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Micah Franklin

What was unemployment 2020 like vs California EDD now?

So I've been trying to piece together how unemployment worked back in 2020 versus how California EDD runs things now in 2026, because my situation today feels completely different from what friends described going through back then. I got laid off from my warehouse job three weeks ago and filed through myEDD right away. The process seems way more streamlined now - ID.me verification, CalJOBS registration within 21 days, the whole thing. But my older coworker who went through it in 2020 says it was a completely different beast. I'm mostly curious whether the core stuff - the weekly benefit amount, the base period calculations, the certifying schedule - has always worked the same way, or if 2020 changed things permanently. My DE 429Z showed up and my weekly amount is $387, which feels low given what I was earning. Can anyone who went through both periods explain what carried over and what's different now? Also still waiting on a few pending weeks in my Claim History and not sure if that's normal for a fresh claim.

Layoff from that same industry last spring and had the same question about how things changed. DE 1326C showed up for me because I'd applied by phone and needed to verify through ID.me - that part is definitely newer, back in the day identity verification wasn't this involved. Used Claimyr (claimyr.com) to get through to EDD on the phone because I could not get anyone to pick up. The agent pulled up my claim and told me my two pending weeks were held up because the ID.me verification hadn't fully linked to my EDD account yet, and once that cleared they'd release. The video at https://youtu.be/JmuwXR7HA10 shows how reaching a live person at EDD actually works if you're hitting the same wall I was. After the agent flagged the ID issue I went back into ID.me, re-uploaded my photo, and within a few days those weeks processed.

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ID.me hadn't linked properly - that's exactly the kind of thing I'd never figure out just staring at UI Online. Did the agent walk you through what to do on the ID.me side or just tell you to go fix it?

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Same thing tripped me up. The DE 1326C letter explains what photos to upload but honestly re-reading it three times is what finally got me through the ID.me process.

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The agent told me exactly which step had stalled - said my photo submission was flagged for a re-review. Knowing that made it way easier to target the right thing in ID.me instead of just guessing.

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Core mechanics you're asking about - the base period math, the $40 to $450 weekly range, certifying every two weeks - those have been the same for years. What 2020 added were federal emergency programs that don't exist anymore: extra weekly payments on top of regular UI, extended durations past 26 weeks, a whole separate program for gig workers. None of that is around now. So if your coworker collected for a year and a half in 2020-2021, that was those temporary programs stacked together. Today you get a maximum of 26 weeks on a standard claim, period. Your $387 comes from your highest-paid quarter of your base period - the first four of the last five completed calendar quarters before you filed.

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26 weeks max now, got it. My coworker was definitely on something way longer than that. So the $387 is basically locked in based on what I earned before - no way to bump it up?

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Weekly amount is set when EDD processes your claim from that highest quarter. If the standard base period doesn't give you enough wages to qualify at all, EDD automatically checks the alternate base period - the most recent four quarters - but that only helps if you wouldn't qualify otherwise, it doesn't bump a valid claim higher. Your $387 stays unless EDD made a wage error, in which case you'd appeal the DE 429Z within 30 days of the mailing date.

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Wait so the alternate base period can't increase what someone gets paid? I thought you could request it to get a higher amount.

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Nope, that's a pretty common mix-up. The alternate base period is only there to give you a valid claim when the standard one falls short. EDD runs it automatically - you can't request it to get a bigger weekly check if you already have a valid claim.

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oh okay that's actually really useful to know, I told my roommate wrong then

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Pending weeks freaking me out every time I see them in Claim History and I know it's been normal for new claims but ugh. How long did yours stay pending before anything moved?

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Mine have been pending for about nine days since I certified. Starting to feel antsy but sounds like it might just be the new claim processing timeline?

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Mine took almost two weeks from first cert to seeing a payment post. I think the first cert always covers the waiting week anyway so only one actual paid week comes through that first time.

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Waiting week thing catches people off guard. First certification usually covers that unpaid waiting week plus one paid week - so you only see payment for one of those two weeks. Normal for a new claim.

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What was unemployment like in 2020 compared to now is a loaded question honestly. EDD's phone lines were basically unreachable for months. Millions of people filing at once and the system completely buckled. Pandemic programs were being added in real time, rules kept shifting, and nobody at EDD seemed to know what was current. Now in 2026 it's not perfect but it's night and day different. The CalJOBS requirement is more consistently enforced too - back then work search was waived entirely for a while. Now you have to register and post a resume in CalJOBS within 21 days of your DE 8405 notice or payments can stop.

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Already registered on CalJOBS the day I got the DE 8405, didn't want to risk anything. Resume posted and everything. Is there anything else on that site I should be doing or is registration and resume basically the main thing?

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Registration and the resume posting are the main boxes to check per EDD's requirement. Beyond that, keeping your own records of where you're applying is just a smart habit while you're certifying.

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CalJOBS also has job listings and workshop stuff but honestly most people just complete the registration requirement and move on. The resume part is the piece EDD actually checks.

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Does the work search requirement mean there's a certain number of places you have to apply each week? I've been applying like crazy but want to make sure I'm not short of some number EDD needs.

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EDD doesn't publish a specific number of contacts you need to make each week - at least nothing on their pages spells out a count. You just have to be actively looking for work and able and available to take a job each week you certify.

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Oh that's less scary than I thought, I was imagining some magic number I had to hit.

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I've heard people throw out numbers like five applications a week but that's not from EDD, that's just advice floating around online. No official count in EDD's rules.

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Something I genuinely didn't understand until my second claim - the weekly benefit amount your DE 429Z shows is the most EDD will pay you for a week of zero work. If you work part-time during a week, the first $25 or 25% of what you earned (whichever is bigger) doesn't count against you, then the rest gets subtracted from your weekly amount. So on a $387 weekly amount, if you picked up a shift and earned $150, EDD would take away $112.50 (the part over 25% of $150) and pay you $274.50. Worth knowing if you pick up any work.

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Part-time work while certifying is allowed? I didn't realize that. I thought any work meant no payment for that week.

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Only full-time work cuts off eligibility for that week entirely. Part-time you report what you earned that week - when you earned it, not when it hits your bank - and EDD runs the math. The Report Wages section in UI Online lets you log a week's earnings before you certify.

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This is the part I always messed up - reporting when I got paid instead of when I worked. Ended up having to contact EDD to fix a past week because I did it wrong. If you catch a mistake after certifying you have to reach out through UI Online message or by phone, can't fix it yourself in the system.

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Yep Report Wages only works forward - it won't let you go back and correct a week already certified. Phone or UI Online message is the only path for a past week correction.

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Taxes are another thing that changed from what people remember. Benefits are taxable income federally but California doesn't tax them at the state level. When you certify you can choose to have 10% withheld for federal, or just deal with it at tax time. EDD mails a 1099G every January and it's also in UI Online under Payments.

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I did opt into the 10% withholding when I certified, figured I'd rather not get surprised at tax time.

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Smart call. Some people think their employer was paying into unemployment for them so the benefits are pre-taxed - that's not how it works. Employers pay the UI tax, nothing comes out of your paycheck for it. The CASDI deduction you've seen on pay stubs covers disability and paid family leave, not unemployment.

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I never knew that CASDI and unemployment were separate things. I always assumed they were bundled. Good to know when people ask why they owe taxes on benefits.

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DE 429Z appeal window is something to pay attention to. Thirty days from the mailing date on that notice to appeal in writing if any of the wage information looks wrong. After that window closes you're stuck with whatever the weekly amount is.

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Mine showed up and the wages looked right from what I could check. Fingers crossed EDD pulled the correct numbers from my employers.

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If your last employer hasn't updated their wage records with EDD, the quarterly wages might not all be there yet. Worth double-checking against your own pay stubs for those four quarters.

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Had a phone interview after my layoff because there was apparently a question about whether my separation counted as a true layoff or something else. The notice DE 4800 had the date and time on it and the same info showed on my UI Online homepage. Interviewer called right at the scheduled time. Whole thing took about 15 minutes and they asked about my last day, what I was told by my employer, and whether I had any work lined up. Benefits came through about a week after.

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EDD scheduled a phone interview for me too - that's what I was most nervous about. Good to hear yours went smoothly. Did you prepare anything beforehand?

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The DE 4800 actually listed the questions likely to be covered in the interview, which helped a lot. I just went through those questions in my head and made sure I had the facts of my layoff straight.

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Missing that call is a big deal right - EDD decides from what it already has if you don't pick up?

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Exactly - if you miss it, phone EDD that same day to explain. Otherwise they just go with what they have on file and that could mean delayed or denied payments.

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Overpayment notices are where I've seen people really get tripped up when they don't report income correctly. If EDD later finds out you earned wages you didn't report during a week, they issue an overpayment and you owe it back - plus if they decide it was fraud there's a penalty on top of that. Report everything even if you think it's small.

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How does EDD find out about unreported wages? Do employers report directly to them?

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Employers report quarterly wages to EDD as part of normal payroll taxes, so yes EDD can cross-reference what you reported certifying against what your employer reported paying you. The numbers don't always match instantly but audits do happen.

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This is why I report literally every dollar even when I'm not sure if it counts. Better to report it and have EDD sort it out than get an overpayment notice six months later.

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Direct deposit versus the Money Network card - for anyone wondering, payments default to the Money Network prepaid debit card EDD issues unless you change it in myEDD. Can switch to direct deposit through your myEDD account settings. Payment info updates daily in UI Online and you can also check on 1-866-333-4606 which runs 24 hours.

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Already switched mine to direct deposit when I set up the account. Wasn't sure if one was faster than the other.

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EDD doesn't say one posts faster than the other - both tend to come through pretty quickly once a payment processes, often within 24 hours of certifying online.

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The 1-866-333-4606 line is actually useful just to check status at odd hours without trying to log into UI Online.

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My layoff came with severance - two months of pay lump summed. Filed for unemployment right away because I'd read you can file immediately even with severance, didn't want to wait. Ended up reaching a live EDD agent through Claimyr after the pending weeks sat there for over three weeks. The agent confirmed my identity verification had cleared and that the severance was noted in my file - said to report it when the certification asked about wages for the weeks it covered. Payments started moving after that call.

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Severance doesn't block you from filing right away? I assumed you had to wait until it ran out.

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Filing right away with severance is correct. EDD's rules say severance paid under a company plan isn't treated as wages for UI purposes, meaning it doesn't get used against your weekly benefit. You still report it when certifying because EDD asks, and EDD makes the final call on how it affects your specific weeks.

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That's pretty much what the agent told me too - report it as the certification asks and let EDD handle it. The key was just making sure my identity was actually verified so they could process anything at all.

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Appeal process is something I had to actually go through. Got a Notice of Determination saying EDD decided against me after my phone interview. The notice came with an Appeal Form DE 1000M. Had 30 days from the mailing date on the notice to get that in writing to the address on the form. Filed the appeal, then EDD forwarded it to the California Unemployment Insurance Appeals Board, and I eventually got a Notice of Hearing. Hearing was with an administrative law judge, testimony under oath. Important thing - kept certifying the whole time the appeal was going on.

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Why keep certifying during an appeal if EDD already said no?

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Because if the judge rules in your favor, EDD can only pay back the weeks you actually certified. Any week you skipped certifying is gone even if you win.

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I did not know that and I definitely would have stopped certifying thinking it was pointless. Good to know.

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CalFresh is worth looking into if money is tight while you're waiting on those pending weeks. Unemployment benefits count as income when you apply but you can still qualify depending on your household situation. Apply through BenefitsCal or call 1-877-847-3663. Doesn't hurt to check.

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Hadn't thought about CalFresh. My situation is tight enough that it's worth checking out, thanks for mentioning it.

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Medi-Cal and Covered California for health coverage are also worth looking at through BenefitsCal if you lost your employer coverage. Different programs but same starting point.

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2-1-1 is also a good call if you need local resources quickly - they can point you to county-specific help fast.

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Question about combined wage claims since someone mentioned working in multiple states - does that come up often? I worked a few months in another state before moving back to California. Filed just a California claim.

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If you worked in California and another state in the last 18 months, you can file a combined wage claim that counts wages from both. Has to be done by phone, fax or mail though - can't do it through UI Online. Worth a call to EDD at 1-800-300-5616 to ask about your specific situation.

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I may have left money on the table then. Called EDD and they're looking into it - couldn't get the first agent I reached to fully understand the situation so might need to try again.

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Claimyr got me to an agent who actually had time to look at my file carefully. Might help for a combined wage question that needs more than a quick answer - claimyr.com is where I went.

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Worth trying, the first call felt rushed and I'm not confident the agent had the right information in front of them.

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Nonprofit worker situation here - left a job at a 501c3 after they cut my hours to almost nothing. Had people tell me I might not qualify because nonprofits don't pay into unemployment the same way. That is not right. Nonprofits might handle funding EDD differently on the employer side but former employees file and get paid just like anyone else. My claim processed normally.

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I'd heard something similar about nonprofits and was confused. Good clarification.

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The employer's setup affects them, not the former employee's claim. EDD decides eligibility based on your wages and reason for separation - same as any other claim.

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People also say gig workers can't file which used to be more true before some things changed. For standard W2 work at any employer including nonprofits the regular process applies.

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Genuinely struggling to get anyone at EDD on the phone about an adjudication issue on my claim - the UI Online Claim History has been showing pending for five weeks on two specific weeks and I have no notice explaining why. Is this a situation where I need to wait for a DE 4800 to arrive or is there some other form I should be looking for?

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Five weeks pending with no explanation and no notice is long enough to warrant pushing harder. Try the live chat through the Help button in UI Online - available Monday to Friday 9 a.m. to 2 p.m. If that's not getting you answers either, the phone line at 1-800-300-5616 is 8 to 5 weekdays.

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Live chat has been showing unavailable every time I try during those hours, it's incredibly frustrating.

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DE 4800 would only come if EDD needs an interview about a specific eligibility question - pending weeks without a notice often just mean EDD is still working through the queue. That said five weeks is longer than typical for no movement. The Ask EDD contact form through EDD's site is another channel worth trying in writing so you have a record.

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Two of my pending weeks sat there for almost six weeks before anything happened. Eventually got through to an agent who told me the queue for my type of claim was backed up - no actual issue, just processing time. Worth verifying there's no silent identity or eligibility flag before assuming it's just delay.

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California Training Benefits is something I wish I'd known about earlier. If you're in an EDD-approved training or school program you can keep certifying without having to actively look for work, and there's a possible extension of weeks beyond the usual 26. You have to apply before your 16th week of benefits though and it's not automatic - EDD has to approve the specific training program.

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Before the 16th week - that's a pretty tight window to plan around. How do you find out what training programs EDD considers approved?

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EDD's site has information on what qualifies and you can also ask through your local America's Job Center of California - they help with job search and training referrals and can point you toward programs that meet EDD's criteria.

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AJCC offices are way more useful than I expected honestly. I went in just for the job fair and ended up getting help with my resume that actually landed me an interview.

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Coming back to the original question about 2020 versus now - the biggest thing that's different is simply that the emergency programs are gone. Regular California UI is what it's always been: base period wages set your weekly amount, 26 weeks maximum, certify every two weeks, stay available for work. In 2020 there were enormous federal additions on top of that temporary structure. Some people's memories of unemployment in 2020 are really memories of those temporary programs, not how California EDD itself works. So your experience now is actually the baseline - nothing missing, just no emergency additions.

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That's actually really helpful framing. My coworker was essentially describing a completely different program layered on top of the regular system. Makes way more sense now.

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Exactly. When those extra programs ended, people felt like something was taken away - but regular UI ran exactly the same way underneath the whole time. The $40 to $450 range, the base period, the 26 weeks - all of that predates 2020 by decades.

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Well said. Pandemic programs created a lot of confusion about what baseline UI actually looks like, and people are still unlearning some of those assumptions in 2026.

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The CalJOBS and work search requirements also came back after being waived during parts of that period. So that's another piece that feels new to people who went through it in 2020 but is actually just the standard requirement returning.

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