California Unemployment

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EDD overpayment collections when switching to SDI disability - will they take all my benefits?

I've got a major problem and need advice fast. I was on unemployment for about 5 months last year and just found out I was overpaid by almost $4,200 (still don't understand how that happened). Now I need to file for disability because I just had surgery and can't work for at least 8 weeks. I'm panicking because I heard EDD will garnish disability payments to collect unemployment debt. Does anyone know if they'll take my entire SDI check or just a portion? And what's the maximum disability payment I might qualify for? My regular wages were about $1,100/week before taxes. I'm seriously stressing because I have zero savings and rent is due in 3 weeks.

As someone who's also navigating EDD overpayments for the first time, this entire thread has been incredibly reassuring and informative! I love seeing how this community comes together to share real experiences and practical advice. @facf45268409 thank you so much for coming back to update us on your resolution - hearing that you got the garnishment reduced to 15% and are managing with $586 weekly gives me hope for my own situation. I'm currently dealing with a $2,800 overpayment from last year and was terrified they'd take everything when I potentially need to apply for disability benefits next month. Reading everyone's experiences here, especially the clarification that 25% is the federal maximum and that hardship reductions are possible, has really helped calm my anxiety. The tip about using Claimyr to actually get through to a real person seems like it could be a game-changer. I've been dreading the endless phone calls and busy signals. Thanks to everyone who shared their stories - this is exactly the kind of real-world guidance you can't get from the official EDD website!

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Welcome to the community @f57fee23f39f! Your situation sounds really similar to what many of us have been through. It's so reassuring to see how supportive everyone is here when dealing with these stressful EDD issues. A $2,800 overpayment is definitely significant, but based on what I've learned from reading through all these experiences, it sounds like you're approaching it with the right mindset - understanding your rights and options before they start any collections. The fact that you're preparing ahead of potentially needing disability benefits shows you're being really proactive. I'm still pretty new to navigating all this myself, but this thread has taught me so much about what to expect and how to advocate for yourself with EDD. Definitely seems like having a plan and being able to actually talk to someone makes all the difference!

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As someone completely new to this community and EDD issues in general, I just want to say how incredibly helpful this entire thread has been! I've been reading through everyone's experiences and it's amazing how much practical knowledge gets shared here. I'm potentially facing my own EDD situation soon and was honestly pretty terrified about the whole process, but seeing real stories like @facf45268409's resolution and all the detailed advice from people like @7379ec0f3842 and @2aa0c9fdc0e4 makes it feel so much more manageable. The breakdown of actual numbers, the clarification about federal garnishment limits, and especially the tip about services like Claimyr to actually get through to someone - this is exactly the kind of real-world guidance you just can't get from official government websites. It's also really encouraging to see how supportive everyone is with newcomers like @f57fee23f39f, @ed5474bb5503, and others who are just starting to navigate these waters. Thanks for creating such a welcoming and informative community for people dealing with these stressful situations!

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Welcome @1b900bd09597! I'm also pretty new to this community and completely agree - this thread has been like a masterclass in understanding EDD overpayments and disability benefits. When I first started reading about these issues, I felt so lost trying to understand all the acronyms and processes, but seeing everyone's real experiences laid out step by step makes it so much clearer. The fact that @facf45268409 came back months later to share their successful resolution really shows the quality of this community. I'm bookmarking this entire thread as a reference because there's so much practical information here that you just can't find anywhere else. It's really reassuring to know there's a place where people actually help each other navigate these complicated government systems instead of just complaining about them!

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@78a1faa28d52 @1b900bd09597 Welcome to both of you! I'm also relatively new here but have found this community to be an absolute lifesaver when dealing with EDD issues. This thread really is like a comprehensive guide - from the initial panic about potentially losing all benefits to the successful resolution with reduced garnishment rates. What I love most is how people share specific numbers and real outcomes, not just vague advice. The fact that we can see @facf45268409 went from being terrified about losing everything to managing with $586/week after a 15% garnishment shows that there really are solutions, even when things seem hopeless. I'm definitely saving this thread too - the combination of legal information, practical tips like the Claimyr service, and real success stories makes it invaluable for anyone dealing with EDD overpayments and disability benefits.

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EDD 'Qualification' status with 'Auto Payment' reason but money not showing up in my account

I'm feeling super confused right now. I checked my UI Online account this morning and under Claim Activity it shows 'Qualification' status and 'Auto Payment' under reason. I was expecting the money to hit my account today (it usually deposits around 9-10am), but it's now almost 6pm and nothing's there. This is my 3rd certification period and the first two payments came through without any issues. Does 'Qualification' mean something bad? I thought it was a good thing but now I'm worried. Has anyone else had this status but still got paid? How long should I wait before panicking? I really need this payment to cover my rent due in 3 days.

UPDATE: The payment just hit my account this morning! Looks like it was just delayed by a day. Thanks everyone for your help and reassurance!

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Great to hear! Glad it worked out for you. The EDD system can be nerve-wracking when you're depending on that money.

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Lucky you! Mine usually takes 3-4 days even with 'Auto Payment'. The EDD system is SO inconsistent.

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So glad to see your update that the payment came through! This is exactly why I always tell people not to panic too quickly with EDD delays. The system is slow and clunky, but when it shows 'Qualification' and 'Auto Payment' like yours did, the money is almost always on its way. The fact that you had part-time earnings probably did add to the processing time since they have to calculate the partial payment amount. Your story will definitely help other people who find themselves in the same scary situation!

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EDD application timing with severance payment - layoff vs final paycheck date?

Just got laid off from my job at a tech startup last week. My official layoff date was October 4th, but they're paying us through October 11th (essentially an extra week's pay). On top of that, HR mentioned we'll be getting severance packages within 30 days of the layoff date. I'm confused about when I should apply for EDD benefits. Do I use October 4th as my last day of work since that was when I was officially laid off? Or should I use October 11th since that's the date my final paycheck covers through? Also, does anyone know how severance affects unemployment benefits in California? Can I still apply while waiting for severance to arrive, or do I need to wait until after I receive it? First time dealing with this and don't want to mess up my claim. Thanks in advance for any help!

EDD doesn't specify an exact number of job applications required per week. The general guideline is to make a reasonable effort to find work, which typically means applying to 2-3 jobs per week at minimum. However, the quality of your job search matters as much as the quantity. Focus on positions you're qualified for rather than just hitting a certain number. Document everything thoroughly - job title, company, date, method of application, follow-up actions, etc. One last tip: When you first file your claim, EDD will schedule a phone interview if there are any questions about your eligibility (including the severance question). Be prepared to explain your situation clearly, including your last day worked versus final pay date.

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Thanks so much for all this information! I feel much better prepared now. I'll file my claim today using 10/4 as my last day worked and start my job search immediately. Really appreciate everyone's help!

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Just wanted to add one more thing that might help - when you file your claim, make sure you have all your employment information ready including your employer's contact details, your gross wages from the last 18 months, and the reason for separation (layoff). Also, since you mentioned this is your first time dealing with unemployment, be aware that there's usually a 1-2 week processing time before you hear back from EDD about your claim status. Don't panic if you don't hear anything immediately - that's normal. Good luck with your claim and job search! The tech industry can be tough right now but there are still opportunities out there.

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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

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Wow, 15 minutes after 8am is amazing! I've been trying to get through for weeks without claimyr. The payment issue seems super common - I'm dealing with the same thing right now. It's so frustrating that this happens every single extension. Did the end up being able to help you out, or did you get like so many others? I'm debating whether to try claimyr myself at this point.

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Claimyr works! Just tried it. Started at 8am, got a call back at 8:35. Was on hold 10 min. Talked to the first guy for 5 min, he transferred me to Tier 2. Was on hold there for 3.5 hours, then call dropped. Used the free call back option. Got a call back within 5 minutes, then was on hold maybe 10 minutes and got through. This time the person that picked up was Tier 2. My issue was that had been '' since May but automatic extension didn't go through until last week so there was no to apply to them. The woman said she had to physically transfer those 11 from my old claim that to my new extended claim, and that it would take 3-4 days.  For anyone out there with unpaid on an PEUC extension, use CLAIMYR, talk to an at and get your sorted out!

Thanks for sharing your experience with Claimyr! It's really encouraging to hear a success story. I've been struggling to get through to for now about my payments. Your detailed breakdown of the process is super helpful - especially knowing that even when the call dropped after 3.5 hours, the callback feature worked quickly. Did you have to pay anything for the service, or were you able to use just the free callback option? I'm in a similar situation with PEUC extension issues and this gives me hope that there's actually a way to get this resolved!

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@Andre Moreau I m'in a similar boat with PEUC payments! From what I ve'read about Claimyr, they offer both free and paid options. The free callback service seems to be what most people use successfully. I ve'been hesitant to try it myself, but seeing Jasper s'detailed experience and your question about costs makes me think it might be worth a shot. Have you tried any other methods to reach EDD, or are you planning to give Claimyr a try? It s'so frustrating dealing with these extension issues - glad to see there might actually be a solution that works!

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This is exactly what I needed to hear! I've been stuck with for months and was starting to lose hope. Your step-by-step experience really helps set expectations - knowing that even if the call drops after hours of waiting, the callback feature can get you connected again quickly is huge. I'm definitely going to try Claimyr this week. Did the Tier 2 rep mention anything about whether this physical transfer process is something they're doing for a lot of people with similar PEUC extension issues? Just wondering if this is a common problem they're seeing. Thanks for taking the time to share such detailed info - posts like this are what make this community so valuable!

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