


Ask the community...
I'm 60 and was in your exact situation about 6 months ago - laid off from my supervisor position at a packaging company and terrified that unemployment would mess up my retirement plans. I spent weeks researching this and even called AARP's helpline to get clarification. The answer is definitively NO - unemployment benefits will not reduce your Social Security retirement benefits in any way. They're completely separate programs with different funding sources. Social Security is calculated from your highest 35 years of earnings where you paid SS taxes, and unemployment doesn't count as earnings for this calculation. What helped me most was actually creating the my Social Security account online and seeing that my projected benefits stayed exactly the same throughout my 5 months on EDD. With your 40 years of work history, a few months of unemployment won't even be a blip in your Social Security calculation. The only real impact is the temporary pause in retirement savings contributions, but that's manageable. Don't let this worry steal your peace of mind - you've got enough stress with job hunting. Your retirement security is intact!
Thank you so much for mentioning the AARP helpline - I didn't even think to call them! It's incredibly reassuring to hear from someone who's 60 and went through this exact same worry just a few months ago. The fact that you actually saw your projected benefits stay the same throughout your 5 months on EDD is exactly the kind of concrete proof I needed to hear. I think what's been driving me crazy is that this is my first time ever being unemployed, so everything feels uncertain and scary. But hearing from you and everyone else here who've walked this exact same path really helps me realize I was creating a problem that doesn't even exist. You're absolutely right that I should be putting my energy into job hunting instead of losing sleep over my retirement benefits. I'm going to create that Social Security account this week and then focus all my attention on finding my next position. Really appreciate you taking the time to share your experience!
I'm 57 and went through this exact same fear when I got laid off from my office job about 4 months ago! I was convinced that collecting EDD benefits would somehow reduce my Social Security payments when I retire. After losing sleep over it for weeks, I finally did what several others here mentioned - I created a my Social Security account at ssa.gov and looked at my actual projected benefits. Even after being on unemployment for months, my estimated retirement benefits were exactly the same as before I lost my job. It really drove home what everyone's saying - these are completely separate systems that don't affect each other at all. The Social Security calculation is based on your lifetime earnings where you paid SS taxes, not on whether you collected unemployment at some point. With decades of work history like you have, a temporary period of unemployment is basically invisible in the calculation. The only real impact is missing out on 401k contributions while you're between jobs, but that's not permanent damage. Don't waste your energy worrying about this like I did - put it all into your job search instead. Your retirement benefits are safe!
This is such a relief to hear from someone who actually went through the process of checking their Social Security account online! I think that's exactly what I need to do to put this worry to rest once and for all. It's amazing how many people in this thread have had the exact same fear - it makes me feel so much less alone in this situation. You're absolutely right that I should stop wasting energy on something that isn't even a real problem. Being unemployed for the first time at this age has made me question everything, but hearing all these real experiences from people who've been exactly where I am really helps. I'm going to create that Social Security account this week and see for myself that my benefits are intact, then channel all this nervous energy into finding my next job. Thank you for sharing your story - it really helps to know I'm not the only one who went through this panic!
This thread has been incredibly informative! I'm currently providing IHSS care for my disabled brother and just got my hours reduced to almost nothing at my office job. From reading everyone's experiences, it's clear that since I'm caring for my sibling (not spouse or minor child), my IHSS wages will count toward my UI benefits. What I'm wondering about is the timing of filing - should I wait until my office hours are completely eliminated, or can I file now while still working reduced hours? Also, I noticed someone mentioned keeping records aligned with EDD's Sunday-Saturday certification weeks rather than IHSS pay periods - this is such a practical tip that I hadn't thought of! Has anyone had success using a specific method or app for tracking these hours by week? I want to make sure I'm super organized from the start since accuracy seems so important based on what others have shared about overpayment issues. Thanks to everyone for sharing such detailed experiences - this community is amazing!
You can definitely file now while still working reduced hours at your office job! EDD allows you to file for partial unemployment benefits when your hours are significantly reduced - you don't need to wait until you're completely unemployed. When you certify each week, you'll report earnings from both your office job (however few hours) and your IHSS work, and EDD will calculate your partial benefits accordingly. For tracking hours by certification week, I found it really helpful to set up a simple spreadsheet with columns for each job and rows for each Sunday-Saturday period. Some people use apps like Hours Tracker or even just a note-taking app with weekly templates. The key is being consistent about recording everything as it happens rather than trying to remember later. Since you're caring for your brother, those IHSS wages will definitely be included in your benefit calculation, so accurate tracking will help ensure you get the right benefit amount and avoid any issues down the line.
This has been such an incredibly helpful thread! I'm currently doing IHSS for my elderly father and just found out my retail job is ending next month due to store closure. Reading through all these detailed experiences, I now feel confident that my IHSS wages will count toward my UI benefits since I'm caring for my parent (not spouse or minor child). The breakdown of the $99 threshold and 75% reduction formula is especially useful - I had no idea how that calculation worked! One thing I'm curious about that I haven't seen mentioned yet - has anyone dealt with seasonal variations in IHSS hours affecting their weekly certifications? My father's care needs fluctuate based on his health, so some weeks I might work 20 IHSS hours and other weeks might be 35+ hours. I'm wondering if these fluctuations will complicate the certification process or if EDD is used to seeing variable part-time earnings. Also, does anyone know if there's a limit to how many hours of IHSS work you can do while still being considered "available" for other employment? Thanks to everyone for sharing such valuable real-world experiences - this thread should be bookmarked for anyone dealing with IHSS and unemployment!
The fluctuations in IHSS hours shouldn't complicate your certifications at all - EDD is definitely used to seeing variable part-time earnings from all types of work. When you certify each week, you'll just report whatever IHSS hours and earnings you actually worked that specific Sunday-Saturday period, whether it's 20 hours or 35+ hours. The key is accuracy for each individual week rather than consistency across weeks. As for hour limits while remaining "available" for other employment, there's no specific IHSS hour cap that I'm aware of, but EDD does expect you to be able to accept suitable work if offered. Since caregiving often has flexible scheduling (especially family care), most people can demonstrate availability for traditional employment. Just be prepared to explain how you can balance both if asked during any interviews. The variable nature of your father's care needs actually supports the argument that your schedule is adaptable to accommodate other work opportunities!
I'm about 10 weeks out from my balance hitting zero and this thread has been absolutely invaluable - honestly wish I'd found it months ago! Reading everyone's experiences has given me so much practical information that I never found on any official EDD site. The California Training Benefits program sounds like exactly what I need. I'm in project management and have been wanting to get my PMP certification but couldn't afford it. If CTB covers that kind of training, it could actually make this whole situation into an opportunity to level up my credentials while keeping some income coming in. I'm 32 and have been really resistant to the idea of taking retail or service jobs because I thought it would hurt my professional image somehow. But hearing from so many experienced professionals who've successfully navigated this has completely changed my perspective. The story about meeting a future boss at a coffee shop really hit home - you never know where opportunities might come from. Planning to start my backup job applications this week at places like Target and maybe look into some freelance project management work on Upwork. Also going to call my local workforce center and research CTB options. Thanks to everyone for being so open about your situations - it's scary but knowing we're all in this together and that there are actually options makes it feel way more manageable!
I'm in almost exactly the same situation - my balance runs out in about 3 weeks and I've been searching in operations management for 6 months with very little luck. This thread has been incredibly helpful and honestly the first place I've found real answers about what happens after benefits end. I had no idea about the California Training Benefits program or that you could get partial unemployment with part-time work - those are huge game changers for planning! I've been putting off the reality of needing temporary work because at 35, applying for retail jobs feels like such a step backward. But reading all these stories from other professionals has really shifted my perspective. You're absolutely right that keeping a roof over your head is more important than pride. I'm definitely going to start applications at places like Costco and Target this week while continuing my operations search. Also planning to look into CTB for Six Sigma or supply chain certifications - those would actually make me more competitive for the roles I'm targeting anyway. The advice about starting early instead of waiting until you're completely broke is spot on. I wish I'd been this proactive months ago instead of just hoping something would come through. Thanks for sharing your story so openly - knowing other experienced professionals are navigating this same struggle makes it feel way less isolating. We've got this!
I'm so grateful I found this thread! I'm currently seeing the exact same "DQ redetermination qualification" status on my account as of yesterday and was having a complete meltdown thinking I had somehow ruined my claim. I've been unemployed for about 5 weeks after getting laid off from my tech job and this is my first time ever filing for unemployment, so every little status change feels terrifying. Reading through everyone's experiences here has been such a huge relief - it sounds like this is actually EDD working to resolve issues rather than creating new problems. The fact that so many people got paid after seeing this status gives me so much hope! @Ezra Beard thank you for posting this question and keeping us all updated with your progress. It really helps to see the whole journey from start to finish. Based on all these responses, it seems like most people see their payments come through within 3-7 days, which makes the waiting a little more bearable. Fingers crossed mine follows the same pattern because rent is definitely looming! It's amazing how this one thread has turned my panic into cautious optimism.
@Oliver Schmidt I completely understand that panic! I just went through this exact same thing last month and had the same meltdown reaction when I first saw DQ "redetermination qualification appear" on my account. Being new to unemployment makes every status change feel like a potential disaster, especially when you re'already stressed about finances. But honestly, after reading through this entire thread and seeing so many similar positive outcomes, it s'clear that this status is actually a really good sign! It means they re'actively reviewing and fixing whatever small issue they found, rather than your claim just sitting there ignored. The tech industry layoffs have been brutal lately, so I totally feel for what you re'going through. From what I m'seeing here, most people got their payments within a week of this status appearing, and many didn t'have to do anything additional - it just resolved automatically. Try to hang in there - the waiting is definitely the hardest part, but it sounds like you re'almost through it! This thread really is a lifesaver for understanding what these confusing status messages actually mean.
This thread has been incredibly helpful! I'm currently seeing the same "DQ redetermination qualification" status on my account for the past 3 days and was absolutely panicking until I found this discussion. I got laid off from my healthcare job about a month ago and this whole unemployment system is so confusing and stressful. Reading everyone's experiences here has given me so much relief - it sounds like this status actually means good news rather than bad! @Ezra Beard thanks for posting this and updating everyone with your progress. It's so reassuring to see that yours got resolved quickly and automatically. Based on all these responses, it seems like most people see their payments go through within a few days to a week after this status appears. The waiting is definitely nerve-wracking when bills are piling up, but knowing that so many others went through the exact same thing and got paid gives me hope that mine will resolve soon too. This community is amazing for helping each other navigate EDD's confusing system!
@Holly Lascelles I m'so glad this thread helped you too! I literally just went through this exact same situation about two weeks ago - same status, same panic, same relief after finding this discussion. Healthcare layoffs are especially tough right now, so I really feel for what you re'going through. What really struck me about everyone s'experiences here is how consistent they are - almost everyone who saw DQ "redetermination qualification ended" up getting paid within 3-7 days without having to do anything extra. It really does seem like this is just EDD s'way of saying they re'double-checking something before releasing your payment. I know the waiting feels endless when you re'worried about bills, but based on all these stories, you re'definitely on the right track! This community really is a lifesaver for making sense of EDD s'confusing status messages. Hang in there - it sounds like you ll'see that status change to paid very soon!
Zadie Patel
This is such a stressful situation but you're not alone! I went through something similar last year where EDD claimed I had unreported wages that were way higher than what I actually earned. A few things that really helped me: 1. Document EVERYTHING - not just paystubs but also your work schedules, timesheets if you have them, and any communication with your employer 2. The fact that you found another employee with a similar name is HUGE - that's probably exactly what happened 3. Don't wait for the appeal if you can help it - keep trying to reach EDD directly as others mentioned One thing I learned is that when employers use automated payroll systems, name mix-ups happen more often than you'd think, especially in large companies. Your HR department should be able to provide a letter confirming the error and your actual wages. Stay strong and don't give up! The appeals process worked for me even though it took forever. You clearly have your documentation in order and a legitimate explanation for the discrepancy.
0 coins
Mateo Warren
•This is exactly the kind of comprehensive advice I needed to hear! You're right about documenting everything - I've been scrambling to gather all my paperwork but I hadn't thought about getting my actual work schedules. I'll ask my manager for copies of those too. The name mix-up thing makes so much sense now that I know there's another employee with almost my exact name. I'm definitely going to push HR to provide that letter you mentioned. Thank you for the encouragement - it's easy to feel defeated when dealing with EDD but hearing success stories like yours gives me hope!
0 coins
StellarSurfer
I went through almost this exact same situation about 6 months ago! EDD said I had earned $3,800 that I never reported, but I was only working part-time at a grocery store making maybe $1,200/month. Turns out it was a payroll system glitch where my wages got combined with someone who had a similar employee ID number. Here's what saved me: I immediately contacted my HR department and asked them to pull my wage records and compare them to what they reported to EDD. They found the error within 2 days and submitted a corrected wage report. The whole thing got resolved without even needing the formal appeal process. Since you found that other employee with a similar name, definitely start there with HR. Get them to confirm your actual wages and ask them to check if there was any mix-up in their reporting. Sometimes fixing it at the employer level is way faster than going through EDD appeals. Also keep all your documentation ready just in case, but hopefully HR can resolve this quickly. Don't let this stress eat you alive - these mistakes happen more than you think and most get resolved once the right people look into it!
0 coins