!!!! 😡
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Hattie Carson
•omg same thing happened to my sister! she ended up having to file some kind of appeal thing and it was a huge mess
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Anna Xian
i think im the only 1 who had an easy time with edd lol. filed online 3 weeks b4 my leave started, got approved in like 10 days, money came right on time. just make sure all ur info matches exactly (name spelling, address, etc) on all the forms. good luck with the twins!!
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Aidan Percy
•That's reassuring to hear! Fingers crossed mine goes smoothly too.
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Fernanda Marquez
Just wanted to add since you mentioned twins - make sure your doctor indicates this clearly in the medical certification. Multiple births often qualify for longer pregnancy disability periods both before and after delivery. The standard is usually 4 weeks before delivery and 6-8 weeks after for recovery (longer for C-section), but with twins and high-risk status, your doctor might certify you for longer periods which EDD will typically approve. Also, when you transition to PFL later, you'll be eligible for the full 8 weeks of bonding time regardless of your SDI duration.
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Aidan Percy
•That's really helpful to know! My doctor did mention I might need more recovery time but I wasn't sure how that would work with the benefits. I'll double check the certification to make sure the twin pregnancy is clearly noted. Thank you!
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CosmicCadet
I'm in a similar situation - expecting my first baby and just getting started with understanding all the EDD requirements. This thread has been super helpful! One question I have after reading through everything - when you file early (like the 49 days before), do you still need to submit proof of your last day of work, or can that be updated later? I'm trying to get all my paperwork organized now but my exact last day might shift slightly depending on how I'm feeling. Congratulations on the twins - that's so exciting!
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Zara Ahmed
•Hi! Great question - yes, you can update your last day of work later if it changes slightly. When you file early, EDD allows you to provide your best estimate of your last work day, and you can contact them to update it if needed (though try to avoid major changes as it can delay processing). The important thing is having your doctor's certification with the disability start date. I'd recommend being as accurate as possible with your initial filing, but don't stress if you need to adjust by a day or two. Good luck with your pregnancy!
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Ruby Garcia
As someone who just went through this process with my own high-risk pregnancy, I can confirm that filing early is definitely the way to go! I filed about 6 weeks before my start date and it was such a relief to have everything processed and approved before I actually needed the benefits. One tip I wish someone had told me - when you file online, print out or screenshot your confirmation page with your claim number. You'll need that reference number for everything, and sometimes the confirmation emails get buried or lost. Also, keep checking your SDI Online account regularly after filing because sometimes they'll request additional documentation and you only get a few days to respond. The twins designation should definitely help with your approval since multiples are automatically considered higher risk. Wishing you a smooth process and healthy babies! 🤞
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Miguel Herrera
•This is such great advice! I definitely wouldn't have thought to screenshot the confirmation page - that's a really smart tip. I'm planning to file this week so I'll make sure to save all the confirmation info. It's so reassuring to hear from people who've actually been through this process recently. Thank you for sharing your experience!
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Chloe Harris
Hey Aidan! Congratulations on the twins! 🎉 I went through this exact same situation last year with my pregnancy (single baby though). You can absolutely file now with that doctor's note - the 49-day early filing rule is there for exactly this reason. I filed about 6 weeks early and it was the best decision because everything was already approved and payments started right when I needed them. A few things that helped me: 1. File online through SDI Online - it's faster than paper 2. Make sure your doctor submits their medical certification within a few days of your filing 3. Double-check that all your personal info (name spelling, SSN, address) matches exactly on all forms 4. Keep your claim number handy - you'll need it for everything With twins and high-risk status, your approval should be pretty straightforward. The hardest part is just navigating all the paperwork, but you've got this! Feel free to ask if you have any other questions about the process.
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Luca Russo
•Thank you so much Chloe! This is incredibly helpful and reassuring. I was getting a bit overwhelmed reading about all the potential complications people have had, but hearing from someone who went through it successfully gives me confidence. I'll definitely file online this week and make sure to follow up with my doctor about submitting their part quickly. The tip about keeping the claim number handy is great too - I'll make sure to save it in multiple places. Really appreciate you taking the time to share your experience!
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Miguel Diaz
Congratulations on your twins! 🎊 I'm a newcomer to this community but have been lurking and reading posts to prepare for my own potential future pregnancy. Your situation sounds very similar to what I might face (family history of multiples), so this thread has been incredibly educational for me too! From everything I've read here and on the EDD website, it sounds like you're in a great position to file now with that doctor's note. The consensus seems to be that filing early (within that 49-day window) is much better than waiting until the last minute. I've seen so many horror stories about people trying to rush through the process right when they need the money most. One thing I'm curious about - have you looked into whether your employer offers any supplemental disability benefits that might coordinate with SDI? Some companies have policies that can help bridge any gaps in coverage. Just thought I'd mention it since you mentioned this is your first time going through this process. Best of luck with everything, and thank you for asking these questions - I'm definitely bookmarking this thread for future reference! 💙
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Anastasia Kuznetsov
•Hi Miguel! Thanks for the congratulations and for bringing up employer supplemental benefits - that's actually something I hadn't thought to check yet! I know my company has some kind of short-term disability plan but I honestly haven't looked into how it works with SDI. I should probably call HR this week to understand what coordination of benefits looks like. It would be amazing if there's additional coverage that could help with any waiting periods or benefit gaps. Thanks for that suggestion and I'm so glad this thread is helpful for your future planning too! It's nice to know we're all learning together 😊
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Serene Snow
Congratulations on the twins! 🎉 As a newcomer here, I've been reading through disability benefit posts to educate myself, and this thread has been so informative. From everything I'm seeing, you're absolutely right to file now rather than wait! The 49-day early filing rule seems designed exactly for situations like yours where you have medical documentation with a future start date. It's really smart that you're getting ahead of this - I've seen too many posts here about people scrambling at the last minute and facing payment delays. Your high-risk twin pregnancy should definitely qualify you without issues. One thing I'm wondering about (and maybe others can weigh in) - does having twins affect the timing of when you can transition from SDI to PFL later? I know you mentioned you'll switch after delivery for bonding time, but I'm curious if multiples get any special considerations for that transition period. Thank you for sharing your experience and questions - threads like this are so valuable for those of us trying to understand the system before we need it! Wishing you a smooth process and healthy babies! 💙
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Andre Laurent
•Hi Serene! Great question about twins and the SDI to PFL transition. From what I understand, having twins doesn't change the timing of when you *can* transition from SDI to PFL - you still need to be medically released from your disability leave first (usually 6-8 weeks after delivery). However, twins might mean you get a longer SDI recovery period initially, which could affect the overall timeline. The good news is that once you do transition to PFL, you get the full 8 weeks of bonding time regardless of how long your SDI lasted. But I'm also new to learning about all this, so hopefully some of the more experienced members can confirm if that's accurate! This community has been such a great resource for understanding these processes.
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Luca Marino
Congratulations on your twins! 🎉 As a newcomer to this community, I've been learning so much from threads like this. From everything I've read here and researched on the EDD website, it definitely sounds like you should file now with that doctor's note! The 49-day early filing window exists exactly for situations like yours. I'm really impressed by how proactive you're being - getting your specialist's documentation early and asking the right questions before you need the benefits. From all the experiences shared here, it seems like filing early gives you the best chance of avoiding payment delays and having time to address any potential paperwork issues. Your high-risk twin pregnancy should make for a very straightforward approval process. One small tip I picked up from reading other posts - when you do file online, make sure to save screenshots of every confirmation page and your claim number in multiple places. It sounds like you'll need those reference numbers throughout the process. This thread has been incredibly educational for me too as someone who might face a similar situation in the future. Thank you for asking such thoughtful questions and allowing the community to share their knowledge! Wishing you a smooth filing process and healthy babies! 💙
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CosmicCowboy
•Thank you so much for the encouragement and helpful tips! I really appreciate everyone in this community sharing their experiences - it's made me feel so much more confident about the process. The tip about saving screenshots and confirmation numbers is definitely going on my to-do list. I'm planning to file online this week and will make sure to document everything carefully. It's amazing how supportive and knowledgeable everyone here is. Thanks again for the well wishes! 💕
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