Confused about timing: Apply for PFL now after C-section or wait until disability ends?
Hi everyone! I'm currently on State Disability Insurance (SDI) after having an emergency C-section on May 25th. I've been on disability since May 1st when my doctor put me on bed rest due to pregnancy complications. My SDI claim is approved through July 6th based on my doctor's note, but I'm totally confused about when to apply for baby bonding PFL. Do I need to wait until my disability period officially ends on July 6th to submit my PFL application? Or should I apply for PFL now while I'm still healing? I don't want to mess anything up or create a gap in payments. Will PFL automatically start when disability ends, or is there some kind of waiting period? This is my first baby and navigating all this EDD paperwork while recovering from surgery and caring for a newborn is SO overwhelming! Any help from moms who've been through this would be really appreciated!
16 comments


Nathaniel Stewart
u can apply for pfl like a week b4 ur disability ends. thats what i did after my c section in march. dont wait til the last day or youll have a gap
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Lola Perez
•Thanks! So I should apply around June 29th then? Do you remember if there was any waiting period between your disability ending and PFL starting?
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Riya Sharma
You should apply for PFL approximately 5-7 days before your disability claim ends. This gives EDD enough time to process your PFL claim so payments continue smoothly. Your disability and PFL should connect without gaps if you time it right. For your situation, I'd recommend applying around June 29th-July 1st. Make sure you have your baby's birth certificate (or hospital documentation if the certificate hasn't arrived) ready when you apply. You'll need to complete the DE2508 form. Also important: your disability and PFL are two separate claims, so you need to actively apply for PFL - it doesn't happen automatically after disability ends.
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Lola Perez
•Thank you so much for the detailed explanation! This helps a lot. I was honestly worried I'd mess something up. I'll mark my calendar to apply during that timeframe. I already have the hospital documentation since my birth certificate is still being processed.
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Santiago Diaz
I HATE how confusing EDD makes all this!!! I had my c-section in January and they never explained we needed to apply for PFL separately from disability. Ended up with a TWO WEEK gap in payments while they processed my late PFL application. Literally had to borrow money for diapers. The EDD website is terrible and the instructions make no sense.
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Nathaniel Stewart
•omg same thing happened to my sister!! she thought disability would just turn into baby bonding automatically
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Millie Long
If you've been calling EDD about your disability claim, you've probably already noticed how impossible it is to get through to an actual person. When I had my baby last year, I spent HOURS trying to reach someone about transitioning from disability to PFL. I ended up using Claimyr (claimyr.com) to get through to EDD much faster. They have a service that calls EDD for you and connects you once an agent is on the line. Saved me literally hours of frustration. They have a video showing how it works here: https://youtu.be/DOLxZQb92wM?si=6N1iCQ3a8Cdb2Ay5 Definitely worth checking out if you need to speak with someone at EDD about your transition from disability to PFL!
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Lola Perez
•This is really helpful, thank you! I've tried calling EDD twice and gave up after being on hold for 45+ minutes each time. I'll check out that service if I run into issues with my application.
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KaiEsmeralda
My husband and I just went through this in April! One thing no one told us - when you apply for PFL after disability, you need to use the SAME EDD account you used for disability. My husband created a new account for the PFL application (thinking it was completely separate) and it caused a huge mess that took weeks to untangle.
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Lola Perez
•Omg thank you for the warning! I might have made the same mistake. I'll definitely use my existing account when I apply.
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Debra Bai
Everyone is giving good advice about timing, but I wanted to add something important - make sure your doctor files the final disability paperwork correctly to show you're released from disability specifically due to having delivered your baby. My doctor just marked "released to work" on my form which caused problems with my PFL application. The correct way is for them to indicate you've been released from pregnancy disability because you're no longer disabled from pregnancy (because you delivered), NOT because you're fully recovered. This distinction matters for how EDD processes your transition to baby bonding PFL. Congratulations on your baby, by the way! The paperwork is a pain, but the baby bonding time is so precious.
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Lola Perez
•Thank you so much for this advice! I have an appointment with my OB next week for a post-op check and I'll make sure to discuss this with them. I definitely don't want any issues with the transition. And thank you for the congrats - despite all the paperwork stress, I'm loving every minute with my little one!
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Gabriel Freeman
When I applied for PFL after having my baby, i applied exactly 1 week before my disability ended. But then i had this whole issue where they wanted more identity verification and it delayed everything, so maybe apply a little earlier?? like 10 days before? I dunno I think the whole system is broken anyway LOL
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Riya Sharma
One more important detail - when you apply for PFL, you'll be asked to provide your baby's date of birth and documentation. The PFL claim date should be the day after your pregnancy disability ends (in your case, July 7th). Don't put your baby's birthdate as the start date for PFL - that would create an overlap with your disability claim which can cause problems. Just to clarify: 1. Pregnancy Disability: May 1 - July 6 2. Baby Bonding PFL: Should start July 7 You apply for PFL around June 29th, but specify July 7th as the start date for benefits. This ensures a smooth transition without gaps or overlaps.
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Lola Perez
•Thank you for spelling this out so clearly! This is really helpful and makes total sense. I'll make sure to use July 7th as my PFL start date when I apply.
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Emma Wilson
Just wanted to chime in as someone who went through this exact same situation last year! All the advice here is spot-on. I applied for PFL about 8 days before my disability ended and had zero gap in payments - it was seamless. One small tip that helped me: when you're filling out the PFL application online, save it as a draft first and double-check all your dates before submitting. I caught a mistake where I accidentally put my baby's birth date instead of my PFL start date (thanks to Riya's advice above, I knew this was wrong!). Also, don't stress too much about the birth certificate - I used the hospital discharge paperwork and it was totally fine. The birth certificate took like 3 weeks to arrive anyway. You've got this mama! Focus on healing and bonding with your little one. The paperwork will work out! 💕
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