EDD benefits conflict with Medi-Cal application - denied despite unemployment proof
I'm beyond frustrated right now. Been on unemployment since losing my job at the hospital in January (2025), and I've been receiving weekly EDD benefits of $487. When I applied for Medi-Cal last month, I submitted all my unemployment award letters and certification history as proof of income. But I just got DENIED yesterday claiming my 'income exceeds the threshold' which makes NO sense! The denial letter suggests I didn't provide adequate income verification. Do I seriously need to submit bank statements too? Has anyone else had this problem with Medi-Cal not recognizing EDD benefits as valid income? The whole point of applying for Medi-Cal is because I CANNOT afford private health insurance while on unemployment! What am I missing here?
19 comments
Haley Stokes
yep they made me submit bank statements too. its stupid but thats how they do it. they dont trust the edd docs for some reason lol
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Lia Quinn
•Seriously?? That's ridiculous. The EDD documentation literally shows my EXACT income. What did you end up sending them - just regular bank statements or something special?
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Asher Levin
This happens because Medi-Cal and EDD don't communicate efficiently with each other, even though they're both state programs. You should submit your last 3 months of bank statements showing the unemployment deposits. Also make sure you're applying for the correct Medi-Cal program - there's different income thresholds depending on your household size and whether you're applying for standard Medi-Cal or the expanded program. With your benefit amount of $487 weekly, you should definitely qualify unless you have other income sources they're detecting somehow. You can also request a reconsideration/appeal of their decision while submitting the additional documentation.
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Lia Quinn
•Thank you! I didn't realize there were different Medi-Cal programs. I just selected whatever the default option was on the application. I'll definitely submit those bank statements and look into whether I applied for the right program. My only income is from unemployment.
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Serene Snow
omg this happened to my cousin too!! they kept denying her even tho she was on unemloyment for like 6 months. turns out she had checked some box wrong about household size? maybe check all your application details again
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Issac Nightingale
The EXACT same thing happened to me last year when I applied! It was such a nightmare. I had to call their office SEVENTEEN times before I finally got through to a human being who could help me. Kept getting disconnected or put on hold for 2+ hours before the call would drop. So frustrating! When I finally got someone, turns out they had counted my one-time severance payment as recurring monthly income (which it WASN'T). Had to appeal and wait another 45 days while having NO health coverage. The system is totally broken.
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Lia Quinn
•Oh no, that sounds awful! I haven't received any severance, but maybe they're misinterpreting something else in my application. Did you eventually get approved? How long did the whole process take?
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Issac Nightingale
•Yes, I eventually got approved but it took almost 3 months total. Once I got through to someone who actually understood my situation, it was resolved fairly quickly. The problem was GETTING to that person! And then they backdate your coverage, but that doesn't help when you're putting off doctor visits because you think you don't have coverage!
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Romeo Barrett
This is a common issue when coordinating benefits between different state agencies. Here's what you need to provide: 1. Last 3 months of bank statements showing your unemployment deposits 2. Your EDD award letter (which you've already submitted) 3. Your most recent UI certification confirmations 4. A signed statement declaring you have no other income sources Make sure you're applying for the correct Medi-Cal program as well. For a single individual receiving unemployment, you'd qualify for expanded Medi-Cal which has a higher income threshold than traditional Medi-Cal. Your weekly benefit of $487 multiplied by 4.33 (average weeks in a month) equals about $2,108 monthly income, which is below the expanded Medi-Cal threshold for a single person. Also, check if they're calculating your income before or after the standard EDD deductions. Sometimes they mistakenly use the pre-deduction amount.
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Lia Quinn
•Thank you so much for this detailed info! I had no idea about expanded Medi-Cal vs. traditional. I'll definitely make sure I'm applying for the right program and submit all those documents. I appreciate the help!
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Marina Hendrix
I went through this exact situation in February. After getting nowhere with the regular Medi-Cal phone number, I discovered Claimyr (claimyr.com) and used it to get through to an actual EDD representative who then coordinated with Medi-Cal on my behalf. Saved me weeks of frustration! They have a video showing how it works here: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km. The EDD rep was able to send something directly to Medi-Cal verifying my benefit status, which solved the whole problem. Might be worth trying if you keep getting stuck in the bureaucratic loop.
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Serene Snow
•is that service legit? seems weird to pay to talk to edd when its supposed to be free 🤔
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Justin Trejo
THEY DID THE SAME THING TO ME!!! The left hand doesn't know what the right is doing in CA government!!! I ended up having to provide bank statements, EDD confirmation emails, AND a sworn statement about my income. Even then they took FOREVER to approve me. The whole system is designed to make you give up. DON'T GIVE UP!!
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Lia Quinn
•Thanks for the encouragement! I definitely won't give up - I need the healthcare coverage too badly. I'll gather all those documents and try again.
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Haley Stokes
wait are u sure ur actually getting denied for income reasons? sometimes they deny u if u just didnt fill out some random form they wanted. check all the paperwork they sent
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Romeo Barrett
One additional thing to check: make sure you're calculating your monthly income correctly for the application. EDD pays weekly, but Medi-Cal calculates monthly income. The proper way to convert is to multiply your weekly benefit by 4.33 (the average number of weeks in a month), not by 4. This small difference can sometimes push people over the threshold mistakenly. Also, if you received any retroactive payments from EDD in a lump sum, Medi-Cal might be incorrectly counting that as regular monthly income rather than spreading it across the period it covers.
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Lia Quinn
•That's a really good point. I did receive a retroactive payment when my claim was first approved, so maybe that's throwing things off. I'll make sure to clarify that in my appeal letter. Thank you!
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Issac Nightingale
Did you apply online or by paper? When I applied online it kept getting rejected but when I went IN PERSON to the county office with all my documents they approved me right away. Sometimes the computer systems just don't talk to each other right.
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Lia Quinn
•I applied online. Going in person might be my next step if resubmitting with more documentation doesn't work. Thanks for the suggestion!
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