7 months pregnant & job at Amazon ended - EDD PFL, SDI or UI benefits eligibility?
I'm currently 7 months pregnant and my seasonal position at Target just ended last week (was supposed to last through the holidays but they cut hours). I'm freaking out about income options before and after baby arrives. Does anyone know if I qualify for regular unemployment benefits right now? Or should I be applying for pregnancy disability instead since I'm so close to delivery? And what about PFL for after the baby comes? This is my first pregnancy and I'm completely lost about what benefits I'm eligible for or how to time everything. My OB mentioned I could potentially start disability at 36 weeks (I'm currently 32 weeks), but I need income now too. Any advice would be SO appreciated!
19 comments
Connor Byrne
You actually have a few different options here! First, since your job ended through no fault of your own, you CAN apply for regular UI benefits right now. Meanwhile, you should know that Pregnancy Disability (SDI) typically becomes available 4 weeks before your due date, and then after delivery, you can transition to PFL for baby bonding (8 weeks). Here's what I suggest: 1. Apply for UI benefits immediately to cover you until 36 weeks 2. At 36 weeks, apply for SDI using form DE2501 (your doctor will need to certify) 3. After delivery, transition to PFL for baby bonding using form DE2508 Be aware that you can't collect UI and SDI at the same time, so you'd stop UI when your disability begins.
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Zainab Ahmed
•Thank you SO much! This is really helpful. Quick follow up - do I need to do anything special when transitioning from UI to SDI? Like, do I need to formally cancel my UI claim or does it happen automatically when SDI starts?
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Yara Abboud
One important thing to add is that UI requires you to be able and available for work, and actively looking for a job. Since you're 7 months pregnant, you need to be honest about any work restrictions when certifying for UI. If your doctor has given you restrictions that would limit the types of jobs you can accept, be sure to note that on your UI certification. Otherwise, you could end up with an overpayment situation later.
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PixelPioneer
•This!!!! I was in almost the same situation last year and didn't report my work restrictions on UI. Ended up with a $2300 overpayment that I'm STILL paying back. Be super careful about this
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Keisha Williams
You can totally get pregnacy disability now if your doctor says you cant work due to your pregnacy. My friend was a nurse and got it at 30 weeks bc of back issues from the pregnacy. You dont have to wait till 36 weeks if you have complications or your job is physical.
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Connor Byrne
•This is correct - the standard timeframe is 4 weeks before delivery, but if a doctor certifies that you have pregnancy-related medical conditions preventing you from working, you can begin SDI earlier. However, it sounds like OP doesn't have a current medical need and is mainly facing a job loss situation, so UI is appropriate until medical need arises.
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Paolo Rizzo
When I had my baby last year the whole process was SO confusing. I ended up missing out on benefits because I filed the wrong paperwork at the wrong time. The EDD website is impossible to navigate and I spent HOURS on hold trying to talk to someone. Has anyone else had this problem??
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Amina Sy
•I wasted days trying to get through to EDD about my pregnancy disability to PFL transition. Finally found this service called Claimyr (claimyr.com) that got me connected to an actual EDD rep in about 20 minutes instead of spending hours on hold. They have a video showing how it works: https://youtu.be/DOLxZQb92wM?si=6N1iCQ3a8Cdb2Ay5. Totally worth it for me because the EDD rep fixed my claim issues immediately once I actually got through to a human.
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Oliver Fischer
The EDD system is BROKEN!!! I got denied pregnancy benefits at 33 weeks even though my doctor filled out all the forms correctly. Then spent 6 WEEKS trying to get someone on the phone. By the time I did, I had already given birth and they told me I needed to file a whole different claim for PFL baby bonding. Now my back pay is "under review" and I have NO INCOME while taking care of a newborn. The whole system is designed to make you give up!!!
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Keisha Williams
•omg that's terrible!! did you ever get your money? im worried about this happening to me too 😳
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Oliver Fischer
•After THREE MONTHS of fighting, I finally got the backpay. Had to involve my state representative's office to make it happen. Document EVERYTHING - dates, times, who you talked to. The system is designed to wear you down!
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Zainab Ahmed
Thank you all so much for the helpful information! I called my OB this morning and she said she's willing to put me on disability now due to some swelling and blood pressure issues I've been having. I'm going to pursue that route instead of UI since it seems like it'll be less complicated. I really appreciate all the advice and warnings about potential pitfalls!
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Connor Byrne
•That's great news! Make sure your doctor submits the DE2501 form completely - any missing information can delay your claim. And start researching the PFL baby bonding process now so you're prepared for that transition after delivery. Wishing you an easy third trimester and delivery!
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PixelPioneer
just wanted to add that when you do the PFL baby bonding make sure you submit proof of relationship!! I forgot to include my baby's birth certificate and my claim was delayed for like 3 weeks. super annoying when you're sleep deprived with a newborn and need the money!
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Zainab Ahmed
•That's really good to know, thank you! I'll definitely keep that in mind. Did you submit the original birth certificate or is a copy okay?
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PixelPioneer
•A copy is fine! I just scanned it and uploaded it to my EDD account after I got the notice about missing docs. But save yourself the hassle and just include it with your initial application!
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Natasha Ivanova
I had my baby last October and my amazon warehouse job ended in August when i was 8 months. my sister had a baby in june and she told me about all this stuff. the way it worked for me was disability for the last month of pregnancy + 6 weeks after birth (8 weeks for c-section which i ended up needing) and then another 8 weeks of baby bonding time. got about 60% of my normal pay the whole time. not perfect but way better than nothing!!
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Zainab Ahmed
•Thanks for sharing your experience! Was it fairly straightforward to transition from SDI to PFL for your baby bonding? I've heard that's where people sometimes run into issues.
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Natasha Ivanova
•it was mostly automatic but i did have to fill out the baby bonding form (cant remember the number) after i gave birth. they sent me an email when my disability was about to end reminding me to apply for PFL if i wanted it.
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