have u checked ur money network account online? sometimes the card balance on the website updates before the automated phone system. also there was a holiday on monday so that might add an extra day for processing. my payments are usually in my account exactly 2 days after i certify but holidays mess everything up

Just following up - did your payment come through over the weekend? If not, Monday morning would be the time to contact EDD. One additional tip: when you do reach an agent, ask them to verify that your Money Network card information is correctly linked in their system. Sometimes there can be a mismatch that causes delays.

Hey Sofia, I went through something similar last year with a $3,200 overpayment. One thing that really helped me was having all my bank statements from the past 3 months ready when I called - they wanted to see my actual spending patterns, not just estimates. Also, don't be afraid to negotiate the monthly amount if their first offer seems too high. I started at $180/month but got it down to $125 after explaining my situation. The whole process took about 30 minutes once I got through to the right person. You've got this!

Just wanted to add that when I had my EDD overpayment situation, they also offered the option to pay online through their website once the payment plan was set up. You don't have to mail checks every month - you can set up automatic payments from your bank account which made it way easier to manage. Also, make sure you keep records of every payment you make because their system sometimes doesn't update right away and you want proof you're staying current on your plan. The last thing you want is them thinking you missed a payment when you didn't!

told ya! tuesday morning like clockwork! glad u got paid

Congrats on getting your first payment! Just wanted to add for anyone else reading - if you're ever in a situation where your direct deposit seems delayed, you can also check if there are any holds on your claim by looking at the "Claim Summary" page in UI Online. Sometimes there are eligibility reviews or other issues that can delay payments even after certification is submitted. The system will usually show a message if there's a hold, but it's not always super obvious. Also, some banks (especially smaller credit unions) can take an extra day to process EDD deposits compared to major banks, so factor that in too!

Thanks everyone for all the advice! I've decided to take the layoff with severance since it seems like I should qualify for benefits - the pay cut is definitely substantial enough. I'll make sure to get everything in writing, be completely honest on my application, and properly report the severance payment. I'm feeling a lot better about the decision now. I'll update after I apply to let you know how it goes in case anyone else runs into this situation in the future.

Smart decision Miguel! You're absolutely making the right call - a $5/hour pay cut plus a demotion is definitely unreasonable, and the fact that they're offering severance shows they recognize this is essentially a layoff situation. Just wanted to add one more tip: when you file your claim, consider using the exact language that this was a "substantial reduction in wages and job duties" - those specific terms can help strengthen your case. Also keep copies of all communications about the restructuring and your two options. The job market is definitely competitive right now, so like others mentioned, start networking and applying early. Your experience with this company should still be valuable even with the restructuring. Wishing you the best with both the EDD process and job search!