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EDD SDI timing question - can I file maternity claim after using paid sick time?

So I started my maternity leave on Jan 8th (9 days ago) but haven't filed my SDI claim yet because I've been using up my paid sick/vacation time from work for these first couple weeks. I'm getting my final paycheck tomorrow that covers this initial time off. Can I go ahead and file my disability claim today, or should I wait until after I receive this last paycheck? My HR department mentioned something about EDD not paying for the first week anyway, so I figured using my company's paid time makes sense, but now I'm confused about the timing of actually submitting my claim. Don't want to mess anything up! Has anyone done something similar?

You should file your SDI claim right away! The date of disability is what matters (Jan 8), not when you file. EDD allows you to file within 49 days of your disability start date without penalty. And yes, there's a 7-day waiting period for SDI that isn't paid, so using your sick/vacation time for that first week is smart. Your employer's payment won't affect your EDD benefits as long as you're honest about the dates you received wages on your certification forms. Just make sure when you fill out the DE2501 form you put January 8th as your first day disabled.

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Thank you!! This is exactly what I needed to know. So I can apply today with Jan 8 as my start date, even though I'll get a paycheck tomorrow? Just want to make sure I don't accidentally commit fraud or something!

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When I had my baby last yr I waited like 3 weeks to file bcuz I was using sick time too!! It was totally fine, just put ur actual first day out (1/8) on the application. The important thing is that u file within 49 days of ur first day out

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That's a relief to hear someone else did this too! I was stressing out thinking I might have waited too long already.

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Just to clarify some important details: you're absolutely fine to apply now using 1/8 as your first day of disability. When you complete your claim, you'll need to report any wages received during your claim period. This includes sick pay, vacation pay, PTO, etc. - these are all considered "wages" that you need to report. The system is designed to handle this situation, so don't worry. One thing to prepare for: after your baby is born and your pregnancy disability ends (typically 6 weeks for vaginal delivery, 8 weeks for C-section), you'll need to transition to Paid Family Leave (PFL) for baby bonding. That requires a separate application using form DE2508. Many people get confused by this transition.

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This is important! So many pregnant woment get confused about the difference between disability and baby bonding. My friend thought it was all one program and ended up with a gap in benefits for like 2 weeks!

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Omg the EDD phone system is IMPOSSIBLE when you need to ask specific questions about maternity leave timing! I was in your exact situation last month and needed to confirm some details about wage reporting, but spent like 2 hours on hold before getting disconnected. I finally used this service called Claimyr (claimyr.com) that got me connected to an actual EDD rep in less than 20 minutes. They have a video showing how it works: https://youtu.be/DOLxZQb92wM?si=6N1iCQ3a8Cdb2Ay5. Totally worth it for getting clear answers directly from EDD about your specific situation.

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I might need this later! Especially for that transition between disability and baby bonding you mentioned. Bookmarking this for future reference.

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Your not going to be paid for that first wk anyway (waiting period) so it makes sense to use sick time. I filed my claim on day 10 and backdated it to my first day off and it was processed with no issues. Just remember disability is only 60-70% of your wages up to the maximum (which I think is like $1550/wk now in 2025) so that's why most people use some sick time at the beginning.

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Is it really $1550 a week maximum now?? When I had my first baby in 2023 it was only like $1300 something. Inflation I guess! 🤷‍♀️

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I'm going through EXACTLY the same thing right now! Started leave on 1/3, using sick time for these first two weeks, and was worried about the timing. I talked to my doctor's office yesterday and they said as long as they submit their portion of the medical certification within 49 days of your first day off, you're good. Have you already had your doctor complete their portion of the claim?

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Not yet! I have an appointment tomorrow and plan to bring the form with me. Does your doctor charge a fee to fill it out? Mine mentioned there might be a $25 form fee which seems annoying.

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To follow up on the earlier advice - after you file your SDI claim online, EDD will send you a notice with your Weekly Benefit Amount calculation. When you get your first certification form (either online or by mail depending on how you set up your account), that's when you'll need to report the sick/vacation pay you received after Jan 8th. Just be very accurate with the dates and amounts. This same process applies when you transition to baby bonding PFL later. The key thing to remember is that wage reporting is date-based - you report wages for the specific certification period they're asking about, regardless of when the money actually hit your bank account.

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Thanks for the detailed explanation! One more question - when I apply today, should I list the sick time hours I've used since Jan 8th somewhere on the initial application, or is that only reported later on the certification forms?

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