EDD and military pension reporting - will my retirement pay affect my UI benefits?
I just retired from the Marine Corps last month (January 2025) after 20 years of service. I applied for unemployment since I haven't found civilian work yet, and certified for my first two weeks. My claim is now showing $0 for those weeks even though I thought I'd qualify. Here's what's confusing me - my military pension hasn't actually started paying out yet (there's usually a 2-3 month processing delay with DFAS), but I'm entitled to it. When I certified, I didn't report any pension income since I haven't physically received any payments. Did I mess up? Should I have reported my future pension even though I haven't gotten a dime yet? I indicated I was able and available to work and actively job searching. I was told military pensions don't disqualify you from UI benefits in California, but now I'm worried I did something wrong on my certification. Has anyone dealt with this situation before?
20 comments


Harmony Love
I went thru a similar situation when I retired from the Air Force in 2024. EDD is SUPPOSED to only count pension as income when you ACTUALLY receive it, not when you're just entitled to it. My first 3 certifications were fine, but then my 4th suddenly showed $0. Turns out my pension had started and they counted 100% of it against my WBA even though only 50% should've been deducted!! Had to call them like 50 times to get it fixed.
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McKenzie Shade
•Thanks for sharing your experience. So you think I should be getting UI payments until my pension actually starts paying out? That's what I thought too! Did you have to submit any special documentation to prove when your pension started? I'm worried they might be assuming I'm already receiving it.
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Rudy Cenizo
You need to understand how pension deduction works with EDD. Military pensions are only partially deductible from UI benefits, and only when actually received. There are two key factors: 1. Only pensions from BASE PERIOD employers affect your UI 2. If your pension is from work in your base period, they deduct either 50% or 100% depending on if you contributed to it Since you just retired, the military was your base period employer, so when your pension starts, it will affect your UI. But until you actually receive payments, there's nothing to report. The $0 payment is probably unrelated - could be an identity verification issue, quarterly review, or eligibility interview needed. Check your UI Online for any messages or call EDD.
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Natalie Khan
•thx for explaining! my dad is retiring from navy next yr and was wondering bout this exact thing
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Daryl Bright
i had same issue after police retirement!!! u gotta check ur UI Online messages. bet u have a "pending eligibility interview" notice. they ALWAYS do this with military/police retiring. they wanna make sure ur actually looking for work and not just taking a long vacation lol. took 5 weeks to get my interview and $$
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McKenzie Shade
•Just checked and you're right! There is an eligibility interview notice. It says I need to answer questions about my availability for work. Does this mean they're holding ALL my payments until after this interview? That could be weeks or months away...
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Sienna Gomez
YOUR MAKING A COMMON MISTAKE!!! Military retirement is different from regular pensions for EDD!! When I got out after 16yrs Army they automatically flagged my account for a "pension review" even though I hadnt gotten a penny yet! The problem isnt reporting income - its that EDD puts ALL military retirees thru extra verification to make sure were REALLY looking for civilian work!!! They dont believe us!!
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Kirsuktow DarkBlade
•This is partially correct, but the issue isn't specific to military retirees. EDD often schedules eligibility interviews for anyone transitioning from a long-term career to ensure they're truly available for and seeking work. The pension reporting is a separate matter - you only report pension income when you actually receive it, not when you're entitled to it. The most important thing is to attend the eligibility interview and clearly explain your job search efforts and availability for work. Bring documentation of your job applications and be ready to explain how your military skills transfer to civilian jobs you're applying for.
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Abigail bergen
This happened to me too when I retired from the Postal Service. Not military but still federal pension situation. They put a hold on my benefits until I had a phone interview and I couldn't reach anyone at EDD for weeks to ask why. So frustrating!
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Ahooker-Equator
•Getting through to EDD is impossible these days! I had a similar issue and tried calling for two weeks straight. Always got the "we're experiencing high call volume" message and then they'd hang up. I finally used a service called Claimyr (claimyr.com) that got me connected to an EDD rep in about 20 minutes. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km Once I got through, they explained that I needed to wait for my eligibility interview but they were able to expedite it. Worth considering if you need answers quickly.
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Rudy Cenizo
Just to clarify the pension reporting rules for everyone: 1. You only report pension/retirement when you ACTUALLY RECEIVE the money 2. Military pensions are only partially deductible (usually 50%) 3. Only pensions from base period employers affect your UI The OP's issue is likely the standard eligibility interview that EDD schedules for career transitions. They want to verify you're truly available for and seeking suitable work. Be prepared to discuss: - Your job search efforts (with documentation) - Any job offers you've declined and why - Any limitations on hours/wages/locations - How your military skills transfer to civilian jobs Once you complete the interview, if approved, they'll release all held payments.
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Harmony Love
•This is 100% right. When I had my interview, they wanted details of EVERY job I'd applied to. Make sure you have names of companies, positions, dates, and how you applied (website, in person, etc). I had to explain why I turned down one job offer that paid less than my WBA - they were ok with that reason but asked a LOT of follow-up questions.
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Natalie Khan
my cousin got out of navy 2 yrs ago and had same problem! they makes u do special interview if u retiring from military. something about making sure ur not just taking vacation between careers or something? idk but he got all his money after the phone call thingy
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McKenzie Shade
•That's reassuring to hear that your cousin eventually got his payments. Did he have to wait a long time for the interview?
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Daryl Bright
one more thing!!! when ur pension DOES start u have to report it on certifications, but only AFTER u get the money. and they only take like half of it away from ur benefits, not dollar for dollar. its some weird calculation
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Kirsuktow DarkBlade
•That's correct. The pension deduction calculation depends on whether you contributed to your pension. For military pensions, EDD typically deducts 50% of your weekly pension amount from your Weekly Benefit Amount (WBA). So if your WBA is $450 and your weekly pension amount is $500, they'd deduct $250 (50% of pension), leaving you with $200 in UI benefits. But again, this only applies once you're actually receiving pension payments, not before.
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Misterclamation Skyblue
I'm going through something similar right now! I retired from the Navy in December 2024 and filed for UI in January. Same exact situation - my pension hasn't started yet due to DFAS processing delays, but I'm also showing $0 for my recent certifications. Based on what everyone's saying here, it sounds like we both probably have eligibility interviews scheduled. I just checked my UI Online and sure enough, there's a notice there I missed before. One thing I learned from talking to other veterans is to start documenting your job search activities NOW if you haven't already. Keep a spreadsheet with company names, job titles, application dates, and how you applied. The EDD interview will want specific details about your efforts to find work. Also, don't stress too much about the pension reporting - you're doing it right by not reporting income you haven't received yet. The $0 payments are almost certainly due to the standard review process they do for military retirees, not because you made an error. Hang in there - sounds like once we get through these interviews, we'll get all the back payments we're owed!
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Nia Jackson
•Thanks for sharing your experience! It's reassuring to know I'm not the only one going through this exact situation right now. I really appreciate the tip about documenting job search activities - I've been applying places but wasn't keeping detailed records. I'll start that spreadsheet today. Did you get any indication of how long the eligibility interview process typically takes? I'm hoping it won't be months before we hear anything. The waiting is stressful when you're trying to transition to civilian life and manage finances. It sounds like we both did the right thing by not reporting pension income we haven't received yet. Hopefully these interviews will clear everything up and we'll both get our back payments soon. Keep me posted on how your process goes - it would be great to hear from someone in the same boat!
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Natasha Kuznetsova
I'm also a recent military retiree (Army, January 2025) and went through this exact same thing! Just wanted to add a few things that might help: 1. The eligibility interview is standard for military retirees - they schedule it automatically because they want to verify you're genuinely seeking civilian employment and not just taking a "transition vacation" 2. When I had my interview (took about 6 weeks to get scheduled), they asked very detailed questions about my job search. Have ready: specific company names, job titles, dates applied, method of application, and be prepared to explain how your MOS/military skills translate to the civilian jobs you're targeting 3. They also asked about any networking events, job fairs, or veteran employment resources I'd used. Consider registering with ClearanceJobs, Corporate Gray, or RecruitMilitary if you haven't already - having these on your list shows proactive job searching 4. Regarding the pension - you're 100% correct not to report it until you actually receive payments. I made the mistake of mentioning I was "entitled" to retirement pay and they got confused. Only report actual received income 5. Once approved, they released all my held payments in one lump sum. The whole process was frustrating but the back pay made up for the stress Hang in there - this is just part of the military-to-civilian transition process with EDD. Your benefits should come through once you complete the interview!
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Lucy Taylor
•This is incredibly helpful information! Thank you for taking the time to share all these details from your own experience. The 6-week timeline for getting the interview scheduled gives me a better idea of what to expect, though I'm hoping mine comes through sooner. I really appreciate the specific suggestions about veteran employment resources - I hadn't heard of ClearanceJobs or Corporate Gray before. I'll definitely register with those and add them to my job search documentation. Having a clearance should hopefully open up some opportunities. Your point about only mentioning actual received income (not "entitled" income) is really important. I can see how that terminology could confuse the EDD representatives and potentially complicate things. It's reassuring to hear that you got all your back pay in one lump sum after approval. That makes the waiting period more bearable knowing the money will eventually come through. Thanks again for sharing your experience - it's exactly the kind of real-world insight that helps navigate this confusing process!
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