EDD SDI after C-section before PFL baby bonding - correct order?
Hello everyone! I'm scheduled for a C-section delivery in about 2 weeks (eek!) and I'm trying to finalize my leave strategy. Several coworkers have mentioned that I should file for State Disability Insurance (SDI) first for the recovery period (they mentioned 6-8 weeks for C-section) and THEN apply for the 8 weeks of Paid Family Leave (PFL) for baby bonding afterward to maximize my paid time off. Is this actually the right sequence? I'm getting nervous because my HR dept wasn't super clear about this. Has anyone navigated this recently? Does this approach actually extend the total paid time I can get? I'd really appreciate hearing about recent experiences with this transition from SDI to PFL, especially with a C-section recovery timeline. Thanks so much!!
18 comments
Carmella Fromis
Yes! That's exactly the correct sequence. I delivered via C-section in February 2025 and here's how it worked: I received SDI for 8 weeks post-surgery for recovery (standard for C-sections), then transitioned to 8 weeks of PFL for baby bonding. The key is that these are two separate benefits with different purposes - SDI covers your medical recovery, while PFL covers bonding time. You'll submit your initial claim on DE2501 form for disability, then about 1-2 weeks before your SDI ends, you'll file the DE2508 form for PFL. Don't file them simultaneously or you'll create confusion in the system. Make sure your doctor documents the C-section on your medical certification to qualify for the full 8 weeks of SDI instead of the 6 weeks for vaginal delivery.
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Ryder Greene
•Thank you so much! That's super helpful. Quick follow-up - do I need to wait until AFTER my C-section to file the initial SDI claim? Or can I submit it a week or two before my scheduled date?
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Theodore Nelson
This is gonna sound dumb but I actally messed this up lol. I had a C-section last november and filed for BOTH benefits at the same time because I thought that was efficient. Big mistake!!! It caused a 3 week delay in my payments because the system got confused. Definitely do what the previous person said - file SDI first, then wait until that's almost done before you apply for PFL. Also take screenshots of EVERYTHING you submit online. The EDD website randomly logged me out twice during my application process and I had to restart!!
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AaliyahAli
•omg same thing happened to me with the website! kept crashing when i was trying to do my certification. so annoying
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Ellie Simpson
You've got the right idea. The full sequence goes: 1. Pregnancy Disability Leave (PDL) through SDI: This starts when your doctor certifies you're disabled due to pregnancy (can be before birth) and extends 8 weeks after C-section 2. Baby Bonding through PFL: 8 weeks that must be taken within 12 months of birth In total, you can potentially get up to 16 weeks of paid benefits (sometimes more if you have pregnancy complications before birth). Just remember that SDI pays approximately 60-70% of your wages while PFL pays the same percentage. Also, your employer's policies might offer supplemental pay to bring you closer to 100%, so check with HR about that too. One other crucial tip: start gathering your wage information from the past 18 months now, as EDD sometimes miscalculates benefit amounts.
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Arjun Kurti
•Ugh the mathmatics for the PFL payments made my brian hurt. I got way less $$$ than I thought I would because of how they calculate the benefit. Make sure you budget accordingly!
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Raúl Mora
Anyone here try to reach EDD before filing to ask questions? I spent FOUR HOURS on hold and then got disconnected last month when I was trying to do exactly what you're describing. Was there in the third trimester on hold so long I thought I might deliver before someone answered 😂
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Margot Quinn
•I had the same problem with the endless hold times! After my third disconnected call, I found this service called Claimyr that got me through to an EDD representative in about 20 minutes instead of waiting for hours. It was actually worth it because the agent walked me through the entire SDI to PFL transition process step by step. They have a demo video of how it works at https://youtu.be/DOLxZQb92wM?si=6N1iCQ3a8Cdb2Ay5 and their website is claimyr.com if you're interested. Saved me a lot of stress during an already stressful time!
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Arjun Kurti
Yes I did exactlty this in December! But be warned my doctor only certified me for 6 weeks after my c-section even tho everyone says its supposed to be 8 weeks. When I called the doctors office they said it depends on your recovery and they can extend it if needed but don't automatically give 8 weeks to everyone with a c-section. So don't count on the full 8 weeks of SDI unless your specific doctor approves it.
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Ryder Greene
•That's good to know - I'll definitely talk to my doctor about this at my next appointment to make sure we're on the same page about the recovery timeframe. Thanks for the heads up!
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Evelyn Kim
I'm actually dealing with this right now. Had my c-section 7 weeks ago and just submitted my PFL claim yesterday. The most annoying part was that I had to create a whole new online account for the PFL portion! My existing SDI online account wouldn't let me file the PFL claim for some reason. Also make sure you have your baby's birth certificate or hospital documentation ready - they required proof of birth for the PFL portion that wasn't needed for the SDI part. Good luck with your delivery!!
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Theodore Nelson
•That's weird about needing a new account - I didn't have to do that last year. Maybe they changed the system? The EDD website is so glitchy and inconsistent 🙄
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Carmella Fromis
One more important thing I forgot to mention: When you transition from SDI to PFL, there can sometimes be a 1-2 week gap in payments while they process the new claim. Make sure you have some savings to cover this period just in case. Also, you can actually file your PFL claim up to 2 weeks before your SDI ends - I recommend doing this to minimize any gap between benefits. The online system should allow you to specify the start date for PFL that coincides with the end of your SDI benefits.
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Ryder Greene
•Thank you for this additional tip! I'll definitely plan for a potential gap in payments. Is there anything specific I should say on the PFL application to make sure they understand I'm transitioning from SDI?
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AaliyahAli
congrats on ur baby! i had my c section in january and yes do the disability first then pfl after. make sure u tell ur doctor to put 8 weeks on the form cuz mine tried to only give me 6 which is wrong for c sections!!! also when u do the online stuff save the claim number they give u cuz if the website crashes (it will lol) u need that number to get back to ur application
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Ellie Simpson
•Very good point about saving the claim number. I recommend taking screenshots of each page as you complete them, as well as any confirmation numbers. The EDD system has been known to lose information during submission.
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Margot Quinn
I just went through this whole process (my baby is 4 months old now). You're getting good advice here about doing SDI first and then PFL. One thing to be prepared for - when you transition from SDI to PFL, you might get some confusing notices. I received a letter saying my SDI claim was "closed" which briefly sent me into a panic thinking I'd done something wrong. It's just their normal process when one benefit ends and another begins. Also, if you need to speak with someone at EDD about your benefits (which you likely will at some point), set aside a full day for calling. Their phone lines are ridiculously busy, especially in the morning. I found slightly better luck calling around 3-4pm.
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Arjun Kurti
•That "claim closed" letter freaked me out too!!! I thought they were cutting off my benefits early for some reason. They really need to update their notifications to be more clear.
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