California Unemployment

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Ask the community...

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I've been on the Money Network card for about 7 weeks now and wanted to share my experience since this thread has been so helpful for understanding the timeline changes. Like everyone else, I was definitely spoiled by BOA's same-day deposits and the adjustment took some getting used to. My consistent pattern: Certify Sunday morning around 6:30am → UI Online shows "paid" by Monday evening → Money Network deposit hits Tuesday morning between 8:30-10:30am. Total timeline is usually 49-52 hours from certification to funds available. A couple things that made the transition smoother: 1) I set up automatic text alerts through the Money Network app so I know immediately when it processes, 2) moved my major bill due dates from Tuesday/Wednesday to Thursday/Friday to account for the new timeline, and 3) keep a small emergency buffer in my checking account to cover that extra 1-2 day gap. For anyone new to the system - the Tuesday morning timeline really is reliable once you accept it's just how Money Network operates. The batch processing approach is different from BOA's more real-time system, but it's predictable. If you absolutely need faster access, definitely look into the direct deposit option through UI Online that others have mentioned - from what I've heard it cuts about 12-24 hours off the timeline. The key is adjusting your financial planning rather than hoping the old BOA speed will somehow return. Once you get through 2-3 cycles and see the pattern yourself, it becomes much more manageable!

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This is incredibly thorough and helpful! I just received my Money Network card this week and have been feeling really anxious about the transition from what I'd heard about BOA's speed. Your detailed timeline breakdown and practical tips are exactly what I needed to hear. The idea of moving bill due dates to Thursday/Friday and keeping an emergency buffer is really smart - I hadn't thought about proactively adjusting my financial schedule like that. It's reassuring to know that after 7 weeks you've found the Tuesday morning deposits to be so reliable. I'm going to set up those text alerts right now and start planning around the 49-52 hour timeline you described. Really appreciate you taking the time to share such comprehensive advice for newcomers like me who are still figuring out this new system!

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I've been on Money Network for about a month now and can confirm what everyone's saying about the slower timeline. My pattern has been: certify Sunday morning around 7am → UI Online shows "paid" Monday afternoon → Money Network deposit hits Tuesday morning around 9-10am. It's definitely an adjustment from BOA's same-day deposits, but the consistency helps once you plan for it. One thing I learned that might help others - if you're really tight on timing for bills, you can actually check your UI Online account Monday evening to see if it shows "paid" status. Once you see that, you know the Money Network deposit will hit within 24 hours max. It gives you a bit more certainty for planning purposes even though you still have to wait for the actual funds. Also wanted to mention that I tried calling Money Network customer service once about the timing and they explained that they process unemployment deposits in overnight batches Monday night into Tuesday morning, which is why we see such consistent Tuesday morning timing. It's just how their system is designed compared to BOA's more continuous processing. The slower timeline is frustrating but at least it's predictable - just have to budget knowing Tuesday is your new "payday" instead of Sunday night!

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This is really helpful information, especially the tip about checking UI Online Monday evening for the "paid" status! I'm brand new to this whole system and just got my Money Network card a few days ago. I was getting really stressed about not knowing exactly when to expect my first payment, but your explanation about the overnight batch processing makes so much sense. It's good to know there's at least that intermediate checkpoint on Monday evening to give some peace of mind before Tuesday morning. I'm definitely going to start thinking of Tuesday as my new payday like you suggested. Thanks for sharing the details about what customer service told you too - it helps to understand it's just how their system is structured rather than random delays!

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Thanks everyone for the help! I finally figured it out. For anyone else with the same question: 1. I had to log into my SDI Online account (completely separate from UI Online) 2. Under "Form 1099" in the menu there were links to both my disability AND PFL tax forms 3. They're both 1099-NEC forms but separate documents for each claim 4. The forms just became available yesterday Hopefully this helps someone else! Now I can finally finish my taxes.

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nice! glad u got it figured out. the edd system is so confusing

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Just wanted to add that if you're having trouble accessing your SDI Online account like I did last month, you can also request paper copies of your 1099-NEC forms by calling the SDI customer service line. They can mail them to your address on file, which might be faster than trying to unlock your online account if it's been inactive. The rep I spoke with said it usually takes 5-7 business days to receive them by mail. Super helpful for those of us who need to file early!

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That's a great tip! I didn't even know you could request paper copies by calling. I've been struggling with my locked SDI account for days now. Do you happen to remember if there's a specific option to press when you call, or do you just ask to speak to a rep? I always get lost in those phone menus and end up hanging up in frustration.

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I'm so sorry you're going through this stress! I went through almost the exact same situation about 8 months ago. My employer appealed to CUIAB after I won my initial hearing, and I was absolutely panicking just like you are now. Here's what helped me get through it: The board really does focus on legal errors, not re-hearing the case. Since your judge used such strong language calling their evidence "inconsistent and unpersuasive," that's actually a really powerful factual finding. The board gave that a lot of weight in my case too. My timeline was about 10 weeks from when the employer filed the appeal to when I got the board's decision upholding my case. The employer in my situation also had zero documentation and conflicting witness statements - sound familiar? Keep certifying every two weeks religiously. I know it's scary thinking about potential overpayment, but that's exactly what you're supposed to do during appeals. Even if the worst happened (which is super unlikely based on your strong case), there are hardship waiver options. The hardest part is definitely the waiting and anxiety. Try to stay busy with job search activities and remember that you've already cleared the biggest hurdle. Most of these second appeals are really just employers trying to reduce their UI tax burden rather than having any real legal merit. Your case sounds incredibly strong - hang in there! This community has been such a lifeline for me too during stressful times like this.

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Thank you so much Fatima! Your timeline of 10 weeks is really helpful to know, and it's incredibly reassuring to hear from someone who went through almost the exact same situation just 8 months ago. The parallel between our cases is striking - the lack of documentation and conflicting witness statements really does seem to be the employer's fatal flaw here. I keep coming back to that "inconsistent and unpersuasive" language from our judge as a source of hope. You're absolutely right about staying busy with job search activities - when I'm just sitting around worrying about the appeal, it makes everything so much worse. This community really has been amazing for getting real advice and support from people who actually understand what this process is like. Thank you for taking the time to share your experience and for the encouragement - it means more than you know during this stressful waiting period!

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I completely understand your anxiety - this whole situation sounds incredibly stressful after already going through months of uncertainty! I went through something very similar about 10 months ago when my former employer appealed to CUIAB after I won my initial hearing. The good news is that your case sounds really strong. When a judge uses language like "inconsistent and unpersuasive," that's a significant credibility finding that the CUIAB board takes very seriously. They're not going to re-evaluate witness testimony or hear new evidence - they're strictly looking for legal errors in how the ALJ applied unemployment law. In my situation, my employer also lacked proper documentation and had conflicting witness accounts. The board upheld my case after about 12 weeks, noting that the judge had properly evaluated the evidence and applied the relevant unemployment statutes correctly. Definitely continue certifying every two weeks - that's exactly what you're supposed to do during the appeal process. I had the same fears about potential overpayment, but even in the unlikely event of a reversal, hardship waivers are available for people in financial distress. Most of these second-level appeals are honestly just employers trying to avoid higher unemployment insurance premiums rather than having any real expectation of winning. The statistics are heavily in your favor - the board upholds the vast majority of ALJ decisions that had strong factual foundations like yours clearly did. Try to stay focused on your husband's job search and remember that you've already cleared the biggest hurdle. The waiting is brutal, but this too shall pass!

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Thank you Gabrielle! This is so helpful and reassuring. Your 12-week timeline gives me a concrete expectation to work with, and it's really encouraging that the board specifically noted the judge had properly evaluated evidence and applied the statutes correctly - that sounds exactly like what happened in our case too. The judge seemed very thorough and professional during our hearing, so I'm hoping the board will see that too. You're absolutely right about focusing on the job search instead of just worrying about the appeal all day. When I keep my husband busy with applications and networking, it definitely helps both of us feel more productive and less anxious about this whole situation. Thank you for sharing your experience and for the reminder that the statistics are heavily in our favor - sometimes I need to hear that from people who actually lived through this process!

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Nia Davis

I'm new to this community but wanted to share my RESEA experience from last month since I see so many people going through the same anxiety I had! When I first got that notification, I literally couldn't sleep for two nights worrying about it. But honestly, it ended up being one of the most helpful conversations I've had since becoming unemployed. My counselor was incredibly patient and understanding - she could tell I was nervous and actually started by explaining that her job is to help me get back to work, not to find reasons to disqualify me. The work search review was much more casual than I expected. I had some weeks where my records were pretty sparse, and she just reminded me about keeping better documentation going forward. No penalties or threats at all. We spent most of the time talking about my career goals and she introduced me to some resources I had no idea existed - including a free resume review service and some virtual networking groups in my industry. What surprised me most was how much it felt like having a career counselor rather than being audited. The action plan we created together actually included some genuinely useful next steps, not just busy work. I walked away feeling more optimistic about my job search than I had in weeks. For anyone preparing for one of these - bring your work search records (even if they're imperfect), be ready to talk about your career goals, and definitely ask about additional resources. You might be surprised by how much help is available that you didn't know about!

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Thank you so much for sharing your experience @Nia! Your story about not being able to sleep for two nights really hits home - I think that's exactly where so many of us are when we first get that notification. It's incredible how your counselor took the time to explain that her job is to help rather than disqualify you. That must have been such a relief to hear right at the start of the appointment! I love that you mentioned it feeling like having a career counselor rather than being audited - that's such a perfect way to describe what everyone seems to be experiencing. The fact that you walked away feeling more optimistic about your job search is exactly what I'm hoping for with my own appointment. Your advice about asking about additional resources is really smart. It sounds like there are so many programs and services available that we might not know about unless we specifically ask. The free resume review service and virtual networking groups sound incredibly valuable! This community has been amazing for helping all of us reframe these appointments from something scary into an actual opportunity. Thanks for adding another positive experience to help future people who might be panicking like we all were! 😊

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I'm really glad I found this thread! Just got my RESEA notification this morning and was immediately googling "RESEA appointment what to expect" in a total panic. Reading through everyone's experiences here has been incredibly reassuring - it sounds like the anticipation is definitely worse than the actual appointment. I've been on UI for about 10 weeks now and have been doing my work search activities, but my record-keeping has been pretty hit-or-miss. Some weeks I kept detailed notes, other weeks I just jotted down company names on whatever paper was handy. Based on what everyone's shared, it sounds like I should focus on being honest about my efforts rather than trying to create perfect documentation after the fact. The tip about checking Indeed and LinkedIn application histories is brilliant - I never thought to look there but I bet I can recover a lot of details that way. Also definitely going to test my camera setup beforehand after reading about people having technical issues! What really stands out to me is how many people mentioned their counselors being genuinely helpful and connecting them with resources they didn't know existed. I'm trying to shift my mindset from "how do I survive this" to "what opportunities might this create for my job search." Thanks to everyone who shared their experiences - this community is amazing for helping navigate the EDD system. I'll definitely come back and share how my appointment goes when it gets scheduled!

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Thanks for asking this question! I was also looking for the correct mailing address. Based on what Katie shared, the address appears to be: EMPLOYMENT DEVELOPMENT DEPARTMENT PO BOX 2530 RANCHO CORDOVA, CA 95741-2530 I'd also recommend calling EDD first to confirm this is the right address for your specific situation and to ask if they have any submission options available. That way you can avoid potential delays if documents get lost in the mail. Good luck with your claim!

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Great advice about calling to confirm first! I just went through this process myself and found that EDD also has an portal for document submission in some cases, which can be much faster than mailing. If you do end up mailing, definitely use certified mail with tracking like Katie mentioned - I learned that the hard way when my first set of documents got lost. Also make sure to include your full name, SSN, and claim number on every page you send. The processing times can vary a lot depending on how busy they are, so submitting when possible really helps speed things up.

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Just wanted to add that I recently had to submit documents to EDD and found that the address Katie mentioned is correct for most employment verification documents. However, I'd strongly recommend checking your specific notice or correspondence from EDD first, as they sometimes provide different addresses depending on the type of documentation or your claim type. Also, if you're in a time crunch, consider faxing the documents if that option is available - I was able to mine and got confirmation much faster than waiting for mail delivery. The number should be listed on any notices you received from EDD. Make sure to keep copies of everything you send and get that tracking number like others mentioned. EDD can be really slow to process things, so having proof of delivery is essential if you need to follow up later.

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This is really helpful advice! I'm new to dealing with EDD and wasn't sure about the best way to submit documents. The tip about checking the specific notice for different addresses is something I wouldn't have thought of. I'm curious - when you faxed your documents, did you get an immediate confirmation that they received them, or did you have to follow up to make sure they actually processed everything? I'm worried about documents getting lost in their system regardless of how I send them. Also, does anyone know if there's a way to check if your submitted documents have been reviewed?

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