Can I collect EDD benefits while on unpaid medical leave? HR says maybe?
So confused right now - my doctor is recommending I take a 6-week unpaid medical leave for a procedure and recovery, and my HR department gave me some paperwork that mentioned possibly qualifying for EDD benefits during this time. I've never filed for unemployment before and always thought it was only for when you get laid off. Can I actually file for unemployment while on temporary medical leave? Would it be regular UI or something else? My company has approved the leave but they don't offer any paid leave benefits. I'm worried about making rent during this time off. Any advice would be super appreciated!
14 comments
Yuki Sato
You're looking at the wrong benefit program. What you need to file for is SDI (State Disability Insurance), not regular unemployment. SDI is specifically for when you can't work due to a medical condition or injury. You'll need to have your doctor complete the medical portion of the SDI application. The benefit amount is roughly 60-70% of your normal wages, up to a maximum weekly benefit amount. You can apply online through the EDD website. Make sure you have your medical documentation ready when you apply.
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Ethan Wilson
•Oh thank you! So SDI and UI are different programs even though they're both through EDD? That makes way more sense. I'll look into the SDI application right away. Do you know if the waiting period is the same as unemployment? My procedure is scheduled for next month and I'm trying to figure out timing for everything.
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Carmen Flores
i was on SDI last yr for surgery. u need to fill out the form & ur doctor needs 2 do their part too. takes a few weeks to get approved sometimes so apply ASAP
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Ethan Wilson
•Thanks for sharing your experience! I'll definitely apply as soon as possible. Did you apply online or fill out paper forms?
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Andre Dubois
Just to add some important info here - SDI typically has a 7-day waiting period before benefits begin. So the first week of your medical leave won't be covered. Also, make sure your doctor provides a clear timeline for your recovery. If they estimate less than the 6 weeks, EDD will only approve benefits for the time your doctor specifies. You'll receive your benefits on a Money Network debit card unless you set up direct deposit. The approval process took about 10 days for me when I filed last year, but I've heard it can sometimes take longer if they need additional information.
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CyberSamurai
•The 7-day waiting period is ALWAYS the case, unless you were hospitalized for at least 24 hours at the start of your claim. Then they waive it. Just FYI for anyone reading this.
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Zoe Alexopoulos
Honestly the whole EDD system is so confusing. My sister applied for SDI last month and they kept asking for more paperwork over and over. Said her doctor didn't fill out the form right the first time. Two weeks later they're still processing her claim and shes freaking out about bills. Total nightmare!!
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Ethan Wilson
•That's exactly what I'm worried about! I can't afford to wait weeks with no income. Maybe I should try to push back my procedure date...
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Jamal Carter
If your having trouble reaching EDD to ask questions, try Claimyr.com. It helped me get through to an actual person when I needed to fix an issue with my SDI claim. They have a video showing how it works at https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km. I was skeptical but it worked and saved me hours of frustration trying to get through the phone system.
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Ethan Wilson
•Thanks for the tip! I'll definitely check that out if I run into issues. Getting through to a real person sounds like it could save a lot of stress.
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Mei Liu
Just to be super clear since there's confusion: UI (unemployment insurance) is for when you lose your job through no fault of your own and are actively looking for work. SDI (state disability insurance) is for when you can't work due to a medical condition and need temporary benefits. Paid Family Leave (PFL) is for caregiving or bonding with a new child. All are administered by EDD but have different eligibility requirements and application processes! For your situation, you want SDI. Make sure your doctor completes their portion accurately - that's the #1 reason for delays. And apply at least 9 days but not more than 49 days after your first day off work due to disability.
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Liam O'Donnell
•i thought if ur company has paid sick time u have to use that first before sdi kicks in is that true??
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Mei Liu
@profile9 No, that's a common misconception. You're thinking of employer-specific short-term disability policies, which can sometimes require you to use up sick time first. State Disability Insurance (SDI) through California EDD does NOT require you to exhaust sick leave first. You can actually receive both, but your employer might have policies about using them concurrently. Check with your HR department about their specific policies.
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Ethan Wilson
•This whole thread has been super helpful, thank you everyone! I've started gathering the documentation I need for SDI and will be talking to my doctor at my appointment tomorrow to make sure they understand what parts they need to complete. I'll apply right after my appointment so there's plenty of time before my procedure next month.
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