Can I apply for EDD benefits BEFORE my layoff date? (Layoff happening next week)
Just found out my company is doing a round of layoffs on the 20th (next week) and my department is definitely affected. I'm pretty sure I'll be one of the people let go based on seniority. Question - can I actually start the EDD application process now, before I'm officially laid off? Or do I have to wait until after my last day? Also wondering if EDD is still backed up with claims like they were during COVID? I heard horror stories about people waiting months to get their first payment. Really need to know what to expect since rent is due on the 1st and I only have enough savings to cover one more month. Any advice appreciated!
17 comments
Amina Bah
You technically can't file your claim until after your last day of work. EDD considers your claim effective the Sunday of the week you file, and you need to be unemployed at that point. If you file before actually being laid off, your claim could get denied or delayed with issues. As for processing times, it's WAY better than during COVID. Most clean claims (no identity issues, no employer disputes) get processed within 10-14 days now. First payment usually comes 2-3 weeks after filing if everything goes smoothly. Make sure you have your employment history for the last 18 months ready and all your personal info correct to avoid delays.
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Paolo Marino
•Thanks for the clarity! I'll wait until after the 20th to file then. Do you know if I should apply the very next day or is there any advantage to waiting until the end of that week? Also, can I list my company's HR dept as a contact for EDD to verify the layoff or do they need my direct supervisor?
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Oliver Becker
DONT LISTEN TO THIS!!!!! you absolutely CAN file before ur last day!!!! I did this last year when my company announced layoffs 2 weeks ahead. I filed right away and just put my FUTURE last day of work. EDD processed everything and my first payment was waiting for me the week after I was laid off. The system is designed to HELP people not punish them!!
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Natasha Petrova
•This is incorrect information. While you can technically start an application before your last day, you cannot complete and submit it until after your final day of work. If you input a future date as your last day worked, it will cause issues with your claim. The EDD system requires you to certify that you are currently unemployed when filing, not that you will be unemployed in the future. Submitting inaccurate information could result in delays, potential overpayments, or even penalties. I recommend waiting until after your last day, then file immediately. This creates a clean claim with less chance of complications.
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Javier Hernandez
sory about ur job loss :( my sister got laid off in january and she said file the EXACT DAY after ur last day dont wait even one extra day bc it affects when they start counting ur benefits. she got her first payment in like 10 days it was pretty fast
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Paolo Marino
•Thanks for the sympathy and the tip! Good to hear your sister got her payment quickly. I'll definitely file immediately after my last day.
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Emma Davis
When I got laid off last summer, I tried filing immediately but kept getting stuck in the phone verification loop. Spent 3 days trying to reach someone at EDD. Finally I used a service called Claimyr (claimyr.com) that got me connected to an EDD rep in about 20 minutes. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km Not sure if you'll need it, but keep it in your back pocket if you can't get through. The phone lines are better than during COVID but still can be a nightmare some days.
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LunarLegend
•is that service legit? sounds sketchy giving them your info just to talk to EDD
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Malik Jackson
I was in your exact situation in February! My advice: 1. If you're getting any severance, make sure you understand how that affects your claim. My company gave us 2 weeks severance which delayed when I could start collecting benefits. 2. Get your employment history organized now - last 18 months of employers, addresses, phone numbers, dates. 3. Set up your UI Online account as soon as you file so you can manage everything electronically. 4. File your claim the day after your last day of work - it affects the benefit week calculations. 5. When certification starts, be extremely careful answering the questions - any mistakes can trigger a review that delays payment. Yes, EDD is much faster now than during COVID, but I still had to wait about 3 weeks for my first payment. Plan accordingly with your budget. Good luck!
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Paolo Marino
•This is super helpful, thank you! I am getting 1 week of severance pay, so I'll need to report that. Quick question - for the employment history, do they need the exact addresses of previous employers or just the company names and rough dates? I had a couple of contract jobs in the last 18 months that I don't remember the exact start/end dates for.
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LunarLegend
wait ur company gives u notice?? mine just walked us all out same day with security lol. but ya file right away after ur last day worked. and make sure u do the ID.me verification right away too that's what hangs up a lot of ppl
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Paolo Marino
•Yeah, they're giving us a week's notice. Not much time but better than nothing I guess. I've heard the ID.me thing can be a pain so I'll make sure to have my documents ready for that. Thanks for the tip!
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Amina Bah
Since several people have mentioned this - just to clarify the rules about WHEN to file: 1. You cannot submit a completed claim before your last day of work 2. You should file as soon as possible after your last day 3. Your claim begins on the Sunday of the week you file 4. Any delay in filing can mean lost benefits Regarding severance: This can affect your eligibility, as EDD considers severance to be wages. You need to report it when you file. Depending on the amount, it might delay when you can start receiving benefits. Regarding processing times: Current average for clean claims is about 10-14 days to process and another 3-5 days to receive your first payment (either via EDD debit card or direct deposit if you set that up).
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Javier Hernandez
•last time i filed they sent me that debit card thing and it was sooooo confusing to activate! they should just do direct deposit like normal ppl lol
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Natasha Petrova
One important thing nobody's mentioned yet: If your company is doing mass layoffs, EDD might already be aware of it through a WARN notice. This can sometimes help speed up your claim processing since they're expecting a batch of claims from your employer. Also, while you wait for your first payment, be sure to complete your work search activities and document them carefully. They've gotten stricter about this post-COVID. You typically need to complete at least 3 work search activities per week (job applications, networking, interviews, etc.). And don't forget to sign up for CalJOBS (https://www.caljobs.ca.gov/) as part of your work search requirement. Many people miss this step.
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Paolo Marino
•Thanks for mentioning CalJOBS! I didn't know about that requirement. Are there specific types of job search activities that EDD prefers? I've been focusing mainly on LinkedIn applications - does that count?
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Malik Jackson
Quick note on timing - your benefit week for EDD runs Sunday through Saturday. If you're laid off on the 20th and that's a Monday-Friday (not sure what day of week), file your claim that weekend. Your claim will be effective as of the Sunday beginning that week. Also, after you file, expect to receive several pieces of mail from EDD within about 10 days: 1. Notice of Unemployment Insurance Claim Filed 2. Notice of Unemployment Insurance Award 3. EDD Customer Account Number 4. Continued Claim Form(s) You'll need to certify for benefits every two weeks. Set a calendar reminder so you don't forget - this is where a lot of people experience payment delays.
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