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Emma Morales

Can I file for EDD unemployment after exhausting SDI benefits? Released to work but funds depleted

So I've been on State Disability Insurance (SDI) since July 2024 when I got really sick. My doctor initially had me off work until October, then extended it through January 2025. I worked consistently from January to April in both 2023 and 2024 before getting sick. Now I've been medically cleared to return to work, actively job hunting, but I'm pretty sure my SDI benefits are completely exhausted (still waiting on that final extension payment though). My financial situation is getting desperate - I've been putting everything on credit cards for months with no income. Does anyone know if I can apply for regular unemployment now that I'm able to work again but haven't found a job yet? Or does using up all my SDI funds disqualify me from UI benefits? I'm trying to figure out what options I have while I continue my job search because bills are piling up fast. Thanks for any insight!

You can absolutely apply for UI after SDI! They're completely separate benefit systems. I went through this last year - exhausted my disability and then qualified for unemployment. The key is that you need to be ABLE to work now (sounds like you are since doc cleared you) and you need to have earned enough in your base period. Since you worked Jan-April in both 2023 and 2024, you should have wages in your base period. Apply ASAP!

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Emma Morales

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That's such a relief to hear! Thank you! Do you know if there's a waiting period between when SDI ends and when I can apply for UI? And will they look at my income from both 2023 and 2024?

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Lucas Parker

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it doesnt work like that... SDI and unemployment r totally different programs. UI is when u lose job not ur fault, SDI is 4 when ur sick. u cant get both at same time but one doesnt affect other eligibility. apply online UI its easy

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Emma Morales

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Thanks! I know they're different programs - I was just concerned because I'd used up one benefit type that it might somehow impact eligibility for the other. I'll get my application started today.

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Donna Cline

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Let me clarify how EDD calculates your UI eligibility: They'll use your 'base period,' which is typically the first 4 of the last 5 completed calendar quarters before you file. So if you apply now in early 2025, they'll likely look at Oct 2023-Sep 2024, which includes your Jan-Apr 2024 work period. You need approximately $1,300 in your highest quarter earnings to qualify. The important thing is that SDI exhaustion doesn't disqualify you from UI. Being on SDI simply pauses your claim filing period. Now that you're medically able to work and actively seeking employment, you meet the basic UI requirements. File your claim immediately after your doctor releases you - don't wait!

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This is right!! i had same situation and got UI after my SDI ran out last yr. Just make sure when they ask if you can work you say YES otherwise theyll deny u!!!!

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For my experience SDI and EDD unemployment is completely separate systems!!! I was on SDI for 5 months in 2023 and then got unemployment for almost 3 months after that when i couldn't find work right away. BUT here's what will happen - they're going to call you for a phone interview to verify why you havent been working. MAKE SURE YOU ANSWER WHEN THEY CALL. I missed mine and it delayed everything by weeks!!!

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Emma Morales

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Oh that's really good to know about the phone interview! I'll keep my phone close and make sure I don't miss that call. How long after applying did they schedule your interview?

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It was about 10 days after i applied. BUT i was calling them everyday because my online account showed "pending" and i wanted to know why. Trying to get through to EDD on the phone is TORTURE though. I spent hours redailing before i got through.

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Dylan Fisher

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I want to add some important technical details: 1. You cannot receive UI benefits for any period covered by SDI payments. So if you're still waiting on that final SDI extension payment, you'd apply for UI after that period ends. 2. For UI eligibility, you must be: - Able to work (medical release satisfies this) - Available for work (no restrictions preventing employment) - Actively seeking employment - Have sufficient wages in your base period 3. Your base period wages must meet two thresholds: - At least $1,300 in your highest quarter - Total base period earnings of at least 1.25 times your highest quarter Based on your work history (Jan-Apr in both 2023 and 2024), you likely meet these requirements. Apply as soon as your SDI claim officially ends.

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Emma Morales

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Thank you so much for these specifics! This clarifies exactly what I need to do. I'll wait until that final SDI payment period is complete, then immediately file for UI. And yes, I definitely meet all those eligibility requirements - I'm able to work, available, actively job hunting, and have sufficient earnings in my base period from my work earlier this year.

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Lucas Parker

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wat about the certification part? make sure u do ur certifications every 2 weeks or they stop ur payments!! happened to my cousin

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Edwards Hugo

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this is so tru!!! they dont tell u this clearly enough when u apply! I missed ONE certification deadline last year and had to call and beg them to reopen my claim. took 3 weeks to fix!!!

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Emma Morales

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Thanks for mentioning this - I'll definitely set calendar reminders for the certification deadlines once I get approved. I can't afford any payment delays right now.

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Donna Cline

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One other important thing to understand: If your UI claim gets approved, you'll receive a Notice of Unemployment Insurance Award letter showing your weekly benefit amount (WBA) and maximum benefit amount. The WBA is calculated based on your highest quarter earnings in the base period. For example, if you earned $10,000 in your highest quarter, your weekly benefit would be around $385. Maximum benefit amount is typically 26 times your weekly benefit. But here's the critical part: when you certify every two weeks, you MUST report any income earned during that period. If you get part-time work during your job search, you can still receive partial UI benefits as long as you earn less than your weekly benefit amount. This is called partial unemployment.

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Emma Morales

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This is extremely helpful information! I've been applying for both full-time and part-time positions, so it's good to know I could potentially get partial benefits if I find part-time work first. I'll make sure to accurately report any income I earn during certification periods.

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MAKE SURE UR RESUME IS READY TO GO!!!! they might ask for proof of job search activities when u certify!! i had to list 3 jobs i applied to each week

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Emma Morales

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My resume is updated and ready! I've actually been applying to jobs already even though I'm not on UI yet. I'm keeping a spreadsheet of all my applications with dates, company names, positions, and contact info so I'll have that documentation ready for certifications.

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Just wanted to follow up and see if you've applied yet? The sooner you do, the better, since there's always that one-week waiting period before benefits start. Even if you're still waiting on that final SDI payment, you can at least get the UI application process started.

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Emma Morales

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I actually just submitted my application yesterday! Based on everyone's advice here, I decided not to wait any longer. The online system was pretty straightforward, though I did get confused about some of the questions about my last employer since I've been on SDI for several months. Hoping I filled everything out correctly and that I'll hear back soon about next steps!

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Luca Conti

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That's great that you submitted your application! Don't worry too much about the last employer questions - EDD understands that people transition from SDI to UI and they'll sort it out during processing. Just keep an eye on your UI Online account for any requests for additional information or documents. And remember what everyone mentioned about answering that phone interview call when it comes - that's usually the biggest hurdle. You're doing everything right by applying quickly and keeping detailed job search records. Fingers crossed you get approved soon and can get some financial relief while you continue your job hunt!

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Sofia Ramirez

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Thanks for the encouragement! I'm definitely nervous about the whole process but feeling more confident after all the helpful advice in this thread. I'll keep checking my UI Online account daily and make sure my phone is always on in case they call for that interview. It's such a relief to know that so many people have successfully made this transition from SDI to UI - gives me hope that I'll get through this financial rough patch soon. Really appreciate everyone sharing their experiences here!

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Dylan Cooper

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Just wanted to add my experience to help - I was in a very similar situation last year! I was on SDI for about 6 months after a back injury, then when I was cleared to work I applied for UI and got approved. The transition was seamless once I understood the process. One thing I wish someone had told me: when you do your phone interview, be prepared to explain your work search efforts in detail. They asked me about specific jobs I'd applied to, what methods I was using to find work, and whether I had any work restrictions. Since you're already actively job hunting and keeping records, you'll be in great shape for that conversation. Also, don't panic if your first few certification periods show "pending" status - mine took about 3 weeks to start flowing normally, but once it did I got all the back payments. The system just needs time to verify everything. You're on the right track by applying quickly!

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This is really reassuring to hear from someone who went through the exact same transition! I'm definitely prepared for that phone interview - I've been keeping detailed records of my job search activities, including company names, positions applied for, dates, and application methods. It's good to know that the "pending" status is normal and that back payments eventually come through. I was worried about those delays but knowing it's part of the process helps manage expectations. Thanks for sharing your experience - it really helps to know that others have successfully navigated this same path from SDI to UI!

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Just wanted to share some additional tips based on my experience transitioning from SDI to UI last year! When you get that phone interview (and you definitely will), make sure you have all your documentation ready - your medical release form, job search records, and your last pay stubs from before you went on SDI. Also, here's something most people don't know: if you worked in multiple states during your base period, you might be able to file an interstate claim that could get you higher benefits. Since you mentioned working consistently in early 2024, double-check if any of that work was in other states. One more thing - once you start receiving UI benefits, consider setting aside a small amount for taxes since UI payments are taxable income. I learned that the hard way at tax time! But overall, you're doing everything right by applying quickly and keeping good records. The financial stress will ease up once those payments start coming in.

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Zoe Walker

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This is all really great advice! I hadn't thought about the tax implications of UI benefits - definitely will set aside some money for that. Fortunately all my work was here in California so I don't need to worry about interstate claims, but that's good to know for others. I have my medical release form ready and I'm keeping detailed job search records like everyone suggested. It's so helpful having all these real experiences shared here - makes me feel much more prepared for what's ahead. Thanks for taking the time to share your insights!

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Owen Jenkins

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I went through this exact same situation in 2023! Was on SDI for about 4 months, then transitioned to UI once I was medically cleared. The key thing I learned is that you CANNOT overlap the benefits - so make absolutely sure your SDI payments have completely stopped before your UI kicks in, or they'll create an overpayment issue that's a nightmare to resolve. When I applied, I had to wait about 2 weeks for the phone interview, and they asked very specific questions about why I hadn't been working and when exactly I became able to work again. Have your medical release paperwork handy and be crystal clear about your availability date. Also, pro tip: if your SDI was due to a work-related injury, make sure you clarify that you're now able to do ALL types of work, not just light duty. I made that mistake initially and it delayed my approval by weeks. Sounds like you're in a much better position since you're already actively job searching. Good luck - the financial relief will come soon!

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Jamal Harris

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This is exactly the kind of detailed advice I needed to hear! Thank you for emphasizing the importance of no overlap between SDI and UI - I definitely don't want to create an overpayment situation on top of everything else. I'm waiting for confirmation that my final SDI payment period is completely finished before my UI benefits start, so hopefully I'll avoid that issue. It's great to know that being proactive about job searching puts me in a good position for approval. The medical release paperwork is ready to go, and I'll make sure to be very clear that I'm available for all types of work with no restrictions. Really appreciate you sharing your experience - gives me confidence that I'm handling this transition the right way!

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Hey Emma! I just wanted to check in and see how things are going with your UI application? It sounds like you submitted it a few days ago based on the thread. Have you heard anything back yet or gotten any updates in your UI Online account? I know the waiting can be nerve-wracking, especially when you're dealing with financial stress. I went through a similar transition from SDI to UI about 18 months ago and remember that anxious feeling of waiting for approval. Just remember that no news is often good news at this stage - they're just processing your claim and verifying your eligibility. Keep doing what you're doing with the active job search and documentation. And don't forget what everyone mentioned about keeping your phone close for that interview call! Sending positive thoughts your way that you'll get good news soon and some financial relief while you continue your job hunt.

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Carmen Lopez

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Hi Aria! Thanks for checking in - it really means a lot to have this supportive community during such a stressful time. I submitted my application about 3 days ago and so far just have the basic confirmation that it was received. My UI Online account shows "Claim Under Review" status, which I'm hoping is normal at this stage. I've been obsessively checking it multiple times a day (probably not helping my anxiety!), but trying to stay patient since everyone here mentioned it takes time to process. I'm keeping my phone on me constantly and have been continuing my job search activities so I'll have fresh examples ready for that phone interview when it comes. The financial pressure is definitely intense right now, but reading everyone's success stories in this thread gives me hope that relief is coming soon. I'll definitely update here once I hear something - fingers crossed it's good news! Thanks again for the encouragement, it really helps to know others have been through this same transition successfully.

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Keisha Williams

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Claim Under" Review is totally normal at this stage -'that s exactly what mine showed for the first week or so! I remember checking mine obsessively (too like every few hours)lol . The system is just doing all the background verification of your wages, work history, and SDI claim details. One thing that helped my anxiety during the waiting period was keeping busy with job applications and networking. Not only does it help distract from the stress, but'you re building up that job search activity log for when they ask about it during the phone interview. Also, if you'haven t already, make sure you have your Social Security Statement (handy you can get it online at) ssa.gov since they sometimes ask about your wage history during the interview to verify the information.'You re doing everything right though - just hang in there! The financial relief is comingsoon.

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Thanks Keisha! It's so reassuring to hear that "Claim Under Review" is the normal status at this point. You're right about staying busy with job applications - it definitely helps with the anxiety and I'm building up a solid record of my search activities. I actually just applied to three more positions this morning and updated my spreadsheet with all the details. I hadn't thought about getting my Social Security Statement ready - that's a great tip! I'll log into ssa.gov today and download it so I have those wage records handy for the phone interview. It makes sense they'd want to cross-reference that information with what I provided in my application. I'm trying to stay patient and trust the process, but it's hard when bills are piling up! Reading everyone's experiences here really helps though - knowing that so many people have successfully made this transition from SDI to UI gives me hope. I'll keep checking my account (probably still obsessively lol) and will definitely update the thread when I hear something. Thanks for the encouragement!

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