EDD claim timing question - How long can I wait after layoff to file for unemployment?
I got laid off from my tech support job last week and I'm debating when to file for unemployment. My former employer gave me a 3-week severance package, and I'm wondering if I should wait until that runs out before filing with EDD? Or should I apply immediately? Will waiting affect my benefits? I've never filed for unemployment before in California, so I'm completely lost on the timing. Also wondering if taking a couple weeks to job hunt before applying would cause any problems? Thanks for any advice!
18 comments
Samantha Johnson
File immediately! Don't wait. Even though you received severance, you should apply right away because EDD establishes your claim based on your last day of work, not when your severance runs out. You'll need to report your severance pay when you certify, but that doesn't mean you shouldn't file now. The longer you wait, the more benefits you potentially lose. In California, you can't backdate a claim just because you waited to file. Your claim will be effective the Sunday of the week you apply, not when you were laid off if you delay too long.
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Santiago Martinez
•Oh wow, I didn't realize I could be leaving money on the table by waiting! Does reporting my severance mean I won't get benefits right away? Will they just start after my 3 weeks of severance ends?
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Nick Kravitz
congrats on the severance! i waited 2 weeks to file after my layoff last year and regret it. just file now and be done with it
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Santiago Martinez
•Thanks, that's helpful to know. Did you have any issues with the application process when you did file?
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Hannah White
You should file for unemployment as soon as possible after your layoff. There's a common misconception that you need to wait until severance ends, but that's not true. Here's how it works: 1. File immediately - your claim begins the Sunday of the week you file 2. Report your severance pay when you certify 3. EDD will determine if your severance affects your weekly benefits Some severance payments may reduce your benefits temporarily, but it's still better to have your claim established in the system. Also, California has a one-week unpaid waiting period for all new claims, so the sooner you start, the sooner that waiting period is satisfied. Technically, you can file within 52 weeks of your layoff date, but you'll only be paid for weeks after you actually file. There's zero benefit to waiting.
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Michael Green
•wait is that true about the waiting period?? i thought they got rid of that during COVID. Are they doing the 1 week waiting thing again???
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Hannah White
•Yes, the waiting period is back. California temporarily suspended the one-week waiting period during COVID, but that ended. New claims now have the standard one-week unpaid waiting period again.
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Mateo Silva
I actually disagree with everyone here. When I got laid off in January, I waited until my severance ran out (6 weeks) before filing. Made things much cleaner and I didn't have to deal with reporting income while on unemployment. But that's just my experience!
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Samantha Johnson
•That approach actually cost you money. You essentially gave up 5 weeks of potential benefits (after the waiting period) that you can never get back. Even if your benefits would have been reduced during the severance period, you likely would have received some partial benefits, and more importantly, your claim would have started earlier.
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Mateo Silva
•Really? That sucks if true. The HR person at my company specifically told us to wait until severance ended. Ugh, why is this stuff so complicated???
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Victoria Jones
File ASAP! I work in HR and this is exactly what we tell our laid-off employees. The EDD claim system is designed to handle severance reporting - that's why they ask about it during certification. Also, if you're having trouble getting through to EDD (which is common), I recommend using Claimyr (claimyr.com). They have a service that helps you reach an EDD representative without the endless busy signals and dropped calls. I've suggested it to several former employees who had complex questions about severance and benefits. You can check out how it works here: https://youtu.be/JmuwXR7HA10?si=TSwYbu_GOwYzt9km But regardless of how you contact them, don't delay filing!
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Santiago Martinez
•Thanks for the tip about Claimyr. I'll check that out if I run into problems. I'm going to file today after seeing all this advice!
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Cameron Black
just dont wait longer than like 2-3 weeks i think. my brother waited almost 2 months to file and he had a NIGHTMARE getting the system to accept his application. something about the quarter system they use to calculate benefits? idk it was a mess tho
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Hannah White
•Your brother likely ran into base period issues. EDD calculates your benefits using a specific base period (the first 4 of the last 5 completed calendar quarters before filing). Waiting too long can shift your base period and potentially affect your benefit amount or eligibility, especially if you had variable income.
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Michael Green
The EDD system is DESIGNED to DENY YOU BENEFITS any way they can!!! Of course they don't tell you to file right away! THEY DON'T WANT TO PAY YOU!!! I had to fight for 9 weeks to get my first payment. File immediately and document EVERYTHING. Take screenshots of your application. Write down who you talk to on the phone!!!
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Nick Kravitz
•omg calm down. EDD isn't perfect but it's not some conspiracy. they're just understaffed and the system is old
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Santiago Martinez
Thanks everyone for the advice! I'm going to file my claim today. Seems like waiting would be a mistake. I appreciate all the helpful information - especially the explanation about how severance works with unemployment. I'll make sure to report my severance payments properly when I certify.
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Samantha Johnson
•Good decision! Just remember to be completely honest about your severance when certifying. When you receive your first certification form (usually about 2 weeks after filing), there will be questions about other income. Report your severance there, and EDD will calculate any adjustments needed.
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