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SDI benefits exhausting after 52 weeks - any extension options for ongoing disability?

I'm reaching the 52-week maximum for my SDI benefits next month, but my doctor still has me off work due to complications from my spinal surgery. Recovery is taking much longer than expected, and I'm nowhere near ready to return to my construction job. I've received the notice that my benefits will be exhausting soon, and I'm absolutely panicking about how to pay my mortgage and medical bills. Has anyone successfully extended their SDI claim beyond the 52-week maximum? Or is there some kind of transition to a different disability program I should be applying for? My claims specialist hasn't been helpful at all - just keeps saying 'that's the maximum benefit period' without offering any alternatives. Any advice would be greatly appreciated!

Amina Diallo

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Unfortunately, California SDI is strictly limited to 52 weeks maximum - there's no extension option within the SDI program itself. However, you have a few potential options: 1. If your disability is expected to be long-term (lasting more than 12 months), you should immediately apply for Social Security Disability Insurance (SSDI). This is a federal program with a different application process, but it's designed for longer disabilities. Be aware there's typically a waiting period. 2. If your disability is work-related at all, check if you qualify for Workers' Compensation instead. 3. Look into any private disability insurance you might have through your employer or that you purchased personally. 4. If you're a union member, check if they offer any disability extension programs. Don't wait until your benefits exhaust to explore these options - some have lengthy application processes.

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Thank you for the detailed response! My injury isn't work-related so Worker's Comp is out. I'll definitely look into SSDI right away. Do you know if there's a gap between when SDI ends and when SSDI might begin? That's what I'm most worried about - having no income at all while waiting for approval.

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GamerGirl99

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my cousin had the same problem last yr. he got the SSDI but took like 4 months to get approved and they denied him the first time!! had to appeal it. maybe check if ur construction company has long term disability insurance?? some do but dont tell u about it

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4 months with no income sounds terrifying. I'll call HR tomorrow to ask about long-term disability insurance. I've been with the company for 11 years so hopefully they have something. Thanks for the suggestion!

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Have you considered applying for unemployment? My brother-in-law did that after his SDI ran out and it helped bridge the gap until his SSDI was approved. Just a thought!

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Amina Diallo

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That's actually incorrect advice that could cause problems. To qualify for unemployment in California, you must be physically able to work and actively seeking employment. If you're still disabled and unable to work (which appears to be OP's situation), claiming unemployment benefits would be fraudulent and could result in penalties. It's an important distinction between the programs - SDI is for when you CAN'T work due to disability, while unemployment is for when you CAN work but can't find a job.

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WHATEVER U DO DONT WAIT TO FILE FOR SSDI!!!!! I waited like 2 weeks after my SDI ended and they said my "disability onset date" was when I applied not when my SDI ended and it messed up my backpay. The system is RIGGED against us!!! Also be prepared to get denied the first time, EVERYONE does, its their way of making people give up!!!!

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That's really good to know. I'll file for SSDI immediately, even though my SDI hasn't quite ended yet. Thanks for the warning about the initial denial too - I'll be mentally prepared for that now.

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Malik Jenkins

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When I exhausted my SDI benefits after cancer treatment, I struggled for weeks trying to get someone at Social Security to answer my questions about transitioning to SSDI. I kept getting disconnected or waiting on hold for hours. Finally I discovered Claimyr (claimyr.com) which got me connected to an actual person at EDD who explained the transition process and helped me understand what medical documentation I needed to submit with my SSDI application. They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd. Even though my SDI was ending, talking to an EDD rep helped clarify what steps I needed to take next.

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GamerGirl99

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does it actually work?? i tried calling edd like 20 times when my claim was messed up

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Malik Jenkins

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Yes, it definitely worked for me. I was skeptical too, but I was desperate after spending a whole week trying to get through myself. They got me connected to a rep in about 20 minutes.

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I'm in exactly the same situation. My SDI is ending after back surgery complications but I still need another procedure. I talked to my doctor about this and she mentioned there's actually an exception to the 52-week rule that nobody tells you about - if you develop a NEW disability condition that's unrelated to your original claim, you can potentially file a new SDI claim. In my case, I've developed serious depression and anxiety due to my chronic pain, and my psychiatrist is helping me file a new claim based on the mental health diagnosis. It might be worth asking your doctor if you have any secondary conditions that could qualify as a separate disability.

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Eduardo Silva

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This is actually really smart - I never thought about the secondary conditions angle. The stress of my disability definitely triggered some severe anxiety issues that my doctor has documented.

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Amina Diallo

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While this approach can work in specific situations, I want to caution that EDD reviews these cases very carefully. The new condition must be genuinely separate from the original disability, well-documented by medical providers, and severe enough to prevent working independently of the original condition. Mental health conditions resulting from physical disabilities can qualify, but EDD may scrutinize these claims more closely for documentation.

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Thank you all for the helpful advice! I've taken several actions based on your suggestions: 1. Filed my SSDI application yesterday (thanks for the urgency warnings) 2. Discovered my employer DOES have long-term disability insurance I can apply for 3. Scheduled an appointment with my doctor to discuss if any secondary conditions might qualify for a new SDI claim I'm still worried about the potential gap in income, but at least I have multiple options to pursue now instead of just panicking. This community has been incredibly helpful!

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smart move filing SSDI right away!! make sure u APPEAL if they deny u the first time, dont give up!!

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Amina Diallo

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Great job taking immediate action! The employer long-term disability insurance could be especially helpful as it often provides benefits while you're waiting for SSDI approval. Be sure to carefully check their definition of disability, as some policies have stricter requirements than SDI. Wishing you the best with your recovery!

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