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I'm so sorry you're going through this - what a terrible time to discover these coverage gaps! I'm a newer teacher too and honestly had no idea about the SDI eligibility issues until reading this thread. It's scary to realize how many of us could be in this situation. One thing I wanted to add that might help - have you checked if your district offers any flexible spending account (FSA) or health savings account (HSA) options that you might be able to use for medical expenses? I know it doesn't replace income, but every little bit helps when you're dealing with unexpected costs. Also, I saw someone mention the California Teachers Association earlier - they also have a Members Benefits department that sometimes knows about resources that aren't widely publicized. Might be worth a call even if you're not a full member. The support and knowledge sharing in this thread has been incredible. It really shows how we need to look out for each other in this profession. Wishing you all the best as you work through these options, and please keep us updated! 💙
Thank you for bringing up the FSA/HSA angle! You're absolutely right that every little bit helps with medical expenses, and I hadn't thought about whether I could tap into any existing accounts. I'll definitely check what options my district offers - even if it doesn't replace income, reducing out-of-pocket medical costs would be huge right now. The CTA Members Benefits tip is really smart too. I keep learning about all these different departments and resources within organizations I thought I already knew about. It's amazing how much support exists that just isn't well-communicated to us. This whole thread has been such an education in navigating the system. Thank you for adding more helpful suggestions to this incredible collection of advice! 🙏
I'm so sorry you're going through this - it's such a shock when you discover these coverage gaps! I'm a newcomer here but have been following this thread and I'm amazed by all the helpful resources everyone has shared. As someone who works in benefits administration (not in education, but I see similar issues in other sectors), I wanted to add one more angle that might be worth exploring: check if you have any whole life insurance policies through your district or previous employers that might have accelerated death benefit riders. Sometimes these can be accessed for serious medical conditions even if they're not terminal. It's not common knowledge but could provide some financial relief. Also, since you mentioned you're dealing with a health condition, don't forget to look into whether you qualify for any medical expense deductions on your taxes - it won't help immediately but could provide some relief next filing season. The amount of support and practical advice in this community is incredible. Wishing you strength as you work through all these options! 💙
This has been such an incredibly helpful thread! I'm 24 weeks pregnant and was completely overwhelmed by the EDD process until I found this discussion. Like so many others here, I was confused about when to apply and thought I needed to do everything at once. The breakdown everyone provided about SDI first (form DE2501 for pregnancy disability) then PFL later (form DE2508 for baby bonding) has totally cleared things up for me. I love that @MoonlightSonata mentioned the automatic transition option - that sounds like exactly what I'll need! I'm definitely going to follow all the great advice here: create my online account now, talk to my doctor's office about their EDD submission process, keep a calendar of deadlines, and take photos of everything. The tip about text notifications is brilliant too - every little bit helps when you're dealing with pregnancy brain! One thing I'm curious about - has anyone here used the online system exclusively, or did some of you end up needing to mail in paper forms? I'm hoping to keep everything digital if possible since I tend to lose track of physical paperwork these days. Thank you all so much for sharing your real experiences. This community support is exactly what expecting parents need when navigating these confusing government systems! 💕
Hi @Rebecca Johnston! I'm also new to this community and have been following this thread religiously - it's been such a lifesaver! I'm only 20 weeks pregnant but wanted to get ahead of understanding this whole process. To answer your question about online vs paper forms - I haven't been through it yet myself, but my coworker just completed this process last month and she did everything online through the EDD website. She said it was actually pretty straightforward once you have your account set up, and she liked being able to track the status of her claims digitally. Her doctor also submitted everything electronically on their end, which she said made the whole process much smoother. I'm planning to go the all-digital route too when my time comes. From what I've read in this thread, it seems like the online system has gotten better over the years, and you avoid the risk of things getting lost in the mail. This whole discussion has been amazing - I've learned more here in 30 minutes than I did reading the official EDD website for hours! Going to start my online account this week and have that conversation with my doctor's office like everyone suggested. Thanks to all the experienced moms who've shared such detailed advice! 🙏
This thread is incredibly helpful! I'm 29 weeks pregnant and was totally confused about the EDD timing until reading everyone's experiences here. My HR department gave me conflicting information, so getting real advice from people who've actually been through this process is invaluable. I love the detailed step-by-step breakdown everyone provided - SDI first for pregnancy disability (form DE2501), then PFL for baby bonding (form DE2508). The automatic transition option that @MoonlightSonata mentioned sounds perfect, and I'm definitely going to set up my online account this week. Quick question for those who've done this recently - when you applied for SDI, did you need any specific documentation beyond what your doctor provides? I want to make sure I have everything ready to avoid delays. Also, has anyone had experience with this process if you're planning to take the full 12 weeks of CFRA leave after your PFL ends? Thanks to everyone for sharing such practical advice. This community is amazing for cutting through all the confusing official guidance and getting real answers! 🙏
Hi @Bethany Groves! Welcome to the community! I'm also expecting (22 weeks) and have been following this thread closely - it's been such a game changer for understanding this confusing process! From what I've gathered from everyone's experiences here, for the SDI application you typically just need your basic personal/employment info and then your doctor handles the medical certification piece. Most people mentioned that the doctor's portion is what can cause delays, so definitely have that conversation with your OB's office early like others suggested. Regarding CFRA after PFL - that's a great question! From my understanding, CFRA runs concurrently with your state benefits (SDI/PFL) for the first 16 weeks, then you'd have additional unpaid CFRA time if needed. But I'd definitely double-check with your HR department since CFRA is job protection and SDI/PFL are wage replacement - they work together but are separate systems. This thread has been absolutely invaluable - way better than trying to decode the official websites! Thanks to everyone who's shared their real experiences. It's so reassuring to hear from people who've actually navigated this maze successfully! 💕
Has anyone tried contacting their local representative? I've heard sometimes they can help speed things up with EDD.
I'm going through the exact same thing right now - applied 5 weeks ago and haven't heard a peep from them. It's so stressful not knowing what's happening with your application. I've been checking my bank account daily and refreshing the EDD portal constantly. Reading through these comments is actually really helpful though - I had no idea about contacting local representatives or that there were services to help get through on the phone. Definitely going to try some of these suggestions. Thanks everyone for sharing your experiences, at least now I know I'm not alone in this nightmare! 😩
I'm dealing with almost the exact same Kaiser situation right now! My baby is 2 weeks old and I've been going in circles with this supplemental certification thing. What finally worked for me was calling Kaiser's central appointments line and saying "I need to speak with someone about completing EDD State Disability paperwork - specifically form DE2501." They transferred me to what they called the "Disability Services Unit" and those people actually knew what I was talking about! The person I spoke with explained that Kaiser doctors often submit their own internal disability notes, but EDD has very specific requirements for their DE2501 form that need to be filled out exactly right - things like specific diagnosis codes, exact dates when you became unable to work, and detailed treatment plans. She told me to bring both the EDD notification letter AND a printed copy of the blank DE2501 form to my next appointment, then sit there while my doctor fills it out completely. Don't leave until you see them submit it through the right system! For your husband's PFL timing - we're planning the exact same thing! He's taking 2 weeks right after birth, then saving the other 6 weeks for when I go back to work in a few months. The EDD rep I spoke with confirmed this is totally allowed as long as it's within 12 months and split into no more than 2 periods. Hang in there - the paperwork nightmare does eventually get sorted out! 💙
This is so helpful! I'm also dealing with Kaiser and EDD paperwork confusion right now. The "Disability Services Unit" sounds like exactly what I need - I've been getting transferred around to different departments and nobody seems to understand what EDD actually wants. I love the tip about bringing both the EDD notification AND the blank DE2501 form to the appointment and staying there while the doctor fills it out. That's such a smart way to make sure it gets done right the first time instead of having to go back and forth multiple times. It's also really reassuring to hear that so many couples are successfully using the flexible timing for dad's bonding leave. The ability to split it into 2 periods within 12 months seems like such a practical feature - it makes way more sense than forcing everyone to take it immediately when there might be other family or work considerations. Thanks for sharing your experience with the specific Kaiser department name and approach. I'm definitely going to try calling and asking for the "Disability Services Unit" tomorrow!
I'm going through this exact Kaiser/EDD paperwork mess right now too! Just had my baby 3 weeks ago and I'm still waiting for my SDI benefits because of missing documentation. What I've learned from calling around is that you need to ask Kaiser specifically for their "Medical Review Department" - they handle all third-party medical forms including EDD paperwork. Regular OB offices and even some disability coordinators don't always know the specific EDD requirements. When you call, be super specific: "I need form DE2501 completed for California State Disability Insurance, and EDD has requested supplemental medical certification." Then email them the exact notification you received from EDD so they can see what's missing. Also, definitely push for an in-person appointment to get this done rather than trying to handle it over the phone. I wasted 2 weeks trying to explain what was needed via phone calls before finally going in person with all the paperwork. For your husband's PFL - that flexibility is amazing! We're doing something similar where he took 1 week initially and is saving the other 7 weeks for when I go back to work. Just make sure he keeps good documentation of when he notifies his employer about the timing changes. This whole system is so unnecessarily complicated for new parents who already have enough to deal with! But you'll get through it - just be persistent with Kaiser about getting the right people involved. Good luck! 🍀
Thank you so much for this advice! The "Medical Review Department" sounds like another good option to try. I'm realizing there are several different specialized departments at Kaiser that handle EDD paperwork, and the key is getting to the right one instead of going through regular channels. I really appreciate the tip about pushing for an in-person appointment rather than trying to handle everything over the phone. That makes total sense - it's so much easier to sit there with all the paperwork and make sure everything gets filled out correctly rather than trying to explain what's needed through multiple phone calls. It's frustrating that the system is so complicated when new parents are already dealing with so much, but hearing everyone's success stories gives me hope that I'll get this sorted out soon. I'm going to try calling Kaiser's Medical Review Department tomorrow and push for an in-person appointment with all my EDD documentation in hand. Thanks for the encouragement - persistence seems to be the key with both Kaiser and EDD! 🍀
Noland Curtis
I went through this exact same situation in 2023! Yes, you definitely need to file a completely new PFL claim since you returned to work between your disability and baby bonding. The key thing to remember is that pregnancy disability (SDI) and baby bonding (PFL) are two separate programs, even though they're both through EDD. A few tips from my experience: - File online through your EDD account - it's much faster than paper - You'll need your baby's birth certificate as proof of relationship - Make sure your last day worked date matches what your HR will report - You can file up to 30 days before your start date, so you should be fine for next week Don't worry about the disconnected calls - EDD phone system is notorious for that. The online application is actually pretty straightforward once you get started. Just make sure to select "bonding with new child" and not "caring for family member" when filling it out. Good luck!
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Summer Green
•This is exactly what I needed to hear! Thank you for breaking it down so clearly. I was getting overwhelmed with all the different information I was finding online. Just to confirm - when you say "last day worked date," that would be the day before I start my bonding leave (so this Friday if I'm starting Monday), not my last day before going back to work after disability, right? I want to make sure I get this right since everyone's emphasizing how important that date is!
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AstroAdventurer
I just went through this same process in December 2024! You absolutely need to file a new PFL claim since you returned to work between your disability and baby bonding. I was in the exact same boat - disability from September to November, back to work briefly, then wanted to take my bonding time. Here's what worked for me: File online through your EDD portal ASAP since you're starting Monday. You'll need your baby's birth certificate uploaded as proof of relationship. The application asks specifically if this is for "bonding with new child" - make sure you select that option, not caregiving. One thing that tripped me up initially - your "last day worked" should be this Friday (the day before your bonding leave starts), not the last day you worked before going back after disability. EDD is super picky about this date matching what your employer reports, so double-check with HR. The good news is they'll backpay from your actual start date once approved, even if there's a processing delay. My approval took about 8 days and I got paid for all days from when I actually started my leave. Don't stress too much - the online process is way easier than trying to get through on the phone!
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NebulaNinja
•This is incredibly helpful, thank you! I was getting so stressed about potentially missing something important. Just to make sure I understand correctly - when I file the new claim online, I should select "bonding with new child" and put this Friday as my last day worked, then Monday as my leave start date? And I'll need to upload a copy of my baby's birth certificate during the application process? I really appreciate everyone taking the time to help me figure this out - the EDD system can be so confusing when you're trying to navigate it for the first time!
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