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Ravi Malhotra

Can I take job-protected baby bonding leave without filing for EDD PFL benefits?

Hey everyone, I'm a bit confused about my rights here. My company offers job protection for baby bonding leave (my daughter is due in March 2025), but I'm in a situation where I don't actually want/need to receive PFL benefits from the state. I have sufficient savings and my partner's income to cover our expenses during my time off. My question is: Can I just take the job-protected baby bonding leave through my company WITHOUT filing an EDD claim? Or am I somehow required to submit a PFL claim even if I don't want the benefit payments? Will I get in trouble for not filing with EDD? My HR department was super vague about this and just kept saying "most people file for PFL" without answering my actual question about whether it's mandatory. Just want to make sure I'm doing everything legally correct while still making the choices that work best for my family. Thanks in advance!

You're absolutely not required to file for PFL benefits if you don't want or need them! The state benefit (Paid Family Leave) is completely separate from your job protection rights. Job protection can come from different laws like FMLA, CFRA, or your company's own policies. These protect your job regardless of whether you apply for state benefits. PFL just provides partial wage replacement during that time off. So yes, you can decline to file for PFL and just use your job protection rights. There's zero requirement that you must apply for state benefits, and you definitely won't get in trouble for not filing.

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Ravi Malhotra

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Thank you!! That's such a relief. My HR person made it sound like everything was tied together and I got confused.

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Omar Farouk

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Just curious - why wouldn't you want to get the PFL benefits? You pay into SDI with every paycheck (it shows up as CASDI on your paystub). It's literally YOUR money that you've been contributing! I totally respect your choice either way, just seems like you'd be leaving money on the table that's rightfully yours.

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Ravi Malhotra

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That's a fair question! Two reasons: 1) I'm honestly a bit intimidated by the whole EDD process and paperwork - I've heard horror stories. 2) My company offers a supplemental benefit that would make my total compensation over 100% if combined with PFL (they pay the difference), and I'd rather save that state money for someone who really needs it. Maybe that's silly, but it feels right to me.

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Chloe Davis

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not silly at alll, but just know that PFL is NOT a welfare program - its an insurance program that YOU pay premiums for thru your paycheck deductions. its literally your money! but u do u :

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AstroAlpha

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My HR gave me the same runaround last year with my twins! They kept pushing me to file for PFL when I didn't want to. I ended up just taking my 12 weeks of CFRA leave without state benefits and it was TOTALLY FINE!!!! You are NOT required to file for state benefits!!!!!!

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Ravi Malhotra

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That's really reassuring to hear! Did you have any issues with documentation or anything?

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AstroAlpha

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nope! just had to fill out my company's CFRA paperwork. my doctor had to certify the birth (obviously LOL) but that was it. no EDD forms or anything.

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Diego Chavez

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OP listen to me... TAKE THE MONEY FROM EDD. I thought like you before my baby was born in 2023. I had savings, husband had good job, didn't want the hassle. BIG MISTAKE. Babies are way more expensive than you think and that PFL money would have really helped. Just my 2 cents but don't leave money on the table that you've been paying into for years.

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Ravi Malhotra

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I appreciate the advice - we've run the numbers pretty carefully but I know babies come with unexpected expenses too. I'll give it some more thought!

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Yep, this comment is spot on! My spouse and I thought we were financially set for our baby bonding time too. Then our hot water heater exploded the week baby came home, car needed emergency repairs, and insurance denied coverage for some birth complications. That PFL money was a lifesaver when our carefully planned budget went out the window!

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Sean O'Brien

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To clarify what others have said: 1. Job Protection (FMLA/CFRA/company policy) = You keep your job while on leave 2. PFL = Partial wage replacement through the state These are completely separate. You can have one without the other. Many people use both simultaneously, but you're not obligated to. If you decide to take PFL later (you can file within 41 days of your baby bonding start date), calling EDD directly can save hours of frustration. I used a service called Claimyr (claimyr.com) to connect with an actual EDD agent in minutes instead of waiting on hold forever. Helped me sort out a confusing situation quickly - they have a video showing how it works: https://youtu.be/DOLxZQb92wM?si=6N1iCQ3a8Cdb2Ay5

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Ravi Malhotra

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Thank you for breaking it down so clearly! And for the tip about filing within 41 days - I didn't know there was a window where I could change my mind. That's great to know.

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Omar Farouk

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Jsut FYI one thing people haven't mentioned: if you DO decide to take PFL but don't want to deal with EDD yourself, your company might have a third-party administrator that can handle everything. My company uses Sedgwick and they filed all my paperwork for me - I just had to sign some forms. Worth asking HR if they offer something similar!

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Ravi Malhotra

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Oh that's interesting! I'll definitely ask about that. If they have something like that it might change my decision.

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Chloe Davis

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everyone is right that u dont hafta file for PFL if u dont wanna. BUT i think ur HR person is confused too lol. they prob meant that u need to fill out their internal paperwork for ur job protection leave, which is different from EDD paperwork. make sure ur on the same page with them about that!

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Ravi Malhotra

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You're probably right that we were talking past each other! I'll be more specific when I talk to them next time.

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Since you mentioned you're expecting in March 2025, I wanted to add one more thing: California expanded PFL benefits from 8 weeks to 10 weeks starting January 2025. If you do decide to apply later, you'd be eligible for the expanded benefit period. Just FYI!

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Ravi Malhotra

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Oh wow, I hadn't heard about the expansion! That's really good to know. Thank you for mentioning it!

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AstroAlpha

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wait WHAT?? they expanded it again?? is this confirmed? OMG i might have another baby just for this LOL jk jk... kinda

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Luis Johnson

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Hey Ravi! Just wanted to chime in as someone who went through this decision last year. You're absolutely right that you don't have to file for PFL - it's completely optional. I ended up taking my full 12 weeks of bonding leave through my company's policy without filing for state benefits, and it was totally fine. One thing I'd suggest is getting your HR's policies in writing so you're crystal clear on what documentation they need for job protection vs. what EDD would need if you changed your mind later. Also, congrats on the upcoming arrival! March babies are the best (totally not biased as a March baby myself 😊). You sound like you've really thought this through and have your finances sorted - trust your instincts!

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