EDD Disability vs Unemployment claim duration differences? SDI confusion
I'm about to apply for disability through EDD but I'm getting confused about how long I can receive benefits. My doctor says I'll need about 8 months to recover from surgery, but I've heard disability claims don't last as long as unemployment. When I was on UI last year, I got benefits for 12 months. Does disability (SDI) work the same way? If not, what's the maximum time I can be on disability? I don't want to apply and then have benefits run out while I'm still recovering. Also, do I need to call EDD first or just apply online?
14 comments
Carter Holmes
No, disability (SDI) and unemployment (UI) have completely different timeframes and rules. UI can last up to 26 weeks (about 6 months) in a benefit year, which is 12 months long. SDI is totally different - it covers up to 52 weeks maximum if medically necessary, but most claims are approved for shorter periods based on your doctor's certification. Your doctor will need to complete the medical portion stating how long you'll be unable to work. For surgery recovery, they'll typically certify for the standard recovery time, then you can get extensions if needed with additional medical certification. Apply online through SDI Online, not UI Online - they're separate systems.
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Mia Alvarez
•Thank you! This helps a lot. So if my doctor says 8 months recovery, I should be covered for that full time as long as he certifies it? And I apply through SDI Online, not the regular unemployment site?
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Sophia Long
disabilty isnt unimployment!! i was on disability last year and it can go up to a year BUT ur doctor has to keep doing paperwork every few months to confirm you still cant work. they dont just give you the whole year automatically lol. its a pain
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Angelica Smith
•This is EXACTLY why I'm afraid of applying! The EDD system is a NIGHTMARE with paperwork. I was on unemployment in 2023 and they messed up my claim THREE TIMES. Now I'm dealing with an overpayment notice for THEIR MISTAKE. I can't imagine the disability paperwork nightmare. Does your doctor directly submit the forms or do you have to chase them down? I bet EDD loses half the medical forms people send in!!!
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Logan Greenburg
To clarify some important points about State Disability Insurance (SDI): - SDI provides benefits for up to 52 weeks (maximum) - Your doctor determines the length based on your medical condition - The initial certification might be shorter than your full recovery time - You can get extensions with additional medical certification - The weekly benefit amount is calculated differently than UI (approximately 60-70% of your wages) - There's a 7-day waiting period before benefits begin - You apply through SDI Online, not UI Online For your 8-month recovery, you should be eligible for the full duration as long as your physician continues to certify your inability to work. Just make sure to submit any extension paperwork before your current certification period ends to avoid payment gaps.
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Charlotte Jones
•When I was on disability last year, my doctor only certified me for 6 weeks initially after my surgery, even though we both knew recovery would take longer. He said that's standard practice - they certify for shorter periods then extend as needed. So don't panic if the initial certification doesn't cover your full 8 months!
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Lucas Bey
Unemployment and disability are completely different programs, even though they're both through EDD. I was on disability after my accident and yes it can last up to a year, but here's what nobody tells you - getting someone on the phone at EDD when there are problems with your claim is IMPOSSIBLE. I spent 3 weeks calling every day when my payment was delayed.
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Harper Thompson
•Try Claimyr if you need to reach EDD quickly. I was in the same boat - calling for days with no luck. Used their service and got through to an agent in about 25 minutes. They basically call EDD for you and connect you when they get through. Saved me days of frustration when my disability payments stopped randomly. Their website is claimyr.com and they have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km
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Caleb Stark
my sister just finished her SDI claim for cancer treatment and it was actually approved for 9 months total. but her doctor had to fill out paperwork 3 different times. the first approval was only for 2 months, then they extended it twice. so just know that u probably wont get approved for all 8 months at once, they do it in chunks
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Mia Alvarez
•Thank you for sharing this. I'm starting to understand how it works now. I guess I need to talk to my doctor about being prepared to submit multiple certifications. Did your sister have any gaps in payment between certifications? That's what I'm worried about.
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Logan Greenburg
One more important thing to know: Unlike unemployment, you don't have to certify for benefits every two weeks with SDI. After your claim is approved, payments are automatically issued until you either return to work or reach the end of your medical certification period. Just make sure your doctor submits extension paperwork about 10-14 days before your current certification ends to avoid payment interruptions. Also, SDI payments are not taxable at the federal level (though UI payments are), which is a nice benefit.
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Mia Alvarez
•That's great news about not having to certify every two weeks! The biweekly certification when I was on unemployment was so stressful. And I had no idea the disability payments aren't federally taxed - that's really helpful. Thanks for all this information!
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Angelica Smith
Just a warning - when I transitioned from disability back to work, EDD CONTINUED sending me payments I wasn't entitled to for THREE WEEKS after I reported returning to work!!! Then 6 months later they sent me an OVERPAYMENT NOTICE demanding I pay back $2,800!! Their system is COMPLETELY BROKEN. Make sure you document EVERYTHING and call to confirm they processed your return to work when that time comes.
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Carter Holmes
•This is important advice. When you're ready to return to work, don't just stop certifying (like with UI). With SDI, you need to actively notify them of your return-to-work date. The best method is to report it through your SDI Online account AND call to confirm they've processed it. Keep records of when you reported it and who you spoke with. It's unfortunate, but documentation is your best protection against administrative errors.
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