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Freya Collins

SDI payment confusion after return to work - do I get a final payment?

I'm heading back to work next week after being on SDI for 3 months (stress-induced health condition). My last day of disability is officially Friday 5/15/25, but since I work a M-F schedule, I'll actually be returning on Monday 5/18/25. My SDI payments have been deposited every other Wednesday like clockwork. Will I still get a final payment on Wednesday 5/20/25 for my last few days of disability? I'm trying to budget and don't know if I should expect that final payment or if it stops immediately when I return. Also, I'm confused about how this overlaps with my first paycheck back at work - might not get paid until the following pay period. Has anyone navigated this transition period between disability ending and regular paychecks resuming?

Yes, you should receive a final SDI payment that covers through your last official day of disability (5/15/25). However, the payment might be prorated since it's not covering a full two-week period. EDD calculates SDI benefits on a daily basis, so you'll be paid for each day you were certified as disabled through your last day. I had similar timing when I returned from disability last year.

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Thank you! That makes sense about it being prorated. Do you remember how many days it took for that final payment to arrive after your last day? I'm wondering if it might be delayed compared to the regular schedule.

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just fyi ur probably NOT gonna get paid on the 20th.... my last payment took like 10 days after my final certification went thru. the timing gets messed up at the end.

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Oh no, really? That's going to cause problems with my bills. I was counting on that payment coming through on the normal schedule. Did you have to do anything special to trigger that final payment?

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The whole SDI ending process is SO confusing! When I went back to work in January, I actually got overpaid because I didn't notify them quickly enough that I was returning. Then I had to deal with repaying some of the money which was a COMPLETE NIGHTMARE. Make sure you submit your return-to-work date through your SDI Online account ASAP or call them to confirm. If you're having trouble getting through to an agent, check out Claimyr.com - they helped me connect with an actual EDD rep in under 20 minutes when I was dealing with my overpayment. They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd. Totally worth it because otherwise I would've been on hold for HOURS.

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I've used Claimyr too! Didn't know they helped with disability stuff too, thought it was just for unemployment.

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Thanks for the tip! I'll check out that service if I can't get through. I already updated my return-to-work date in my SDI Online account last week, so hopefully that prevents any overpayment issues.

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When you return to work, your employer has to report your wages to EDD. This can sometimes cause a delay in your final payment since the system needs to verify you weren't working during the disability period. In my experience (returned from disability twice), there's almost always a gap between your last SDI payment and your first paycheck. It's super frustrating! Have you talked to your HR about possibly getting an advance on your first paycheck to cover the gap?

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That's a good idea about asking for an advance. I'm meeting with HR tomorrow so I'll definitely bring that up! Our company has a weird pay schedule (every other Friday but processed 10 days earlier), so I think my first paycheck won't come until June 6th - that's a long gap to go without income.

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Let me clarify a couple things about SDI payments when returning to work: 1. SDI is calculated at a daily rate (your weekly benefit amount ÷ 7) 2. You'll be paid through your last certified day of disability (5/15/25) 3. The final payment processing typically follows your normal payment schedule 4. You MUST report your return-to-work date through SDI Online or by phone 5. If your doctor had certified you for longer than you actually needed, you should update that too The transition back to regular paychecks can create a cash flow gap, so plan accordingly. Most employers won't process your first paycheck until the end of their normal pay cycle. Some companies offer a partial advance, but it's not common.

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This is super helpful, thank you! I didn't realize SDI was calculated at a daily rate - that makes sense now. My doctor certified me through 5/15 which matches my return date, so that part should be okay.

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I ran into EXACTLY the same situation last fall!! I was supposed to go back on a thursday but ended up not returning until the following monday and IT COMPLETELY MESSED UP MY FINAL PAYMENT!!! Ended up having to call EDD like 46 times before getting through to fix it. They claimed I was trying to double dip but I WASNT!! Just be super clear with both your employer and EDD about exact dates. Document EVERYTHING!!!!

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That sounds awful! I'm going to triple-check all my dates with HR and make sure everything is consistent. Did they eventually fix your payment issue or were you just out that money?

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they did fix it but it took over a month and multiple calls... be prepared to wait on hold FOREVER or try that service someone mentioned above. the whole system is a mess honestly.

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When I was on disability for my pregnancy last year I had a similar question about the final payment. My experience was that I got the last payment about 5 days after my disability end date. It was for a partial amount (just for the days I was still on SDI). But here's something weird - they actually sent me a paper check for the final payment instead of direct deposit like all my other payments! So keep an eye on your mail too just in case.

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Oh that's interesting about the paper check! I'll definitely keep an eye on my mail. Did they ever explain why they switched to a paper check for the final payment?

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nope! never got an explanation and i didn't bother calling to ask since i eventually got the money. just another EDD mystery i guess lol

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One more important thing to note: If you've been on SDI for a medical condition (not pregnancy), you might be eligible for Partial Return to Work benefits if your doctor approves you to return on a reduced schedule. This would allow you to receive partial SDI benefits while working part-time. This requires specific certification from your doctor. If you're returning full-time, this wouldn't apply, but I mention it because many people don't know about this option.

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That's actually really good to know! My doctor did mention the possibility of starting back at reduced hours for the first couple weeks. I didn't realize I could get partial SDI during that time. I'll ask about this at my appointment tomorrow. Thank you!

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Just to update everyone - I called EDD this morning about my similar situation (returning next week after 4 months on disability). They confirmed that the final payment will be processed after my last day of disability, and it should follow the regular payment schedule. The representative said there's typically no delay for the final payment as long as you've reported your return-to-work date properly through SDI Online. Hope this helps!

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wow u actually got through to a real person?? must be nice lol. ive been trying for 3 days straight.

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Thank you so much for sharing that information! That's really reassuring. I'm going to double-check my SDI Online account right now to make sure my return date is entered correctly.

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I went through this exact same transition last summer! You should definitely get your final SDI payment, but here's what I learned the hard way - make sure to keep all your documentation organized because sometimes EDD needs additional verification for that final payment. I also recommend setting aside some emergency funds if possible because that gap between your last SDI payment and first paycheck back can be longer than expected. My employer's payroll department was super helpful in explaining exactly when my first check would come, so definitely have that conversation with HR. Also, if you're feeling anxious about returning to work after a stress-related disability, don't hesitate to ease back in if your doctor and employer allow it. The transition can be overwhelming! Good luck with your return - you've got this!

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I'm going through this exact transition right now too! Just wanted to add that when I called EDD yesterday (finally got through after using that Claimyr service someone mentioned), they told me something important: if your last day of disability falls on a weekend or holiday, it can sometimes delay the final payment processing by a few extra days. Since your last day is Friday 5/15, you should be fine, but it's worth keeping in mind. Also, I learned that if you have any unused sick days at work, some companies will let you use those for your first few days back to help bridge the gap until your regular paycheck kicks in. Might be worth asking HR about that option too. The whole process is definitely stressful when you're already dealing with recovery from a stress-related condition, but it sounds like you're being really proactive about planning ahead. That's going to serve you well! Hang in there - we're all rooting for each other through these transitions.

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Thanks for that tip about weekend/holiday delays - that's really good to know! I hadn't thought about how the timing of the last day could affect processing. Using sick days to bridge the gap is also a brilliant idea that I definitely need to ask HR about. It's so helpful to hear from people who are going through this at the same time - makes me feel less alone in navigating all these details. Good luck with your transition too! How did you find the Claimyr service? I might need to try that if I run into any issues with my final payment.

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