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Luca Marino

Can anyone apply for unemployment? Breaking down California EDD eligibility

Lost my job at a bakery last month when the owner just shut everything down with zero notice. I've been telling people I know who are also out of work to file for unemployment but a few of them are pushing back saying they don't think they qualify. One friend worked part time, another was technically a contractor for most of the year, and my cousin thinks she makes too much to get benefits. I honestly don't know what to tell them because I'm not sure myself what the actual rules are. My own claim got processed fine but I never really thought about whether anyone specific gets excluded. So who actually qualifies? Can anyone apply for unemployment in California or are there real restrictions that would knock some people out?

Termination notice came for me in August and I had the same questions when I first filed. Used Claimyr (claimyr.com) to get through to an EDD agent after the hold times on 1-800-300-5616 were eating my whole morning. Asked the agent whether my situation counted since I'd been split between two employers in the last year and they confirmed both sets of wages would show up in my base period. The video on reaching a live person at EDD is at https://youtu.be/JmuwXR7HA10 if the phone lines are giving anyone trouble. What the agent told me about general eligibility: EDD looks at whether you earned enough in a specific twelve-month window before your claim starts, not at your job title or hours per week. They pulled up my record right there and confirmed my wages were in the system.

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The two-employer situation is exactly what I was worried about for my part-time friend. She had a main job and some shifts at a coffee shop. Good to know both would count.

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Split employers is actually really common and EDD handles it fine as long as the wages were reported properly by both employers.

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Interesting, I had no idea it was that straightforward to verify what wages EDD already has on file.

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Okay so the core thing people get wrong is assuming unemployment is only for full-time workers who get laid off from fancy jobs. The way EDD actually looks at it is they care about how much you earned in a certain period before you filed, not whether you were full-time or part-time. Your base period is basically the first four of the last five complete calendar quarters before your claim starts. If you hit at least $1,300 in your best quarter, or $900 in your best quarter plus total wages that are 1.25 times that amount, you've got a valid claim. Part-time workers who meet those thresholds are completely eligible. The job title doesn't matter, the industry doesn't matter.

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So for my part-time friend it really just comes down to whether she earned enough in those quarters? She probably did, she worked pretty consistently.

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my sister worked like 20 hours a week for two years and got benefits no problem, it really is just about the wages not the hours

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Worth adding that there's also an alternate base period using the most recent four quarters, but EDD only uses it automatically if the standard base period doesn't give you a valid claim. It doesn't bump up your weekly amount if you already qualify on the standard one.

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The contractor question your friend has is the tricky one. If someone was classified as an independent contractor, EDD might not have wages on record for them because the employer wasn't paying into UI on their behalf. It really depends on whether they were truly self-employed or whether the employer was misclassifying them. California has pretty strict rules about who can actually be called a contractor. If the employer controlled how the work was done and the person wasn't running an independent business, there's a real argument they were actually an employee. That said, the person would need to file and let EDD make the call rather than just assuming they don't qualify.

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Okay that's helpful context. My friend who was contracting was doing delivery work so I wonder if that falls into the misclassification territory.

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delivery work in California has had a lot of legal back and forth on exactly this. Honestly the safest move is just apply and let EDD sort it out rather than self-selecting out

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filing even when you're unsure is the right call. worst case they deny it and you can appeal if you think the denial was wrong

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Weekly benefit amount runs from $40 to $450 depending on what you earned. EDD's site has an Unemployment Benefit Calculator that lets you punch in your wages and get an estimate. The actual number comes on the Notice of Unemployment Insurance Award, which is a form called the DE 429Z, mailed to you after you apply. Your cousin who thinks she makes too much might actually be surprised since the weekly cap is $450, so her earnings don't increase the payment beyond that point, but high earners still qualify if they meet the base period wage minimums. Making a lot of money doesn't disqualify you, it just determines where in the $40 to $450 range your weekly payment lands.

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I had no idea there was a calculator on EDD's site. I'll send my cousin that link so she can check her own wages before she decides not to file.

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the $450 cap surprises people who had high salaries. they expect a bigger benefit and when it's capped they feel like it's not worth it but $450 a week is still $450 a week

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I looked at that calculator when I first applied and the estimate was pretty close to what ended up on my DE 429Z. Not exact but close enough to plan around.

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Something people don't always realize: you can file even if you quit, though quitting does make things more complicated. EDD schedules a phone interview to look into the circumstances. If you can show you had a good reason for quitting you can still get benefits. Same goes for being fired: getting fired doesn't automatically disqualify you. The employer has to show there was actual misconduct. EDD decides after hearing both sides. So 'I got fired' or 'I quit' is not a reason on its own to skip filing. Apply first and let the process play out.

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wait so fired people can get benefits too?? I thought getting fired meant automatic denial I've been wrong about this for years

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Misconduct is what matters for a firing, not the fact of being fired itself. If you were laid off for performance reasons or the company downsized your role, that's very different from actual misconduct. EDD looks at the specifics.

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the phone interview is how EDD gets both sides of the story. If someone was fired they should be ready to explain their version of what happened. The interview notice, the DE 4800, tells you the date and time and what topics are likely to come up.

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i had a friend who got fired and assumed he couldnt file so he waited two months before someone told him he could. he ended up applying late and lost those weeks entirely. apply right away and let EDD decide

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My layoff paperwork arrived the same week this thread came up, which is weirdly comforting. One thing I want to flag for anyone reading: the claim starts on the Sunday of the week you apply, not the week you got laid off. So if you've been sitting at home for two weeks before filing you've already lost those weeks because they can't be claimed retroactively. Apply as soon as you're out of work. Even if you're not sure you qualify, applying costs you nothing except the time to fill it out at myEDD (https://myedd.edd.ca.gov/).

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This is what I keep telling people. Apply immediately. Even if you end up not qualifying you haven't lost anything by trying.

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lost a week myself by waiting because i thought id find another job fast. never again, file day one now

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The Sunday-of-the-week-you-apply rule catches so many people off guard. It is in the instructions when you file but people skim past it.

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DE 4800 came in the mail after I filed and it had my phone interview date and time on it. I was confused at first because I thought 'phone interview' meant they were going to offer me a job somehow lol. It's actually just EDD calling at that scheduled time to ask about why you stopped working, specifically to figure out eligibility. If you quit or got fired they want to hear your account. If you were just laid off because the company downsized it's usually a lot simpler. The notice also shows up on the UI Online homepage so you don't miss the time.

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okay I definitely thought the phone interview was something scary like an interrogation. good to know it's just them asking about the job separation

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it can feel stressful but just be honest and straightforward. they're collecting information, not trying to trip you up

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missing the interview is a real problem though. if you miss it EDD decides from whatever information they already have which may not be in your favor. if you do miss it phone EDD that same day

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Pension situation on my end made me wonder if I even qualified. Retired from a county job last year but then picked up a part time position that ended. EDD didn't disqualify me for having the pension but it can reduce the weekly benefit depending on how EDD calculates it. I still got benefits, just at a reduced weekly amount. So having retirement income doesn't mean you can't apply, it just might affect what you receive.

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EDD does factor in certain pension payments but Social Security is not one of them, Social Security doesn't get deducted and you don't even have to report it. For other pensions EDD decides how much it affects the payment.

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yeah mine was a county pension so EDD accounted for it. the agent I eventually reached explained which weeks it applied to but didn't give me a formula, just said EDD decides the amount

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wait social security doesn't count against unemployment benefits?? I've been telling my mom not to apply because she gets SS but I might have been wrong

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Someone just told me I was wrong about Social Security and unemployment above, so now I'm second-guessing other things I thought I knew. Is there a list anywhere of things that DO reduce your benefits? Like would severance from an employer knock you out of eligibility for a while?

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Severance is on EDD's list of income to report when you certify but it doesn't disqualify you from filing. EDD's own guidance says severance paid under a company plan or policy isn't counted as wages for UI purposes, so someone with severance can file right away. But you still report it when the certification asks because EDD decides how to treat it in your specific case.

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vacation pay, holiday pay, and in-lieu-of-notice pay are also on the list to report. EDD makes the call on how each type of pay affects a given week. The rule isn't something you can calculate yourself, just report it accurately and EDD handles it.

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okay that makes more sense. so the answer is report everything and let EDD sort out what actually reduces your payment. I'll pass that along to my mom too

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CalJOBS registration is one that sneaks up on people after they're approved. After you file, most claimants get a notice called the DE 8405 that tells them they need to register on CalJOBS and post a resume within 21 days. If you don't do it your payments can get stopped. It's not hard, caljobs.ca.gov is the site, but people miss it because they're focused on the certification side and don't realize there's a separate step.

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I nearly missed this myself because nobody told me about it at the beginning. found out from someone in a different forum after my first certification

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adding this to the list of things I'll tell my friends when they file. apply right away, don't miss the phone interview, do the CalJOBS registration within the 21 days.

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EDD's confirmation of whether you need to register is on that DE 8405. Some people apparently get an exemption but EDD tells you if you do, so if you got the notice just go register to be safe

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Certifying is the other thing people don't understand before they file. Getting approved doesn't mean money just shows up. Every two weeks you have to certify in UI Online to actually get paid, confirming you were available for work and looking for work during those weeks. If you skip a certification period you lose those weeks because you can't go back and certify retroactively. First certification usually covers the waiting week and one paid week.

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wait there's a waiting week where you don't get paid?? that's the first I'm hearing of this

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every California unemployment claim has a one-week unpaid waiting period at the start. it doesn't come off your total benefit amount, it just means the first week you certify doesn't get paid. the total amount you can receive stays the same, it just starts one week later

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I wish someone had told me this upfront. I kept checking my payment for that first week and kept coming up empty until I finally asked someone what was going on.

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Nonprofit employees sometimes think they don't qualify because they assume their employer doesn't pay into unemployment. Working for a nonprofit doesn't disqualify you from unemployment. Former nonprofit workers file and get paid the same as anyone else. The employer side is the employer's business, not the employee's concern when filing.

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my old nonprofit job is what I was filing on and I had the exact same worry. filed anyway and got approved without any special issues related to the employer type

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right, the question for the claimant is always their own wage history and the reason they stopped working. what kind of entity the employer is doesn't change the claimant's eligibility process

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DE 429Z arrived about two weeks after I filed and that's when I saw my actual weekly benefit amount. Up until that point I'd just been using the online calculator estimate. If anything on the DE 429Z looks wrong you have 30 days from the mailing date to appeal in writing. I didn't have to appeal mine but I know someone who had a wage discrepancy and had to send in pay stubs to get it corrected.

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30 days goes fast so checking that form the day it arrives is a good habit. once it's past 30 days disputing the amount gets a lot harder

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the appeal process for the DE 429Z goes through the same mailing address on the notice. there's also an Appeal Form, the DE 1000M, though a letter works too as long as it's in writing within that window

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I always assumed the DE 429Z was like a final approval letter. it's not though right, it just shows what the claim COULD pay, not that EDD has fully decided you're eligible

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exactly right, it shows the potential weekly amount and total, not a decision on eligibility. the actual eligibility decision for things like whether you quit with good reason or were fired for misconduct comes later, usually after the phone interview

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Moving to another state mid-claim is something a few people I know ran into. If you worked only in California your claim stays a California claim even if you move. You file with EDD regardless of where you're living now. The only time it gets complicated is if you worked in California AND another state in the last 18 months, in which case you'd file a combined wage claim and that one has to be done by phone, fax or mail rather than online.

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moved to Nevada after my layoff and was completely confused about whether I should file here or there. worked only in California so it was EDD all the way, just filed online same as anyone

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my cousin moved to Oregon but all her work was in California. sending her this thread because she was about to try to file somewhere else

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Sixth week of pending status on mine and I'm starting to lose it. Everything in Claim History just says Pending with no explanation. I've tried calling 1-800-300-5616 but can't get through, it just rings and disconnects after a while. At this point I don't even know if EDD has everything they need or if there's something missing I don't know about.

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Pending weeks usually mean EDD still has an eligibility question open or hasn't finished verifying identity. The only way to know which one is to actually reach an agent. Claimyr got me through to EDD when the phones were impossible for my own claim issue, ended up talking to an agent in one morning instead of spending days redialing.

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that's honestly what I need at this point, an actual human to tell me what's missing. I'll look into it

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also check that your identity verification through ID.me is fully complete. sometimes people think it's done but there's a pending step in the ID.me side that holds everything up. if you applied by phone EDD may have mailed a DE 1326C asking for identity documents and the clock is ticking on that

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My job ended when the company I was at had mass layoffs. What I didn't expect was how long it would take for my wages to actually show up in EDD's system when I applied almost immediately after. EDD said my employer had reported wages but there was a timing issue with how recently the last payroll had been filed. Worth knowing that your most recent quarter's wages might not be in the standard base period depending on when your claim starts.

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the standard base period goes back to the first four of the last five completed quarters, so your most recent partial quarter is excluded by design. if your wages from that period are what made the difference between qualifying and not, EDD automatically checks the alternate base period which uses the most recent four complete quarters instead

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that's what ended up happening in my case. the alternate base period got me over the threshold I was missing. EDD applied it without me having to ask

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important to know the alternate base period doesn't increase your weekly amount if you already qualify on the standard one. it only comes into play when the standard doesn't get you to a valid claim

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Payment method question that tripped me up: EDD defaults to a Money Network prepaid debit card. If you want direct deposit instead you change it in myEDD before your first payment processes, otherwise you end up waiting for the card to arrive in the mail. I didn't know this and lost about a week waiting for a card I could have avoided by just setting up direct deposit upfront.

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made the same mistake. the card eventually arrived but the wait after already waiting weeks for the first payment to clear was rough

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you can still switch to direct deposit after the fact but any payment that already processed to the card stays on the card. the change only applies going forward

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Quick update on my mom: she did apply and got through the process fine. Social Security didn't affect her eligibility and her base period wages were enough to qualify. Her weekly amount came in at the lower end of the range but it's real money every two weeks while she looks for something new. For anyone who was hesitating because they thought SS disqualified them, the answer is it doesn't.

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genuinely happy to read this, my grandma is in a similar situation and I've been afraid to tell her to file. now I might actually push her to do it

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always better to apply and find out than to assume you don't qualify and miss out entirely. the worst EDD can say is no, and even then you can appeal if you think they got it wrong

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Appeals process scared me off for a long time because I thought losing a denial meant I was just out of luck. The appeal window is 30 days from the mailing date on the Notice of Determination. After you submit the appeal in writing using the DE 1000M or just a letter, it goes to an administrative law judge. The hearing is scheduled and you get a Notice of Hearing at least 10 days before. Keep certifying during that whole time because if you win, EDD can only pay weeks you actually certified for.

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wait you have to keep certifying even when you're in an appeal? I had no idea, I thought you stopped once denied

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if you stop certifying during an appeal and win, those uncertified weeks are gone. certify every two weeks no matter what

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this is maybe the most important thing in this thread. so many people stop certifying after a denial and then win on appeal and find out they can't recover those weeks. it has to be done in real time

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DE 1080CZ in my mailbox last week was not a fun surprise. Got denied after my phone interview because of how EDD characterized my reason for quitting. My situation was genuinely hostile work environment but EDD's initial decision didn't see it that way. I appealed within the 30 day window and I'm still certifying every two weeks like the person above said. Using claimyr.com to get through to an agent helped me understand which specific finding was in the denial before I wrote my appeal, so I could actually address the right thing instead of just writing a vague response.

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knowing the specific finding before writing an appeal is a huge advantage. a lot of people write appeals that are too general because they don't understand what EDD actually ruled on

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the agent walked me through what was on record from the interview and what the determination said, without telling me whether I'd win. that was enough to frame the appeal around the actual issue

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Last few months working part time while still on the claim. The earnings formula isn't something everyone knows about: EDD doesn't just cut off your payment the moment you earn anything. The first $25 or 25 percent of whatever you earn in a week, whichever is higher, doesn't count against you. Everything above that gets subtracted from your weekly benefit amount. So if your weekly benefit is $380 and you earn $150 at a part-time job, you're not losing the full $150 from your benefit. Working part time while on a California EDD claim is completely allowed as long as you're honest about reporting it.

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the reporting part is where people get nervous. you report wages in the week they were EARNED not the week the paycheck arrives. so if you worked monday through friday of a given week you report those wages for that week even if payday isn't until the following friday

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yes this tripped me up early on. I reported the week I got paid and ended up with a mix-up I had to contact EDD to fix. Use Report Wages in UI Online if you need to sort out a week before you certify, and if you already certified wrong the only fix is contacting EDD directly

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reporting wages by when they were earned vs when you got paid is not obvious at all. this is exactly the kind of thing that creates overpayments that people don't even realize they're causing

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Couple of months into my claim and my UI Online just shows all weeks as paid now after a rough start. For anyone who has an adjudication flag holding things up: mine got resolved after the phone interview and certifying. The pending status went away after EDD made their determination. It's not fast but it does move.

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genuinely relieved to read this, still in the pending situation myself but at least there's an end to it somewhere

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keep certifying every two weeks no matter what. any week you don't certify is a week you can't get back even once the adjudication resolves

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adjudication just means EDD hasn't finished deciding a question about eligibility yet. once they decide one way or the other, the determination comes in writing and if you disagree you have 30 days to appeal. the pending status in Claim History is the visible sign of that open question

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