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Just wanted to add one more important thing about California unemployment benefits - if you have any severance pay or vacation payout when you're let go, this can delay when your benefits start. EDD considers this "wages in lieu of notice" and you have to wait until that period would have ended before benefits kick in. So if you get 2 weeks severance, your unemployment won't start until after those 2 weeks are up. This caught me off guard when I filed my claim last year. Something to keep in mind when you're doing your financial planning!
Oh wow, I had no idea about the severance pay delay! That's really important to know. My company does offer severance packages, so if I do get let go I'll need to factor that waiting period into my budget planning. Thanks for the heads up - this is exactly the kind of detail I wouldn't have thought to ask about but could really mess up my finances if I wasn't prepared for it.
As someone who's been through the EDD process twice (once in tech, once in retail management), I wanted to share a few practical tips that might help you prepare: 1. **Apply immediately** when you're terminated - there's a one-week waiting period before benefits start, so don't delay filing even if you think you might find work quickly. 2. **Keep your final paystub and separation notice** - EDD will ask for this information and having it ready speeds up the process. 3. **Set up direct deposit** when you file - getting a debit card in the mail takes longer and the cards sometimes get lost or delayed. 4. **File early in the week** (Monday/Tuesday) if possible - if there are any issues with your claim, you'll have more time to resolve them before the weekend. Your income definitely qualifies you for the maximum $450/week. The waiting period after severance that Keisha mentioned is real - I had to wait 3 weeks after my severance period ended before my first payment. Plan accordingly! The whole process took about 3 weeks total for me the first time (no issues), but 6 weeks the second time due to employer contest. Good luck with everything - hopefully your performance improves and this becomes a non-issue!
This is incredibly helpful, thank you Charlotte! The timing advice about filing early in the week is something I never would have thought of. And good point about direct deposit vs the debit card - I've heard horror stories about those EDD cards getting stolen from mailboxes. Really hoping my performance turns around and I don't need to use this information, but I feel so much more prepared now thanks to everyone's advice. It's scary going from 5k/month to potentially $450/week, but at least I know what to expect and how to navigate the system if it comes to that. One last question - if I do get terminated and file, is there any benefit to having a lawyer review my separation documentation, or is that overkill for a standard performance-based termination?
Hey OP, how long has it been since your doctor mailed the form? Sometimes it can take up to 3-4 weeks to process, especially if they're backlogged.
I went through this exact same situation a few months ago! Here's what worked for me: I had my doctor's office fax the form directly to EDD (the fax number should be on the form itself). Then I also hand-delivered a copy to my local EDD office - yes, it's a pain, but at least you have proof they received it. I also sent a certified mail copy as backup. Triple submission might seem overkill, but my benefits got processed within a week after that. Don't let them give you the runaround - you have rights and they need to process your claim!
@Oscar O'Neil This is such great advice! I'm definitely going to try the triple submission approach. Quick question - when you hand-delivered to the local EDD office, did you need to make an appointment first or could you just walk in? I want to make sure I do this right and don't waste a trip there.
@Oscar O'Neil Wow, the triple submission approach is genius! I never thought about using all three methods at once. Quick question - when you faxed it, did you get some kind of confirmation receipt? I'm always paranoid about fax transmissions failing. And for the certified mail, did you address it to a specific department or just the general EDD address? Thanks for sharing this strategy - it gives me hope that there's actually a way to cut through their bureaucratic mess!
Update: My payment finally showed up in my account this morning! So it took about 3-4 business days from when it showed 'paid' in the system. Definitely longer than the card payments used to take. Thanks everyone for the help and reassurance!
Great news! And yes, this is normal for the first direct deposit. Your future payments should arrive more quickly now that your banking information is verified in their system. Typically, direct deposits will be in your account within 1-2 business days after certification once everything is established.
Glad to hear your payment came through! This is such valuable information for others going through the same switch. I've been thinking about switching from the Money Network card to direct deposit myself, but was worried about potential delays. Your experience confirms what others have said - there's an initial delay for the first payment but then it becomes more reliable. Did you notice any other differences between the card and direct deposit, like timing of when payments typically arrive each week?
Hey Anna! Good question about the timing differences. With the Money Network card, my payments would always hit on Wednesdays like clockwork - usually around 6-7 AM. Now with direct deposit, this first payment came through on a Friday morning, but I'm hoping future payments will be more predictable. From what others have shared here, it sounds like direct deposit payments typically arrive within 1-2 business days after certification once the initial setup is complete. I'll definitely update if I notice any patterns with the timing going forward! The peace of mind of having it go straight to my main bank account is worth the initial uncertainty though.
Good luck with your certification! I hope you don't experience any delays. For future reference, I've found that keeping detailed records of sick days (including doctor's notes and pay stubs) really helps if EDD ever needs additional documentation. It's frustrating that the system isn't more straightforward about these common situations, but you made the right choice being honest about it. Please do update us on how it goes - your experience could help other people in similar situations!
I completely agree with keeping detailed records! I learned this the hard way when I had to provide documentation for a sick day last year. Having everything organized (doctor's note, pay stub showing sick pay, even the date I called in) made the whole process smoother when EDD asked for clarification. It's such a relief to see someone else recommend the honest approach - even though the system can be frustrating, being truthful upfront usually saves more headaches in the long run than trying to game the system.
I've been through this exact situation multiple times over the past year. Here's what I've learned from experience: if you mark "Yes" on the sick question, there's about a 50/50 chance your payment will be delayed for review, even with proper documentation. The EDD system flags ANY "Yes" answer for manual review, regardless of whether it's one day or the whole week. My personal approach now is to only mark "Yes" if I was sick for 3+ days during the certification period. For single sick days where I have proper documentation and got paid sick leave, I just report the hours/income and leave the sick question as "No." I've never had an issue with this approach, and my payments always come through on schedule. The key is being consistent with your reporting and keeping all your documentation (doctor's notes, pay stubs) just in case. EDD's system unfortunately isn't nuanced enough to handle these common workplace scenarios smoothly, so sometimes you have to work within its limitations to avoid unnecessary delays.
This is really helpful practical advice! I'm new to dealing with EDD and honestly had no idea that ANY "Yes" answer could trigger a manual review. Your 3+ day rule makes a lot of sense - it seems like a reasonable threshold for when illness actually impacts your ability to work for a significant portion of the week. I'm definitely going to save your comment for future reference. It's frustrating that we have to navigate around the system's limitations rather than just following the literal instructions, but I appreciate you sharing what actually works in practice. Have you ever had EDD question your approach during any audits or reviews?
Olivia Harris
Guys, don't forget to check if you qualify for any of the extended benefit programs. With all the COVID stuff, there might be additional help available.
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Zoe Papadakis
Hey Emily! Just wanted to add that when you do file your new claim, make sure you don't have any gaps in your certification weeks from your old claim. If you missed any weeks, you might need to address that first before filing the new one. Also, keep in mind that there's usually a one-week waiting period for new claims, so plan accordingly. The whole process can take a few weeks to get your first payment, so don't panic if it's not immediate. Good luck with everything!
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