Just wanted to add that if you're really in a bind while waiting for SDI, some credit unions and community banks offer emergency micro-loans (usually $200-500) that you can get within 24-48 hours, especially if you can show pending benefits documentation. Also, many churches and community organizations have emergency assistance funds that don't require you to be a member - they often can help with utilities or groceries to free up your remaining cash for rent. One more tip: if your doctor filled out the SDI forms, ask them for a copy of what they submitted. Sometimes there are small errors or missing information that can cause delays, and catching those early can save weeks. You can also ask your doctor's office to follow up proactively if EDD contacts them for additional information. Hang in there - this situation sucks but you'll get through it. Focus on the SDI claim and use these emergency resources to bridge the gap.

I've been through the SDI process twice and want to echo what others have said - definitely don't file for both UI and SDI. It's a recipe for delays and headaches. Since your doctor has already certified you can't work, stick with SDI. One thing I haven't seen mentioned yet is that you should also make sure you understand exactly what your doctor put as your disability start date on the medical certification. This matters for when your benefits will actually begin - SDI has a 7-day waiting period before benefits start, and if there are any discrepancies between when you stopped working and when your doctor says your disability began, it can cause processing delays. Also, if you're really strapped for cash while waiting, check if your county has any programs specifically for people waiting on disability benefits. Some areas have "gap funding" programs designed exactly for situations like yours where you're between employment and waiting for benefits to kick in. Keep us posted on how it goes - rooting for you to get through this rough patch!

I'm so glad to see this thread because I was literally having the same panic yesterday! I've been on unemployment for about 4 months and you'd think I'd have learned by now, but holidays still catch me off guard. What really helped me was someone on this subreddit who mentioned that you can actually look up the Federal Reserve holiday calendar online to know exactly which days will cause delays. I bookmarked it and now I check it whenever my payment date is coming up. It's saved me so much stress! For anyone new to this - the pattern is super consistent: if UI Online shows "paid" and it's a federal holiday, expect your Money Network deposit the next business day, usually by late afternoon. The banking system delay is completely separate from EDD's processing, which is why your account status updates but the money doesn't transfer immediately.

As someone who just went through my first holiday payment delay last week, I wanted to share what I learned for other newcomers who might be panicking like I was! The biggest thing that helped calm my nerves was understanding that there are actually TWO separate processes happening: 1) EDD processing your certification (which shows as "paid" in UI Online), and 2) the banking system transferring the money (which gets delayed by federal holidays). Once I realized these were separate, it made so much more sense why my account could show "paid" but my Money Network card was still empty. I also started using a simple trick - whenever my payment date falls on or near a federal holiday, I just automatically add one business day to my expected deposit date. Takes all the guesswork and stress out of it! Really wish EDD would explain this distinction better on their website, but this community has been a lifesaver for figuring out how everything actually works.

I'm in a similar situation and this thread has been incredibly helpful! Just wanted to add that if you're looking for immediate work while job hunting, consider checking out temp agencies - they often have warehouse, packing, or general labor positions that can start within a few days. Even if it's just a week or two of work, as someone mentioned above, it can help stretch your remaining UI benefits since they reduce your weekly payment instead of your total balance. Also, don't forget to document EVERY job you apply for with dates and company names. EDD can audit your work search activities even after your benefits end, and you want to be prepared. I keep a simple spreadsheet with application dates, company names, and positions applied for. One more thing - if you haven't already, update your resume and LinkedIn profile to reflect your recent warehouse experience. The logistics industry is still growing in many areas of California, and having current experience might help you stand out. Wishing you the best of luck!

Hey Emily, I just went through this exact situation a few months ago and want to share what worked for me. First, definitely apply for CalFresh ASAP - even if you think you won't qualify, you might be surprised. I got $194/month which was a huge help with groceries. Second, check if your county has an Emergency Rental Assistance program. I'm in Riverside County and they helped me with 2 months of rent when I was between unemployment ending and finding work. Each county runs their own program so search "[your county] emergency rental assistance." Third, consider looking into California's Work Opportunity and Responsibility to Kids (CalWORKs) program if you have any dependents, or General Assistance if you don't. The amounts are small but every bit helps. Last thing - I ended up finding work through a staffing agency that specialized in warehouse/logistics. They had positions that started immediately and some even offered temp-to-perm opportunities. Try Randstad, Kelly Services, or Adecco if they operate in your area. You're going to get through this! The period between benefits ending and finding stable work is terrifying, but there are safety nets available if you know where to look. Feel free to DM me if you want specific info about any of these programs.

I just went through this exact same experience last month! My first direct deposit took 6 business days from when it showed "paid" in the portal. I was checking my account obsessively every few hours and even called my bank thinking something was wrong. Turns out it's completely normal for the first payment while they verify everything on their end. Now my payments come through like clockwork in 2-3 days. The waiting is stressful but your money is definitely coming! One tip - I found that payments usually hit my account early in the morning (around 3-4 AM) rather than during business hours, so check first thing when you wake up.

I'm currently going through this for the first time too! My payment was marked "paid" on Thursday and it's now Monday with no deposit showing in my account yet. Reading through everyone's experiences has been incredibly reassuring - I had no idea the first direct deposit could take this long while they verify everything. I was getting really anxious because like many others here, I was expecting it based on that misleading "24-48 hours" timeframe on their website. It's clear from all these stories that EDD really needs to update their messaging to be more realistic about first-time direct deposit delays. I'm going to try calling my bank's automated line to check for pending ACH transfers, and definitely setting up those mobile alerts for future payments. Thanks to everyone who shared their timelines - knowing this 5-7 business day wait is completely normal makes it so much less stressful!

I had this exact same situation happen to me about 4 months ago! Made a typo in my account number (mixed up two digits) and didn't realize until after my payment status showed "paid" but nothing appeared in my account. Since you confirmed with your bank that the incorrect account number doesn't exist, you're actually in the best possible scenario - no chance of it going to someone else. The payment will automatically bounce back to EDD within 2-3 business days, then they'll reprocess it to your correct account info. In my case, the whole process took 6 business days from when it first showed "paid" to when I actually received the money. Day 1-2: payment shows "paid" but nothing in account. Day 3: payment bounces back to EDD. Day 4-6: EDD reprocesses to correct account and money appears. I know the waiting is stressful when you have bills due, but the automated system actually works pretty well for this type of error. No need to call EDD unless it goes past 7-8 business days. Definitely recommend setting up mobile banking alerts so you know the second it hits your account. You should see your money by early next week!

I just went through this exact same situation about 2 months ago! I accidentally put a 7 instead of a 1 in my account number and didn't catch it until after my payment showed "paid" but nothing appeared in my account. Since you confirmed with your bank that the wrong account number doesn't exist, you're in the ideal situation - the payment will definitely bounce back automatically within 2-3 business days and EDD will reprocess it to your correct account. No risk of it going to someone else's account. My timeline was almost identical to what others have shared: 6 business days total from when it first showed "paid" to when I actually got the money. The payment bounced back on day 3, then EDD automatically reprocessed it and I received it on day 6. The key is just being patient and not calling EDD too early - their automated system actually handles these bank errors really well when the account doesn't exist. I made the mistake of calling on day 2 and wasted hours on hold for nothing. Since it's been 2 days for you already, you should see movement in the next day or two when it bounces back, then expect your money by early next week. Definitely keep us updated on how it goes - this community has been so helpful for navigating these EDD issues!