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EDD claim balance depleted but still jobless - what happens after benefits run out?

I've got about 3 weeks left before my EDD claim balance hits zero and I'm honestly freaking out. Been in marketing for 8 years and never struggled finding work like this before. Already had 11 interviews since January with zero offers. My rent is $2,650 and I'm already behind on car payments. What actually happens when your balance goes to $0? Can you file a new claim right away? Is there some extension program in 2025 I don't know about? Or am I just completely screwed once the money runs out? I've already lowered my salary expectations by 30% and still nothing. Starting to think I might have to take a barista job just to survive, which feels like such a step backward at 37. Does anyone know what options exist after your regular UI benefits are gone??

Hey there - I went through this exact situation last month and found something that might help. Once your claim balance hits zero, you can't file a new claim until your benefit year ends (typically 12 months from when you first filed). What saved me was calling EDD directly to ask about the Fed-ED extension (it's still available in 2025 if CA unemployment rate stays high). The frustrating part is getting through to an actual agent. After 20+ failed calls, I found this service called Claimyr (claimyr.com) that basically waits on hold for you and calls you back when an EDD agent is on the line. They have a video showing how it works: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km. The agent confirmed I was eligible for the extension and helped process it right away. Don't give up yet - there might be options you qualify for!

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OMG thank you for this info! I had no idea about Fed-ED still being a thing. I thought all the extensions ended after COVID. Does it kick in automatically or do you have to specifically request it? And how long does that extension typically last?

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To clarify some misinformation in this thread: Fed-ED is NOT automatically available right now. It only triggers when California's unemployment rate reaches specific thresholds, which it currently hasn't. Here are your actual options when your balance reaches zero: 1. You must wait until your benefit year ends before filing a new claim (you need enough earnings in your base period) 2. You may qualify for California Training Benefits (CTB) if you enroll in approved training 3. You should check if you qualify for other types of assistance like CalFresh or rental assistance programs 4. Continue your work search requirements and document everything I know it's tough, but don't get discouraged. Many employers are hiring for Q2 projects right now. Consider expanding your job search to adjacent industries where your marketing skills would transfer.

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thnks for the clear info!! i ran out of benefits 3 weeks ago and wasnt sure what to do next. the edd website is so confusing with all the diffrent programs.

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Thanks for clarifying. That's disappointing about Fed-ED. I'll look into the California Training Benefits program. Do you know if marketing certifications would qualify? Also, has anyone had luck getting rental assistance recently? My landlord is already making noises about eviction.

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I HAET to be the bearer of bad news but EDD is USELESS once ur benifits run out!!! I worked 15 yrs in healthcare and STILL ended up taking a walmart job after my claim hit zero. The whole system is RIGGED against workers. They expect us to survive on NOTHING while billionaires dont pay TAXES!!! Good luck finding decent work - all the good jobs are going oversees or to robots these days.

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While I understand your frustration, this comment doesn't help the OP with their immediate situation. Not everyone has the same experience with EDD, and there are legitimate programs that can bridge the gap, like the CTB program mentioned above. Let's try to offer constructive advice rather than just venting.

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Ur right, sorry. Just triggered bc I went thru same thing. @OP - one thing that worked for me is talking to local workforce center. They have resources EDD doesnt mention. Also, temp agencies can be good for quick work while u keep looking for something permanent.

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Mei Liu

I was in your situation about 6 months ago (marketing background too). Here's what worked for me: 1. I did sign up for CTB (California Training Benefits) to learn Python and data analytics, which kept some money coming in while I enhanced my skills 2. I took a part-time job (20 hrs/week) at a coffee shop which qualified me for partial unemployment 3. I reached out to all previous clients/employers offering freelance/contract work The combination kept me afloat until I found a full-time marketing position that actually used my new data skills. Don't see taking a service job as a step backward - I actually met my current boss when he came into the coffee shop! Sometimes you have to pivot temporarily.

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This is really helpful, thank you. I never considered partial unemployment with part-time work. How much did CTB pay compared to your regular benefits? And how complicated was the application process? I'm definitely going to look into this!

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Can u re-apply for unemployment after ur benefit year ends? Ive been on ui since April 2024 and my balance is almost gone to. Tried calling edd but they always say 'too many callers'.

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Yes, you can file a new claim after your benefit year ends, but you need to have earned enough wages in your new base period to qualify. Your base period is the first four of the last five completed calendar quarters before filing. You'll need to have earned at least $1,300 in one quarter or $900 in your highest quarter plus 1.25x that amount throughout the base period.

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In my exprience, the best thing is to take ANY job while continuing to look for something in your field. I ended up driving for Uber for 3 months after my UI ran out. It wasn't great money but it covered basics while I kept interviewing. Eventually got back into my field. The job market feels extra tough right now, but hang in there!

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Thanks for the encouragement. I'm definitely at the point where I'll take what I can get. Did you list the Uber work on your resume or just treat it as a gap filler?

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Just wanted to say im in the same boat. 13 years in finance and now im delivering pizzas at 42 years old just to keep the lights on. its humbling for sure but honestly not as awful as i expected. my advice is dont wait till ur benefits run out to start looking for stopgap work. the sooner u accept it might be necessary the better position ull be in

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EXACTLY THIS! I waited till my benefits were gone and ended up with 2 months of no income while looking for ANY work. Should have started my walmart job search earlier.

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One important thing nobody has mentioned yet: when your claim balance reaches zero, make sure you still complete your last certification period! Many people skip this thinking there's no point since they won't get paid, but this ensures your claim is properly closed out in the system. This matters if you need to reopen your claim or file in the future. Also, keep detailed records of all your job search activities even after benefits end. If you do qualify for a new claim or extension later, EDD may ask for verification of your continued efforts to find work during the period after your benefits ran out.

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This is super helpful and not something I would have thought about. I'll definitely make sure to complete that last certification. I've been keeping a spreadsheet of all my applications and interviews anyway, so I'll just continue that practice.

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hey did u try applying at target? they pay pretty good now like $19/hr and benefits. my cousin just got hired there after her teaching job fell through. not ideal but better than nothing

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I haven't tried Target specifically, but that's a good suggestion. $19/hr is definitely better than minimum wage, and I could probably still do interviews for marketing positions on my days off. I'll check to see if they're hiring in my area. Thanks!

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