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!
19 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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