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Is anyone else dealing with this Money Network card nightmare? I've certified for 4 consecutive weeks now, and my card is STILL nowhere to be found. When I called Money Network support, they basically shrugged and told me that EDD controls when my card gets sent out - not them! So I tried calling EDD right at opening time (8:01 AM this morning) and immediately got the 'we're at capacity' message. The rep tried to schedule a callback but then said there were no slots available. I'm literally watching my bills pile up while my benefits are supposedly sitting on a card I can't access. How is this system so broken? Has anyone successfully gotten through to EDD about card issues or found another way to get this resolved?
To all those having trouble reaching a human at California Unemployment. I just ran across this video that gave me a shortcut to reach a human. Hope it helps! https://youtu.be/Ize0EkN4HDI
I'm dealing with a similar situation - pending payments for weeks now. One thing that helped me was calling right at 8:00 AM when they open, and I kept hitting the prompts quickly: 1-2-1 then your SSN, then 1. Sometimes it takes dozens of tries but I finally got through. Also, make sure you don't have any flags on your account that might be causing the hold - things like identity verification issues or work search requirements. When you do get through, ask them specifically what's causing the pending status. Don't let them just transfer you without an explanation. Good luck Santos!
@Ethan Davis Great questions! To check for flags on your account, log into your online portal and look for any alerts or notices on your main dashboard. Common flags include: ID.me verification pending you (ll'see a link to verify identity ,)outstanding work search requirements, or eligibility review notices. You can also check your inbox for any correspondence that might explain holds. If you see anything asking you to upload documents or complete additional steps, that s'likely what s'causing the pending status. When you call, have your claim details ready and ask specifically What "is preventing my payments from processing? Don" t'accept vague answers - ask them to check for any outstanding requirements or flags on your account.
@Ethan Davis Great questions! By flags "I" mean issues that automatically put your account on hold. You can check these by logging into your portal and looking for any notices or action items. Common ones include: ID verification requests they (might ask for documents ,)work search log issues if (you re'not properly documenting your job searches ,)or income reporting problems. Also check if there are any questionnaires you haven t'completed - sometimes sends these and if you miss them, payments get stuck. If you see any red alerts or pending items in your portal, those need to be resolved first before calling. Hope this helps you get prepared! @Connor O Brien'can probably add more details about what specific things to look for.
Just lost my job yesterday due to 'role elimination' (fancy corporate talk for layoff). I'm planning to apply for EDD benefits ASAP, but there's a complication - I have a lawyer negotiating my severance package, so I don't know the final amount yet. I know you're supposed to report severance pay when filing for unemployment, but how do I handle this when the amount is unknown? Should I just go ahead and file my claim without mentioning the potential severance? Will I need to report it later once the negotiations finish? Really confused about the timing here and don't want to mess up my claim by doing things in the wrong order. Any advice from people who've navigated this situation?
I went through this exact situation last year! Filed my EDD claim immediately after being laid off even though my severance was still being negotiated through my attorney. The key things that helped me: 1. On the initial application, I selected "yes" for expecting severance but put "amount pending legal negotiation" in the comments 2. I continued certifying bi-weekly as normal while negotiations were ongoing 3. When my severance was finalized 6 weeks later, I called EDD right away to report it The severance ended up covering 10 weeks from my termination date, so I had to repay some benefits for those weeks, but it didn't affect my overall claim eligibility. EDD was actually pretty understanding about the situation once I explained it properly. Just make sure you're proactive about reporting it once you know the final amount - don't wait for them to find out on their own through tax records or something. Good luck with your negotiations and your claim!
I'm in this exact same situation right now - just got laid off yesterday and my attorney is handling severance negotiations too! After reading through everyone's experiences here, I'm feeling much more confident about how to proceed. The overwhelming consensus seems to be: FILE IMMEDIATELY and don't wait for negotiations to finish. I was initially worried about not having all the details, but it's clear from multiple people's stories that EDD is actually set up to handle this common scenario. My plan based on all the advice here: 1. File my claim today and clearly indicate severance is pending legal negotiations 2. Keep detailed documentation of everything (screenshots, certification notes, etc.) 3. Continue bi-weekly certifications normally until I actually receive severance 4. Call EDD immediately when the amount is finalized to report it properly What really stands out to me is how many people mentioned that EDD reps said "this happens all the time" and were understanding about the situation. It's reassuring to know the system can handle uncertainty around severance timing. One quick question for those who've been through this - when you eventually called EDD to report your final severance amount, roughly how long did you have to wait on hold? I'm trying to mentally prepare for that phone call when the time comes. Thanks everyone for sharing such detailed experiences - this thread has been infinitely more helpful than anything on EDD's website!
Hey Miguel! I went through this exact situation about a year ago and your plan sounds perfect. Regarding the wait times when calling EDD - honestly, it varied wildly for me. Sometimes I got through in 30 minutes, other times it was 2+ hours. My advice is to call first thing in the morning (right when they open) and be prepared to wait. I actually used that Claimyr service someone mentioned earlier in this thread for one of my calls and it was SO much faster - got connected in like 15 minutes versus the hours I'd been waiting on my own. Worth considering if you hit long wait times when your severance gets finalized. The actual conversation with the rep was super quick once I got through - maybe 10 minutes to report everything. You're definitely doing the right thing by filing today!
Got something unexpected in the mail last week - a settlement check from Raytech Industries where I worked back in 2020. Totally forgot I'd opted into this class action thing about unpaid overtime. The check is for $2,875 and came with both a W2 and a 1099 form for tax year 2023. Now I'm confused about my unemployment certification this week - do I need to report this as income? It's not exactly wages from working, but it's still money with tax forms. Been trying to call EDD since Monday but keep getting the "we're experiencing high call volume" message and then disconnected. Anyone deal with something similar or know the right answer? My certification is due tomorrow and I don't want to mess up my claim over this!
Is anyone else TIRED of how complicated EDD makes everything?!?! Why can't they just have CLEAR guidelines about what counts as income? I swear they deliberately make it confusing so they can catch people making honest mistakes and then hit them with overpayments and penalties. I've been on UI twice in the past 3 years and both times had issues with their stupid system. It's like they're looking for reasons to deny benefits we EARNED.
Just to follow up on this thread with accurate information: 1. Settlement payments for wages (W2 portion) must be reported to EDD in the week received 2. Non-wage settlements (1099 portion) typically don't need to be reported 3. It's normal for your payment to go to pending when you report this kind of income 4. Keep all documentation for at least 3 years (settlement letter, payment stub, tax forms) 5. If your payment gets stuck in pending, you'll need to speak with a representative The most important thing is honest reporting - the temporary delay from reporting correctly is much better than dealing with an overpayment or potential disqualification later.
Hope you get through to someone today! I had a similar situation with a settlement from my old warehouse job. It took about 10 days for them to release my payment after I reported it, but the rep I eventually spoke to said I did the right thing by reporting the W2 portion. She mentioned that they see these cases pretty regularly and it's just a matter of them verifying that it's legitimate past wages and not current work income. Keep us posted on how it goes!
Hey Luca! I went through something similar with a settlement from my old job at Amazon. When my payment went to pending, I used that Claimyr service that Yuki mentioned earlier. It really works - got through to a rep in about 20 minutes instead of calling for days. The rep was super helpful and explained that reporting the W2 portion was exactly the right thing to do. She cleared up my pending status in like 5 minutes once she reviewed my case. Just make sure you have all your settlement documents ready when you call!
Hey everyone, I'm currently on unemployment after being laid off from my warehouse job last month. Something's been bothering me that I can't find a clear answer to anywhere on the EDD website. Does collecting unemployment benefits now somehow reduce what I'll get when I retire? I'm 58 and was planning to work until at least 65, but this layoff has me worried about both immediate income AND my future retirement. My neighbor mentioned something about Social Security benefits being reduced if you take unemployment for too long. Is this actually true or just another unemployment myth? Thanks for any info!
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!
I'm 59 and went through this exact same panic when I got laid off from my shipping job about 8 months ago! I was absolutely terrified that collecting unemployment would somehow reduce my Social Security benefits when I retire. After doing tons of research and even speaking with a financial advisor, I can give you complete peace of mind - unemployment benefits will NOT affect your Social Security retirement benefits in any way whatsoever. These are completely separate government programs with totally different funding sources. Social Security is calculated based on your highest 35 years of earnings where you paid SS taxes throughout your career, while unemployment insurance is funded by employer taxes paid to the state. What really convinced me was creating a my Social Security account online at ssa.gov and actually seeing that my projected retirement benefits stayed exactly the same even after being on EDD for 6 months. With your 40 years of work history, a temporary period of unemployment will be completely invisible in your Social Security calculation. The only real retirement impact is missing out on 401k contributions and employer match while you're between jobs, but that's manageable and temporary. Don't let this worry consume your mental energy like it did mine - focus on your job search instead. Your retirement security is completely intact!
Thank you so much for sharing your experience, Skylar! It's incredibly reassuring to hear from someone who's 59 and went through this exact same panic just 8 months ago. I really appreciate you mentioning that you spoke with a financial advisor about this - that adds even more credibility to what everyone's been saying. The fact that you actually created the Social Security account online and could see with your own eyes that your projected benefits stayed the same after 6 months on EDD is exactly the kind of proof I needed to hear. You're absolutely right that I should stop letting this consume my mental energy and put it all into job searching instead. It's amazing how many people in this thread have had this exact same fear - it really helps to know I'm not alone and that I was worrying about nothing. I'm definitely going to create that ssa.gov account this week to see for myself, then focus completely on finding my next opportunity. Thanks for taking the time to share your story - this community has been such a lifesaver during this stressful time!
Amara Nnamani
UPDATE: Just wanted to let everyone know that I FINALLY got through to EDD using the 833 number at 8:01am sharp this morning! The rep confirmed my card was stuck in some kind of processing queue and hadn't actually been mailed yet despite my payments showing as paid. They've expedited a new card that should arrive in 3-5 business days. Will update again when it arrives. Thanks everyone for your help and suggestions - this forum has been more helpful than any official channels!
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Fatima Al-Suwaidi
congrats!! hope u get it soon!
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Giovanni Mancini
That's great news! The expedited cards usually do arrive within that timeframe. Remember to set up direct deposit as soon as you get it to avoid future card issues.
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Zara Mirza
So glad to hear you finally got through! This gives me hope that the 833 number might be the key. Your situation sounds exactly like what happened to me - payments showing as "paid" but the card was never actually sent out. It's ridiculous that the system shows everything as processed when clearly there's a breakdown somewhere in their workflow. For anyone else dealing with this, it sounds like the key takeaways are: 1) Try the 833-978-2511 number at exactly 8:01 AM, 2) Use the Ask EDD feature with specific categories as mentioned above, and 3) Don't give up - the money IS there, it's just stuck in their broken system. Definitely post an update when your expedited card arrives! And yes, direct deposit setup will be my first priority once I get mine sorted out too.
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