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36 weeks pregnant and completely lost on how to start EDD maternity leave process - HELP!

Ok I'm FREAKING OUT!! Baby is coming in like 4 weeks and I just realized I have NO IDEA how to get my maternity leave started through EDD. I've been so focused on baby prep that I totally spaced on the paperwork side of things! Is it too late?? My doctor mentioned something about SDI first, then PFL for baby bonding later, but I'm so confused about the whole process. Do I need to tell my work first? Do I need special forms from my OB? Can I apply online or do I need to mail stuff in? I work for a small marketing company (only 25 employees) and our HR person is on vacation this week. I'm terrified I'm going to mess something up and not get paid during my leave. Can someone PLEASE walk me through what I need to do ASAP??? I'm having major anxiety about this!

Deep breath! You still have time to get everything set up. Here's what you need to do: 1. First, you'll apply for Pregnancy Disability Leave (PDL) through California's State Disability Insurance (SDI) program. This covers you for 4 weeks before your due date and 6-8 weeks after delivery (depending on vaginal vs. C-section). 2. You need form DE2501 (Claim for Disability Insurance Benefits) - you can complete most of it online through SDI Online, but your doctor needs to certify your disability. 3. Talk to your doctor at your next appointment - they'll need to verify your pregnancy and expected delivery date. Most OB offices are very familiar with this process. 4. After you recover from childbirth, you'll transition to Paid Family Leave (PFL) for baby bonding, which gives you up to 8 weeks of partial wage replacement. 5. Yes, notify your employer in writing about your leave plans ASAP (even with HR on vacation). The online application is fairly straightforward at www.edd.ca.gov - create an account and follow the prompts for a pregnancy-related disability claim.

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NebulaNova

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Thank you so much! I had no idea I needed to apply for disability first. So I need to do that NOW even though I'm still working? And my doctor fills out part of it? I have an appointment next week so I'll definitely ask. Do I need to bring the form with me or do they usually have it?

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Aisha Khan

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u can actually apply for the disability now up to 9 days b4 u stop working! my sister just did this last month. most drs have the forms and know how to do it but bring the claim # with u to ur appt just in case

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NebulaNova

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Oh that's good to know! So I should start the online application first, then bring the claim number to my doctor? I'm confused about the timing - I was planning to work until 38 or 39 weeks if I feel ok.

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Ethan Taylor

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I just went through this whole process last year, and I wish someone had walked me through it beforehand! Here's what I learned: 1. You can choose when your disability starts, but most doctors won't certify it earlier than 36 weeks unless you have complications. Since you're already 36 weeks, you could potentially start it now if you're feeling ready to stop working. 2. The process works like this: - You create an SDI Online account - Fill out the DE2501 form online - Get a receipt number - Doctor completes their portion (they can do it electronically or paper) - Wait for approval (typically takes 1-2 weeks) - Start receiving benefits 3. For baby bonding (PFL), you'll file a separate claim after your recovery period. The system should prompt you when it's time to transition. 4. IMPORTANT: Your job protection comes from FMLA/CFRA, which is separate from the EDD benefits. Make sure you submit formal leave requests to your company (even with HR on vacation). The online system can be confusing - I had to call EDD several times during my process and wait times were INSANE.

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NebulaNova

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Thank you for this detailed breakdown! I'm still planning to work a bit longer if I can, but it sounds like I should at least get the application started now. I'm definitely worried about the wait times if I need to call EDD with questions - and I'm sure I'll have many! Did you have to call multiple times during the process?

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Yuki Ito

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just fyi ur small company size might matter! companies under 50 employees dont have to give fmla. doesnt effect ur edd benefits but could effect ur job protection. also make sure ur doctor knows to fill out ur return date as ESTIMATED not final!!! my doc put a firm date and it caused problems when i needed more time.

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Ethan Taylor

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This is such an important point about the return date! My doctor did the same thing and I had to get them to submit an updated medical certification when I needed more time after my c-section. Definitely specify that it's an estimate!

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NebulaNova

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Omg I didn't even think about the FMLA thing with our small company size! I need to figure this out ASAP. I just assumed I was covered. I'll definitely mention the estimated return date to my doctor too - thank you!!

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Carmen Lopez

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I tried calling EDD about 100 times when I was filing my maternity claim last year, it was a NIGHTMARE!! Keep trying though because when you finally get through, they can actually fix a lot of problems on the spot. My claim was stuck in processing for weeks until I managed to reach someone. Try calling right when they open or in the last hour before they close - those were the only times I ever got through.

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I had the same experience! I used Claimyr to get through to an EDD agent after trying for days on my own. They connected me within 30 minutes when I'd been trying for 3 days. Saved me so much stress during an already stressful time. You can see how it works in their video demo: https://youtu.be/DOLxZQb92wM?si=6N1iCQ3a8Cdb2Ay5 and their website is claimyr.com. Not super cheap but totally worth it when you're 9 months pregnant and desperate to get your maternity leave processed!

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NebulaNova

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I'm definitely going to check out that service if I have trouble reaching someone. I'll try calling at the times you suggested first, but it's good to know there's a backup option. I really can't afford to have my claim delayed!

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Andre Dupont

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When I applied for my pregnancy disability last year, my employer said I needed to use up all my sick time and vacation days BEFORE my EDD benefits would start. But then my friend said that wasn't true for her company. I'm still confused about this - does anyone know what the actual rules are? The EDD website isn't clear and I still don't know if I got cheated out of benefits I was entitled to.

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This is a common point of confusion. Your employer CAN require you to use up to 2 weeks of sick leave before SDI benefits begin, but they CANNOT force you to use vacation time first. Many employers get this wrong. SDI and PFL are your entitlements regardless of any paid time off you have available. However, some employers do have policies about supplementing the SDI/PFL (which only pays about 60-70% of your salary) with your PTO to get you to 100% pay.

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NebulaNova

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I just realized another thing I'm confused about - how much will I actually GET paid during disability and PFL? I make about $4,800 per month before taxes. Does EDD pay my full salary or just a portion? And when does the money come? Weekly? Monthly? I'm trying to budget for when baby arrives.

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Ethan Taylor

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Great question about payment amounts! Both SDI and PFL pay approximately 60-70% of your wages, up to a maximum weekly benefit. With your monthly salary of $4,800, you'd receive roughly $2,880-$3,360 per month, paid every two weeks via EDD debit card or direct deposit. The exact percentage depends on your base period earnings (basically your highest quarter of earnings in the past 5-18 months). You can use the calculator on the EDD website to get a more precise estimate. Also important: These benefits are taxable by the federal government but NOT by the state of California. EDD doesn't automatically withhold taxes, so you might want to set aside some money for tax time next year.

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Yuki Ito

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make sure u save all ur claim numbers and confirmation emails!!! my friend lost her paperwork and couldnt login to check her claim. also when baby comes dont forget to do the pfl part right away cuz u only get like 12 months from birth to use it all!!

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NebulaNova

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Good tip! I'll create a special folder in my email just for all the EDD stuff. And I didn't realize there was a 12-month limit on using the baby bonding time - that's really important to know!

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One last piece of advice as you navigate this: Create a timeline for yourself with all the different periods of leave and when you need to file each claim. Something like: 1. Pregnancy Disability (SDI): 36-40 weeks pregnant (file now) 2. Recovery Period (SDI): First 6-8 weeks after birth 3. Baby Bonding (PFL): Weeks 7/9-14/16 after birth (file after recovery) Also, document all communications with your employer about your leave. Since they're small and might not be covered by FMLA/CFRA, it's especially important to have a paper trail of what was agreed upon for your leave and return. Good luck with everything! The paperwork is a hassle, but taking the time to get it right now will give you peace of mind once baby arrives.

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NebulaNova

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This is amazing advice - thank you! I'm going to create this timeline tonight and put all the dates in my calendar with reminders. I definitely feel much more prepared now after all these responses. It still seems complicated but at least I know the steps I need to take. I'm going to start my online application right after I finish typing this!

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