EDD Disability vs. Unemployment - can I qualify if temporarily sick?
I'm really confused about whether I can get any EDD benefits right now. I got laid off from my restaurant job 3 weeks ago and was planning to file for unemployment, but then came down with pneumonia. My doctor says I'll be out for at least another 2 weeks before I can start looking for work again. I know one of the UI requirements is being 'able and available' to work immediately, which I'm not right now because of this illness. Does this mean I don't qualify for unemployment until I'm better? Should I apply for SDI instead for the time I'm sick? Will this mess up my unemployment claim when I get better? Anyone dealt with this situation before?
19 comments
Tasia Synder
You're correct that you need to be able and available for work to qualify for UI. Since you're temporarily unable to work due to illness, you should apply for State Disability Insurance (SDI) to cover the period you're sick. Once you recover, you can then apply for regular unemployment. Just make sure you're honest about your dates - don't overlap them or EDD will flag it as fraud. It happens more often than you'd think.
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Natalia Stone
•Thanks for confirming! So I should apply for SDI now and then switch to UI after my doctor clears me? Will my UI claim be affected because I didn't file right after being laid off? I'm worried about losing weeks of benefits.
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Selena Bautista
my cousin did this last yr. get the SDI first then do unemployment after. the dr note is super important keep that for ur records
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Mohamed Anderson
Let me clarify this situation a bit more thoroughly. If you're unable to work due to a medical condition, you should absolutely file for State Disability Insurance (SDI) rather than Unemployment Insurance (UI). These are two separate benefit programs: - SDI: For when you cannot work due to non-work-related illness or injury - UI: For when you're able to work but have lost your job through no fault of your own You can transition from SDI to UI once your doctor releases you to work. You'll need to file a separate claim for UI at that point. The base period for calculating your benefits will be the same regardless of when you file - it's based on your earnings in previous quarters, not on how quickly you file after job loss. Make sure to get documentation from your doctor about both the start and end dates of your medical condition.
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Ellie Perry
•The EDD system is SO CONFUSING!!!! They make it impossible to figure out what to do in situations like this. I ended up in the same boat last year - got sick right after losing my job and had to wait on hold for HOURS trying to figure out which program to apply for! They need to fix their website to make this clearer!
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Natalia Stone
•Thank you for the detailed explanation! This makes much more sense now. I'll apply for SDI right away and keep all my medical documentation ready.
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Landon Morgan
I went thru same thing in January. Applied for SDI online but it took FOREVER to process. I was almost better by the time it got approved. If u need to talk to someone at EDD about it, good luck getting thru on the phone - I tried for 2 weeks straight and kept getting the "we're experiencing high call volume" message.
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Teresa Boyd
•Try Claimyr! I was in the same position and couldn't get through to EDD after trying for days. Claimyr connected me with an EDD agent in less than 30 minutes. Saved me so much frustration! Their website is claimyr.com and you can see how it works here: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km
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Natalia Stone
•Thanks for the heads up about the wait time. I'll get my SDI application in ASAP then. Did they backdate your claim to when you first got sick?
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Landon Morgan
•Yep they did backdate it to when my doctor certified I got sick. Just make sure ur doctor fills out their part of the form quickly! Mine took an extra week which delayed everything.
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Lourdes Fox
everyone here is giving you good advice but I want to add one more thing - make sure your doctor is REALLY specific on the form about exactly when you can return to work. My SDI was cut off a week early because my doctor wrote "approximately 3 weeks" instead of giving a specific end date, and EDD interpreted that as the shorter end of the range. i lost a week of benefits and it was a NIGHTMARE trying to get it fixed.
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Selena Bautista
wait cant u just say ur available to work even if ur sick? not like EDD is gonna come check on u lol
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Mohamed Anderson
•That would be benefits fraud and could result in penalties, having to repay benefits with interest, and possibly even criminal charges. EDD regularly cross-references claims across their programs. If they discover someone is collecting UI while medically unable to work, they will establish an overpayment and may assess a 30% penalty. It's really not worth the risk.
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Selena Bautista
•oh damn ok good to know
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Ellie Perry
UGHHH I HATE how EDD makes everything so difficult!!! When I was in your situation I ended up not getting ANY benefits for the first 3 weeks because of all the confusion and paperwork delays!!!!!! Make sure you call them and talk to an ACTUAL PERSON before submitting anything!!!! The website is USELESS and just confuses everything!!!!!
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Natalia Stone
•That sounds really stressful, I'm sorry that happened to you. Did you eventually get things sorted out? Were they able to backdate your claim?
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Tasia Synder
Something else to keep in mind: Once you recover and apply for UI, you'll need to report that you received SDI during the certification process. Be 100% accurate with the dates to avoid any overpayment issues down the line. EDD systems do talk to each other and they will eventually catch any overlapping benefit periods.
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Landon Morgan
hey OP, did u get ur SDI application submitted? My sister is going thru almost the same thing right now.
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Natalia Stone
•Yes! I submitted my SDI application yesterday and had my doctor complete their portion today. Now just waiting for it to process. I'll update if I run into any issues but so far the online system was pretty straightforward.
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