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Nia Johnson

Can you get unemployment while on short term disability in California EDD?

So I've been out of work since my company eliminated my position back in September, and I already filed my UI claim and got my DE 429Z showing my weekly amount. The thing is, I also threw my back out pretty badly about two weeks after getting laid off, and my doctor put me on a 6-week restriction from any kind of work. My HR rep mentioned I should look into short term disability benefits, so I went ahead and applied through SDI Online. Now I'm completely confused about whether I can keep certifying for unemployment while also being on disability leave. I've been certifying every two weeks like I'm supposed to but I genuinely don't know if I'm allowed to do both at the same time. The last thing I want is to end up with an overpayment notice because I didn't understand how these two programs interact. Can you get unemployment while on short term disability and still keep your UI claim going? Has anyone actually navigated this before?

Filing for both at the same time is something a lot of people try when they get hurt while already collecting UI, and the short answer is no, you can't be paid by both for the same days. EDD runs both programs and they know when you're getting DI payments - the systems talk to each other. While your doctor has you on a full work restriction, you don't meet the unemployment requirement of being able and available for work every week you certify. So what most people do is stop certifying for UI once the disability kicks in and file for DI instead, then when the doctor clears you to work again, you reopen your UI claim for the remaining weeks in your benefit year.

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So the UI claim doesn't just disappear while I'm on disability? The weeks I haven't used yet stay available until my benefit year ends?

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Exactly - your benefit year runs 52 weeks from when you filed. The DI period pauses your situation but the remaining weeks in your UI claim are still there to reopen when you're cleared.

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This is the part that tripped me up too. I thought once you stopped certifying you lost everything. Good to know the balance doesn't just vanish.

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Had almost this exact situation play out for me last spring. Got laid off in February, started collecting UI, then had a surgery in March that left me out for two months. The DE 429Z had already arrived with my weekly amount locked in, but while I was truly unable to work there was no point certifying for UI - I wouldn't have been honest answering those availability questions anyway. Filed DI through SDI Online, got that going, and when my surgeon cleared me in May I went back into myEDD at https://myedd.edd.ca.gov/ and reopened the existing claim. Didn't have to refile from scratch.

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How smooth was reopening it? I'm worried they'll treat it like a brand new application and I'll be waiting weeks again.

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Reopening was faster than the original application for me. The claim info was already in the system. Still took a week or so for the first certification after reopening but nothing like the initial three-week wait.

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Reopening worked the same way for me after a gap, way less painful than starting over. The balance from before was right there.

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Weeks on that DE 429Z showed a weekly amount of $390 when I got laid off from my warehouse job last year. Went out on DI a month later for a knee thing and had the same question about whether UI would just keep running. Used Claimyr (claimyr.com) to get a live EDD agent on the phone because I could not get through on my own - kept hitting the high call volume message. The agent pulled up my claim and walked me through exactly which weeks were still available, confirmed the DI filing had flagged my UI as paused, and told me to watch for the approval notice from DI before stopping my UI certifications cold. There's a video about reaching a live person at EDD by phone at https://youtu.be/JmuwXR7HA10 that showed me what to expect. After that call I let the DI payments run, then reopened UI when I got the all-clear from my doctor in writing.

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The DI filing flagging UI automatically is actually reassuring to know - I was scared I'd have to call and manually put something on hold. Did the agent say anything about the work search stuff while DI is running?

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Yeah, the agent confirmed that while DI is active and the doctor's restriction is in place, the work search requirement for UI doesn't apply because UI is paused. Once I reopened UI I had to be available and looking again.

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Couldn't get through by phone for weeks trying to sort out a DI and UI overlap on my own claim. Tried Claimyr after seeing it mentioned somewhere and ended up talking to an agent the same day who confirmed the exact DI approval date in my record.

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WAIT because I think there's some confusion getting mixed in here. The person asking said short term disability - are we talking about California's SDI program through EDD, or like a private disability policy from their employer?? Those are two completely different animals and the rules aren't the same at all!! If it's a private plan the employer set up, EDD doesn't necessarily know about it automatically and I'm not even sure how they'd handle the overlap. Someone should clarify this before giving all this advice.

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That's a fair point to raise. The facts above about DI and UI not paying for the same days come straight from EDD's own materials and apply to EDD's State Disability Insurance program. For a private employer disability policy, EDD's interaction with it isn't something anyone here can really nail down - that's genuinely a question for EDD directly.

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Mine is EDD's SDI - I filed in SDI Online like EDD's site says to. So the info in this thread applies to me, though that's a good distinction for anyone else reading.

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Ok good, glad you clarified. The SDI Online filing means you're in EDD's system and the interaction between DI and UI is what everyone's been describing. Private employer plans are a different mess.

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Something I got completely wrong when I was going through this: I thought 'short term disability' and 'Paid Family Leave' were basically the same thing. My coworker told me PFL would cover me when I hurt my shoulder and couldn't work, but PFL is actually for taking care of a sick family member or bonding with a new baby - not for your own medical thing. For your own injury or illness it's Disability Insurance through SDI Online. Took me way too long to figure that out and I almost filed for the wrong program entirely.

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The PFL vs DI mix-up is so common. PFL is you taking care of someone else or a new child, DI is you being unable to work yourself. Completely different buckets even though they're both part of SDI.

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I did get this right - filed DI for my back injury - but I can see how someone would mix those up especially when HR just generically says 'apply for disability'.

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HR told me to 'look into disability' when I was dealing with my mom's illness and I ended up applying for DI instead of PFL. Had to restart with the right program. The generic advice is frustrating.

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While on DI there's also the question of what you tell EDD when it asks about your ability to work. When I was certifying for UI before my disability period started, every certification I had to honestly say yes to being able and available. Once the doctor's note said I couldn't work, answering those UI questions honestly would mean answering no - which means you're not eligible for UI that week anyway. So stopping UI certifications when DI starts isn't just a rule thing, it also just reflects your actual situation.

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That makes the logic click for me. It's not just that the rule says no, it's that you genuinely can't answer the availability question honestly while you're on a full work restriction.

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Exactly. And I think EDD cross-references DI approvals with UI certifications for that reason - if you certified for UI during weeks DI paid you, that's an overpayment situation you don't want.

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The overpayment risk is real. Had a friend end up with a Non-fraud overpayment notice because they didn't stop UI certifications when DI kicked in. Had to do the whole waiver process.

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CalFresh is also worth knowing about if the DI weekly amount comes in lower than your UI was. The income requirements are based on your current situation and unemployment benefits count as income when you apply - but so does DI income. The amounts are different programs doing different math. If things get tight while you're waiting for DI to start paying, it's worth applying at BenefitsCal just to see where you land. The county office makes the determination and the application is free.

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I hadn't even thought about CalFresh as an option. My DI amount should cover the basics but I'll keep that in mind if things get stretched.

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The gap between when UI stops and DI first pays can be a few weeks sometimes. Having the option in your back pocket is smart.

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Does the waiting week rule apply to DI the same way it does for UI? Because with UI there's that first unpaid week before anything gets paid, and I want to know if DI has the same thing built in. The person asking might end up with a double gap if both programs make you wait a week before they start.

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DI has its own rules about when you can file - EDD says not earlier than 9 days after the disability begins and no later than 49 days after. The specifics of how DI processes the first payment period is a question for EDD or the SDI Online system, not really something any of us can answer accurately here.

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Fair enough, I'll check SDI Online directly. I just wanted to flag it because I've seen people get surprised by payment gaps.

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The timing of when to reopen UI after DI ends is something to pay close attention to. When my physical therapy ended and my doctor cleared me in writing, I reopened my UI claim through myEDD that same week. I didn't wait around because every week you delay reopening is a week of UI you're not collecting and can't go back and get. The minute the work restriction lifts you should be back in there, available for work and certifying again.

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That's a good practical tip. I'll save the doctor's clearance note with a date on it and log into myEDD the same day I get it.

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Yep, and make sure when you reopen it you're genuinely able to look for work - because those UI questions about availability apply again from day one of reopening.

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I waited almost three weeks after my clearance to reopen because I was nervous about something going wrong. Lost those weeks entirely. Don't do what I did.

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When you go back to certifying UI after DI, do you have to re-register in CalJOBS or is that stuff still active from before? I remember having to do the CalJOBS registration within 21 days of getting the DE 8405 notice when I first filed, and I wasn't sure if reopening a claim starts a new CalJOBS clock or uses the existing registration.

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The CalJOBS requirement is based on that DE 8405 notice. If EDD sends a new one when you reopen, then yes the clock restarts; if they don't, the existing registration likely still stands. Best to log into CalJOBS and confirm your resume is still posted and current when you reopen, just to be safe.

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Makes sense to just check CalJOBS when reopening either way. Resume probably needs updating after the whole disability period anyway.

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I did my CalJOBS registration when I first filed in September and my resume is current there. Good reminder to check it again once I'm cleared.

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Something I wish I'd known earlier: the DI filing timeline is tighter than it feels. EDD says no earlier than 9 days after disability starts and no later than 49 days. I almost missed the filing window because I kept thinking I'd feel better soon and wouldn't need it. File as soon as you're past day 9 even if you think recovery will be quick.

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I filed on day 11 so I should be in the window. That 49-day deadline is tighter than I realized though - good thing I didn't wait to ask this question.

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Day 11 is well positioned. The 49-day outer limit sneaks up on people who assume they have months.

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My layoff situation turned weird because my employer was also offering severance paid out over six weeks and I had no idea how that would interact with UI. Someone told me I had to wait until severance was done before filing, but that's apparently wrong - EDD handles the severance question on their end and you file UI right away. Ended up in a whole mess trying to sort out what I should have reported and when. For anyone reading who has both severance and a disability situation on top of a layoff, just report everything honestly when you certify and let EDD sort it.

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The person above is right that you file UI right away regardless of severance. EDD's own materials say severance paid under a company plan isn't counted as wages for UI purposes, but it still shows up on the list of things to report when you certify. You report it and EDD handles the determination.

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Exactly - I should have just reported it and kept going instead of waiting and second-guessing. Cost me several weeks of UI I could have been collecting.

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The 'wait until severance is done' advice floats around a lot and it's been wrong for people I know too. File immediately, report what you get, let EDD handle the math.

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EDD's PHONE LINE IS A NIGHTMARE I've called 1-800-300-5616 at every hour imaginable and either get the high call volume message or sit on hold forever. For something as complicated as a DI and UI overlap I really feel like you need to actually talk to someone because the written guides online don't always cover your specific situation. There has to be a better way to actually reach a human being.

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Claimyr worked for my situation where the overlap was exactly this kind of question - ended up talking to an EDD agent who could see my actual claim files. The phone hold situation is brutal otherwise.

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Might have to look into that. My specific setup has some complications from switching employers mid-year and I really need actual eyes on my account, not generic answers.

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The live chat from the Help button in UI Online (Monday to Friday, 9 to 2) is another option if you can get a slot. For account-specific stuff talking to someone is definitely the way to go.

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Paid Family Leave coming up in this thread is worth a moment because I've seen people on PFL wonder if they can stack UI on top of it too. PFL is for bonding with a new child or caring for a seriously ill family member - and the same logic applies as with DI. EDD pays one at a time. While PFL is running, UI requires you to be available for work, and if you're on PFL leave you're generally not available. Same outcome, different program.

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The 'one at a time' rule is the key to understanding all of this. DI, PFL, UI - EDD decides which one applies to your current situation and pays that one.

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Makes sense as a framework. My situation is straightforward DI for my own injury, so I just need to manage the transition back to UI cleanly.

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Taxes are another layer nobody mentioned yet. UI benefits get reported as federal taxable income - EDD sends a Form 1099G each January and it's also in UI Online under Payments. DI benefits have their own tax treatment. When you've had both running in a calendar year the 1099G from UI is separate from the DI side. Worth keeping track of which weeks you were collecting which, especially for whoever is doing your taxes.

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Good point. I'll keep a note of which weeks were UI and which were DI payments so there's no confusion at tax time.

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UI Online Claim History is helpful for that - shows the payment history by week so you have a record.

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The 10 percent federal withholding option on UI certifications is something a lot of people skip and then regret in April. You can elect it at each certification if you want taxes taken out as you go.

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To the original poster - once you're cleared to work and reopen UI, do you have to do another phone interview because of the medical gap, or does EDD just pick up where it left off? Asking because my situation might end up similar and I'm trying to figure out if reopening triggers a whole new round of adjudication.

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Reopening a UI claim during the same benefit year generally doesn't require a new eligibility interview for the original separation - that was already handled when you first filed. If a new question pops up EDD will schedule something, but a medical break followed by reopening the same claim isn't the same as a new filing.

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That's reassuring. I was picturing having to explain my layoff all over again to a new interviewer.

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Hoping for the smooth reopen. My original separation was a straightforward elimination of position with no dispute, so fingers crossed that stays settled.

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For anyone hitting this thread through search: workers' comp is a third thing entirely. If your injury happened AT work, workers' comp is the program, not SDI. EDD's own materials say getting workers' comp and DI at the same time isn't common, though there can be exceptions. And workers' comp counts as income you report when certifying for UI. All three programs - UI, DI, workers' comp - have different lanes and you need to know which lane your situation is in.

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The workers' comp point is important. I've seen people hurt at work try to file DI and get bounced around because the injury source matters for which program takes it.

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Mine was definitely not a work injury - completely unrelated to the job. So SDI's DI program was the right lane for me, as confirmed when I filed in SDI Online.

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The reopen process in myEDD is actually pretty intuitive once you're in there. You look for the option to reopen an existing claim rather than starting a new application - the site makes this distinction clear. The key piece is that you have to meet the availability and work search requirements again from the day you reopen, so if you're certifying that first week post-DI, you need to be genuinely back in job search mode.

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The job search mode part is critical. I've seen people reopen while still kind of in recovery mode and they certify yes to availability without really being there. That's how overpayment situations start.

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Exactly. If the doctor's note says you're clear but you're still not really able to do your job type, that's a question to work out with the doctor before you start certifying available again.

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Employer notification stuff that might matter here: when you first filed UI, EDD mailed your last employer a DE 1101CZ. The employer had 10 days from that notice date to respond. With a layoff the employer response usually just confirms the separation. When you reopen, there's generally no new employer notice for the same separation. Just flagging this in case anyone worries the employer gets a fresh notification every time you interact with your claim.

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I hadn't thought about whether reopening would notify my former employer again. Good to know that's not how it works for the same separation.

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The employer already had their chance to weigh in on the separation. The DI period and the reopen are your own claim management, not a new eligibility question for them.

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The bigger picture for someone in your situation: keep certifying for DI while you're restricted, reopen UI the week your work restriction lifts, make sure CalJOBS is current, and stay honest on every certification about your ability and availability. The two programs are designed to hand off to each other for exactly this scenario - you don't have to choose one and abandon the other permanently. EDD built this for people who get laid off and then get hurt, or get hurt while unemployed. Use both programs in the right sequence and you get the coverage they're meant to provide.

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This is the clearest summary of the whole situation. Use both in sequence, stay honest, keep CalJOBS current. That I can follow.

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The sequence framing is the key mental model. DI now, UI later, don't try to run them side by side.

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And keep records of everything - the DI approval date, the clearance note date, every certification. If anything ever gets questioned you want that paper trail showing each program was used in its own proper window.

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