Do I need to report Social Security retirement benefits to EDD while collecting unemployment?
Hi everyone, I'm helping my dad navigate his benefits situation and need some clarification. He recently started receiving Social Security retirement benefits while also collecting unemployment from EDD. He's really stressed about whether he needs to report his Social Security income to EDD when certifying for benefits. Does anyone know if Social Security retirement counts as income that needs to be reported during certification? If yes, how exactly should he report it? He's worried about getting hit with an overpayment notice or being accused of fraud if he handles this wrong. Any advice would be super appreciated!
15 comments
Lydia Bailey
Yes, your dad MUST report Social Security retirement benefits when certifying for UI benefits with EDD. However, Social Security retirement is NOT deducted from UI benefits in California. He should report it in the section asking about "pension, retirement, or annuity payments" when he certifies every two weeks. Make sure he specifies it's Social Security retirement so EDD doesn't mistakenly deduct it. The important thing is to be transparent - not reporting it could trigger an overpayment situation later.
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Marcus Patterson
•Thank you so much for the clear answer! So just to make sure I understand - he needs to report it under the pension/retirement section, but it won't actually reduce his weekly benefit amount? That's a relief. Do you know if he needs to report the gross amount or after Medicare premiums are taken out?
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Mateo Warren
my mom went thru this last yr & had the same worry. just report it when u certify and ur fine. social security doesnt affect unemployment but u still gotta tell them about it
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Sofia Price
•This is NOT always true! It depends on what type of Social Security benefits! SSI is different from retirement benefits which is different from SSDI. Each has different rules with EDD. Don't give blanket advice like this when you don't know the specifics!!!
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Alice Coleman
To be 100% clear: Social Security retirement benefits need to be reported but don't reduce your UI benefits in California. However, employer pensions CAN reduce your benefits if they're from a base period employer. Your dad should make sure he's selecting the correct type when reporting. He needs to report the gross amount before any deductions. When he certifies, there's a specific question about receiving pension/retirement income. He answers YES, enters the amount, and specifies it's Social Security retirement. I also recommend he keeps screenshots or printouts of his certifications as proof he properly reported everything in case there's ever a question later. Better safe than sorry!
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Marcus Patterson
•This is incredibly helpful, thank you! I'll help him take screenshots from now on. One last question - he started getting Social Security about 3 weeks ago but has been on unemployment for 2 months. Does he need to contact EDD about the previous certifications or just start reporting it on the next one?
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Owen Jenkins
When I was dealing with this exact situation I got so frustrated trying to get a clear answer from EDD! Called 78 times in one day and couldn't get through!! Finally used Claimyr (claimyr.com) to get through to a rep who confirmed that Social Security retirement benefits must be reported but don't reduce your UI benefits. Their video demo shows how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km - saved me hours of redial hell.
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Lilah Brooks
•is that service legit? I've been trying to reach EDD for 2 weeks about something similar but keep hitting dead ends
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Owen Jenkins
Yes it's legitimate - they just connect you with EDD faster. Was skeptical myself but it works. Better than trying to call hundreds of times.
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Sofia Price
I had the WORST experience with this last year because I didn't report my retirement properly!!! Got hit with a $4,800 overpayment notice and had to go through appeals!!! EDD's system is SO CONFUSING because the certification questions aren't clear about what counts as income!!! Tell your dad to DEFINITELY report the Social Security during certification and be VERY SPECIFIC that it's SS retirement. The system might ask follow-up questions about who paid into it - make sure he answers all those correctly!!!
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Marcus Patterson
•Oh no, that sounds awful! Did you eventually get it resolved? I'll make sure he's super careful with how he answers everything.
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Jackson Carter
wait im confused now. do benefits get reduced or not? i thought any income reduces ur unemployment?
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Alice Coleman
•Social Security retirement specifically does NOT reduce unemployment benefits in California (though it does in some other states). Other types of income like wages from part-time work or certain pensions DO reduce benefits. That's why it's important to be specific about what type of income you're reporting.
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Marcus Patterson
Thank you all SO much for the helpful information! I'm going to sit down with my dad tonight and help him understand exactly how to report his Social Security retirement during certification. It's a huge relief to know it won't reduce his benefits but also that he definitely needs to report it to avoid problems later. Will definitely have him keep documentation of everything too!
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Mateo Warren
•good luck! edd stuff is always stressful but sounds like ur on the right track
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