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I still think this whole system is ridiculous. How can they expect people to pay back thousands of dollars when they're UNEMPLOYED? That money is already spent on SURVIVING. And then they threaten collections and tax refund interception if you can't pay it all back immediately. My advice? Keep any documentation about what exactly your settlement was for. If part of it was for emotional distress or punitive damages, that shouldn't count as "wages" that offset unemployment. Fight it if they try to claim your entire settlement was for lost wages!
This is actually good advice. I've seen several cases where people successfully reduced their overpayment amounts by providing documentation showing that portions of their settlements were for non-wage compensation. EDD typically only cares about the part that replaces wages you would have earned during the same period you collected benefits.
one more thing... make sure u stop certifying for any weeks that ur settlement covers if its backpay for specific dates. like if settlement covers april-june dont certify for those weeks if u havent already
Another important thing to remember is to keep certifying for benefits every two weeks, even if one payment is pending. Missing a certification can create more problems with your claim. And make sure all your work search activities are properly documented for each week you certify.
UPDATE: It worked!!! I used Claimyr this morning and got connected to an EDD rep after only waiting about 10 minutes! The agent confirmed what some of you suggested - reporting those part-time hours triggered an eligibility review but there was a system error that didn't notify me or schedule the interview. She cleared the flag on my account and I'm now able to certify online again! She also processed my pending certifications from the paper forms I'd sent in. Thank you all for your help and suggestions!
Just wanted to follow up and see if you certified and if there's been any update on your claim status? It's been about a week since your original post.
Yes! I certified as everyone suggested, and actually got some movement on my claim yesterday. My UI Online account now shows a claim balance and weekly benefit amount. Still haven't received any payments, but at least I know my claim was approved! Thanks everyone for the advice - certifying while waiting was definitely the right move.
The technical distinction here is important: 1. Withdrawing cash from your brokerage account that's just returning your original investment = NOT reportable income 2. Capital gains realized when selling stocks/investments = Reportable income 3. Dividends or interest paid to your account = Reportable income The EDD isn't concerned with you accessing your own money, only new income earned during your certification period. Report any gains on your sales, but not the entire withdrawal amount.
Dont forget that when you file taxes next year, the EDD can cross reference with IRS and see if you had income you didnt report while on unemployment. Better safe than sorry!
btw make sure ur answering all the certification questions right... if u make a mistake they delay payment
Just wanted to follow up - it's now Friday. Has your payment status changed? If it's still pending and you need immediate assistance, calling EDD directly is your best option. The technical support line (833-978-2511) often has shorter wait times than the regular line and they can transfer you to a claim specialist if needed. If your payment doesn't process by Monday, it might indicate there's an underlying issue with your claim that needs addressing.
I just want to add something important - make sure you answer the questionnaire completely and by the deadline. If you miss the deadline, your claim could be automatically denied and then you'd have to appeal. Also, be consistent with the information you provided in your initial application. If you said you were laid off due to company downsizing on your application, stick with that explanation in the questionnaire.
My friend just went through this whole process and she got an eligibility interview scheduled even though her employer wasn't contesting. She was freaking out for no reason because when the interview time came, the EDD person just asked like 2 questions and approved her. They just have to follow their procedures even when it's obviously a legit claim.
Just to be CRYSTAL CLEAR: if you keep certifying while disqualified and your appeal FAILS, you WILL have to pay back EVERY PENNY they paid you after the disqualification date! EDD loves to set these traps - they let you certify knowing full well they'll hit you with an overpayment notice later. Then they add penalties and interest. The system is DESIGNED to screw claimants! Been there, done that, got the garnished wages to prove it. 🤬
While it's true that unsuccessful appeals can result in overpayment notices, continuing to certify is still the recommended approach. If you don't certify during the appeal period and later win your appeal, you won't be able to retroactively certify for those weeks. The key is ensuring your appeal is well-prepared with proper documentation to address the specific reason for disqualification.
UPDATE: I managed to get through to EDD this morning! The rep explained that I was disqualified because on my certification for the week ending 5/24, I checked YES to the question "Was there any reason you could not accept full-time work each workday?" because of that doctor appointment. She said I should have marked NO since a single appointment doesn't make me unavailable for the whole week. I filed my appeal online and included a letter explaining the misunderstanding. The rep said to keep certifying while the appeal is pending. Thank you all for your help! Now just waiting for the appeal process...
That's great news! For your appeal, make sure to clearly explain that you misunderstood the question and that a single doctor's appointment didn't affect your overall availability for work that week. If possible, include documentation showing you were actively looking for work during that period. Your chances of winning this type of appeal are actually quite good since it was clearly a misunderstanding about how to answer the certification questions.
Omg I'm so sorry about your brother. Please don't be hard on yourself about the timing - grief is a journey that doesn't follow deadlines. I lost my mom in 2021 and literally couldn't look at anything financial for almost a year. EDD mistakes were RAMPANT during 2020. Half my coworkers had issues with their 1099Gs. One thing that worked for me was sending a written request (certified mail) to both EDD and BOA demanding my records under the California Consumer Privacy Act. Companies have to respond to these requests. I specifically asked for "all payment records and transaction histories associated with my EDD claim and BOA debit card for tax year 2020." Both sent me complete records within 30 days.
Thank you so much for your kind words about my brother. It means a lot. Some days are still really hard. The California Consumer Privacy Act request is a brilliant idea! I didn't even think of that angle. I'm going to try the other suggestions first since they might be faster, but if those don't work out, I'll definitely try the CCPA approach. It's good to have multiple options. Thanks for understanding about the timeline too - it helps to know I'm not alone in struggling with administrative tasks during grief.
Bank of America is the absolute WORST for handling the EDD cards!!! when my claim ended they just shut down my account with NO WARNING and I couldn't see any of my old transactions. I had to call them like 7 times and finally got someone who told me I could request paper statements by mail but it would cost $5 per month I wanted. such a ripoff but I needed them for my taxes
Just an important clarification - Bank of America shouldn't be charging $5 per statement for EDD debit card accounts. Under their agreement with the State of California, they're required to provide at least one free statement copy per request for closed accounts. If they tried to charge you, you should dispute that and reference the California EDD Debit Card Account Agreement which specifies the free statement policy. Many customer service reps aren't properly trained on the EDD-specific policies.
Ravi Choudhury
also another thing nobody mentioned yet is that u still have to do the work search requirements even with a part time job unless ur part time job is gonna turn into full time soon. so keep doing whatever work search activities ur doing now
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Emma Davis
•Oh I didn't even think about that, thanks for the reminder! I'll definitely keep applying for full-time positions.
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Omar Farouk
I've been working part-time (15-18 hours) for the past 3 months while on UI. The partial benefit calculation works exactly as others described. Just make sure you're very precise about reporting. I take screenshots of my hours worked each day and save them in a folder on my phone so I can refer to them when certifying. One thing that might help - when you certify, you'll get a summary screen showing what you reported. Take a screenshot of that too in case there are ever any questions about what you reported vs. what EDD recorded in their system.
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