Switching from UI to SDI after car accident injury - need help ASAP
I'm in a really tough spot and could use some advice from anyone who's navigated this before. I started a UI claim about 10 days ago because I lost my restaurant manager job, but then 3 days later I was in a pretty bad car accident (not my fault). I've got a concussion, whiplash, and potentially some nerve damage in my shoulder that's making it impossible to work. My doctor says I should be focusing on recovery for at least 6-8 weeks. I'm realizing I should probably be on SDI instead of UI since I'm physically unable to look for work or accept job offers right now. Does anyone know how to convert/switch from unemployment to disability? I've tried calling EDD multiple times but it's impossible to get through. Should I just file a new SDI claim even though my UI claim is pending? Will this mess up both claims? This is my first time dealing with either program and I'm completely lost. Thanks for any help!
19 comments
Dylan Evans
just file for sdi right away. theres no way to convert UI to SDI, its 2 different systems. you have to stop your UI claim and file a completely new SDI claim. you cant collect both at the same time anyway
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Fatima Al-Mansour
•Thanks for the quick response! So I should just file SDI and then cancel my UI claim? Or stop certifying for UI first and then file SDI? I'm afraid of doing something wrong and getting penalized.
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Sofia Gomez
I had a similar situation last year. Here's what you need to do: 1. Stop certifying for UI immediately. Do not claim any weeks where you were medically unable to work, as that's UI fraud (since you must be able and available for work to receive UI) 2. File a new SDI claim online through SDI Online. Make sure to have your doctor complete the medical certification part ASAP. 3. In the SDI application, you'll need to indicate that you filed for UI recently. Be honest about the dates. 4. Your SDI claim will use the same base period wage information as your UI claim, so the weekly benefit amount might be similar. 5. There's a 7-day unpaid waiting period for SDI, so benefits won't start immediately. Don't worry about "converting" - just stop one and start the other. The systems don't talk to each other very well.
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Fatima Al-Mansour
•This is incredibly helpful, thank you! One follow-up question - for the medical certification, does my doctor need to fill out a specific form or can they just send documentation about my injuries from the accident? And do you know how long SDI typically takes to process once everything is submitted?
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StormChaser
omg u cant convert them! i tried this last year and got in BIG trouble. they said i was commiting fraud by certifying for UI when i wasnt able to work!!! stop your UI claim right now!!!
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Dmitry Petrov
•That's not exactly fraud if they didn't know better. The EDD should have better information about this. But yes, @OP should stop certifying for UI immediately if they can't work due to medical reasons.
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Ava Williams
Your physician will need to complete the medical certification portion of the SDI claim through SDI Online. This is called the "Physician/Practitioner Certification" and it must be submitted within 30 days of your disability beginning. Make sure to give your physician your receipt number after you submit your claim. Regarding processing times, it typically takes 14-21 days for a clean SDI claim to process, but it can take longer if there are any issues or if EDD needs additional information. The 7-day waiting period is unpaid but counts toward your total benefit period. One thing to note: since your disability occurred after you filed for UI, you need to be very clear about the exact date your disability began. If you certified for any UI benefits for weeks where you were disabled, you may need to repay those benefits. By the way, if you're struggling to reach EDD, I discovered Claimyr (claimyr.com) which helped me get through to an actual person at EDD when I was having issues with my claim. They have a video showing how it works: https://youtu.be/1X-mEsLtbmQ?si=1hcSq3KFtCr4oAmd. Saved me hours of frustration!
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Fatima Al-Mansour
•Thank you for the detailed explanation! I'll make sure to be very specific about the dates. The accident happened 3 days after I filed for UI, but I haven't certified for any weeks yet since my first certification period hasn't come up. I'll check out that service too - getting through to EDD seems impossible right now.
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Miguel Castro
Why don't you just collect both? Double the money! 🤣 JK don't do that, they'll catch you and it's fraud. Serious question though - was the other driver at fault? Because you might want to look into filing a personal injury claim too since they should be covering your lost wages.
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Zainab Ibrahim
•This is actually important advice. If the accident wasn't your fault, the other driver's insurance should cover lost wages, medical expenses, and pain and suffering. SDI is great, but it's only about 60-70% of your wages, while a personal injury claim could potentially cover 100% plus additional damages. You should consult with a personal injury attorney - many offer free consultations.
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Connor O'Neill
The same thing happened to my sister-in-law two years ago and it was a NIGHTMARE. She ended up with no income for almost 6 weeks because EDD flagged her account for potential fraud when she tried to switch from UI to SDI. Eventually she got it sorted out but she had to send in all kinds of documentation proving she wasn't trying to double-dip. Just be super careful about documenting everything!
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Fatima Al-Mansour
•Oh no, that sounds horrible! Did she have to provide anything special to prove she wasn't committing fraud? I'm already stressed about paying bills during recovery, can't imagine going 6 weeks with nothing.
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Dmitry Petrov
I want to add something important that no one has mentioned yet. If your car accident injuries are expected to last less than a year, then yes, SDI is appropriate. However, if your doctor believes your injuries might result in long-term disability (over a year), you might want to consider also applying for SSDI (Social Security Disability Insurance). SDI in California only lasts up to 52 weeks, while SSDI is for longer-term disabilities. It's harder to qualify for SSDI, but the application process takes months, so some people apply for both simultaneously if they're uncertain about recovery timeframes. Also, regarding your UI claim - if you haven't certified for any weeks yet, you're in good shape. Just don't certify, file your SDI claim, and you should be fine.
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Fatima Al-Mansour
•Thank you for bringing this up. My doctor thinks I should recover within 2-3 months if everything goes well, so I'm hoping SDI will be sufficient. I'm mainly concerned with the immediate situation right now, but it's good to know about SSDI if complications arise.
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Sofia Gomez
One more thing I forgot to mention - keep a detailed record of all your communications with EDD, including dates, times, who you spoke with, and what was discussed. Take screenshots of any online submissions or status changes. This documentation can be crucial if there are any issues or disputes later. Also, once your SDI claim is approved, make sure you understand the certification process, which is different from UI. For SDI, you'll receive forms (DE 2500A) to certify your continued disability, usually every two weeks. Missing these certifications can cause payment delays.
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Fatima Al-Mansour
•Great advice about keeping records - I'll start a dedicated folder for all EDD communications. I didn't realize SDI also had a certification process. Is it done online like UI certification, or do they mail physical forms?
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Ava Williams
For SDI certification, you have two options: 1. Online certification through SDI Online (most convenient) 2. Paper forms (DE 2500A) that are mailed to you I recommend setting up the online option if possible. It's much faster and you don't have to worry about mail delays. Regarding your earlier question about processing times - if you're facing an urgent financial situation while waiting for your SDI claim to process, you might qualify for an expedited payment. You would need to contact EDD directly and explain your hardship situation. This is another reason why getting through to an actual representative can be so important.
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Miguel Castro
•Online is WAY better! My paper forms got lost in the mail twice and it delayed my payments by over 3 weeks. The postal service in my area is terrible though lol
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Fatima Al-Mansour
•I'll definitely go with the online option then! And good to know about expedited payments - my savings won't last long with medical bills piling up.
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