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I'm going through something similar right now! One thing I learned is to document EVERYTHING - dates you called, who you spoke with, reference numbers, etc. I started keeping a spreadsheet because the reps sometimes give conflicting info. Also, if they determine you do owe money, don't ignore it even if you can't pay right away. They can garnish wages and tax refunds, so it's better to work out a payment plan. The whole process is super stressful but you'll get through it! 🤗
Yes! The documentation tip is so important! I wish someone had told me that from the beginning. I lost track of who said what and it made everything so much more confusing. A spreadsheet is actually genius - I'm definitely stealing that idea for my own situation. And you're absolutely right about not ignoring it even if you can't pay. The penalties and interest just keep adding up if you don't address it. Thanks for sharing your experience! 📝
I just went through this exact situation a few months ago! The most important thing is to stay organized and persistent. When you call SDI, have your case number, Social Security number, and the overpayment notice in front of you. If you can't get through on the phone (which is super common), try sending a written appeal or inquiry by mail - sometimes that gets better results. Also, don't be afraid to ask for a supervisor if the first person you talk to isn't helpful. The whole process is frustrating but definitely manageable if you stay on top of it. You've got this! 💪
Guys, don't forget to check if you qualify for any of the extended benefit programs. With all the COVID stuff, there might be additional help available.
Hey Emily! Just wanted to add that when you do file your new claim, make sure you don't have any gaps in your certification weeks from your old claim. If you missed any weeks, you might need to address that first before filing the new one. Also, keep in mind that there's usually a one-week waiting period for new claims, so plan accordingly. The whole process can take a few weeks to get your first payment, so don't panic if it's not immediate. Good luck with everything!
Just wanted to add one more important thing about California unemployment benefits - if you have any severance pay or vacation payout when you're let go, this can delay when your benefits start. EDD considers this "wages in lieu of notice" and you have to wait until that period would have ended before benefits kick in. So if you get 2 weeks severance, your unemployment won't start until after those 2 weeks are up. This caught me off guard when I filed my claim last year. Something to keep in mind when you're doing your financial planning!
Oh wow, I had no idea about the severance pay delay! That's really important to know. My company does offer severance packages, so if I do get let go I'll need to factor that waiting period into my budget planning. Thanks for the heads up - this is exactly the kind of detail I wouldn't have thought to ask about but could really mess up my finances if I wasn't prepared for it.
As someone who's been through the EDD process twice (once in tech, once in retail management), I wanted to share a few practical tips that might help you prepare: 1. **Apply immediately** when you're terminated - there's a one-week waiting period before benefits start, so don't delay filing even if you think you might find work quickly. 2. **Keep your final paystub and separation notice** - EDD will ask for this information and having it ready speeds up the process. 3. **Set up direct deposit** when you file - getting a debit card in the mail takes longer and the cards sometimes get lost or delayed. 4. **File early in the week** (Monday/Tuesday) if possible - if there are any issues with your claim, you'll have more time to resolve them before the weekend. Your income definitely qualifies you for the maximum $450/week. The waiting period after severance that Keisha mentioned is real - I had to wait 3 weeks after my severance period ended before my first payment. Plan accordingly! The whole process took about 3 weeks total for me the first time (no issues), but 6 weeks the second time due to employer contest. Good luck with everything - hopefully your performance improves and this becomes a non-issue!
This is incredibly helpful, thank you Charlotte! The timing advice about filing early in the week is something I never would have thought of. And good point about direct deposit vs the debit card - I've heard horror stories about those EDD cards getting stolen from mailboxes. Really hoping my performance turns around and I don't need to use this information, but I feel so much more prepared now thanks to everyone's advice. It's scary going from 5k/month to potentially $450/week, but at least I know what to expect and how to navigate the system if it comes to that. One last question - if I do get terminated and file, is there any benefit to having a lawyer review my separation documentation, or is that overkill for a standard performance-based termination?
Update: My payment finally showed up in my account this morning! So it took about 3-4 business days from when it showed 'paid' in the system. Definitely longer than the card payments used to take. Thanks everyone for the help and reassurance!
Great news! And yes, this is normal for the first direct deposit. Your future payments should arrive more quickly now that your banking information is verified in their system. Typically, direct deposits will be in your account within 1-2 business days after certification once everything is established.
Glad to hear your payment came through! This is such valuable information for others going through the same switch. I've been thinking about switching from the Money Network card to direct deposit myself, but was worried about potential delays. Your experience confirms what others have said - there's an initial delay for the first payment but then it becomes more reliable. Did you notice any other differences between the card and direct deposit, like timing of when payments typically arrive each week?
Hey Anna! Good question about the timing differences. With the Money Network card, my payments would always hit on Wednesdays like clockwork - usually around 6-7 AM. Now with direct deposit, this first payment came through on a Friday morning, but I'm hoping future payments will be more predictable. From what others have shared here, it sounds like direct deposit payments typically arrive within 1-2 business days after certification once the initial setup is complete. I'll definitely update if I notice any patterns with the timing going forward! The peace of mind of having it go straight to my main bank account is worth the initial uncertainty though.
AaliyahAli
Just to give you some hope - I won my appeal after waiting about 8 weeks for the hearing. Once the decision was made in my favor, I received all my backpay for the weeks I had been certifying during the wait within 3 business days. It was a huge relief. The judge was very fair and listened carefully to my explanation. As long as you have documentation and tell the truth, you have a good chance, especially for work search related disqualifications which are often misunderstandings.
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Theodore Nelson
•Thank you for sharing your positive outcome! That gives me some hope. I've been diligent about my work search and have documentation of everything, so hopefully the judge will see that there was just a misunderstanding.
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Mohammad Khaled
I'm currently waiting for my appeal hearing date too - filed my appeal about 6 weeks ago and got the acknowledgment letter 3 weeks ago. From what I've learned talking to others who've been through this, the wait times are all over the place right now. Some people get their hearing scheduled within a month, others wait 3+ months. It really depends on which office is handling your case and their current backlog. A few things that have helped me while waiting: I set up a dedicated folder for all EDD paperwork, I'm keeping a detailed log of everything (dates, phone calls, letters received), and I found a local legal aid clinic that offers free consultations for unemployment appeals. Even if you don't need a lawyer, they can review your case and give you tips on what evidence to focus on. The hardest part is the financial stress while waiting. I've had to get creative with side income - selling stuff I don't need, doing odd jobs for neighbors, etc. But everyone I've talked to who had legitimate cases and good documentation ended up winning their appeals. Hang in there!
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Oliver Becker
•Thank you for all those practical tips! I hadn't thought about contacting a legal aid clinic - that's a really good idea even just for peace of mind. It sounds like you're handling the waiting period really well. I've been so focused on stressing about the timeline that I haven't been as organized as I should be. I'm going to set up that dedicated folder system tonight and start keeping better records of everything. The side income idea is smart too - I've been hesitant to do gig work because I wasn't sure if it would affect my appeal, but it sounds like as long as I report it properly when certifying, it should be fine?
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