Claim Timeline

Visualize your expected timeline based on your disability start date and filing method.

Your Situation

Disability Start Date Usually your last day worked

Filing Method Mail adds ~2 weeks; In-person may be faster

Online

Mail

In-Person

I live in California

Legend

EDD Process

Hartford LTD

Personal

Deadline

Upcoming Deadlines

Expected Timeline

Last Day Worked

Critical

Your disability start date for most purposes

Jul 16, 2026

File CA SDI Claim

Should file within 49 days of disability start

Jul 17, 2026

± 7 days

Jul 17, 2026

1 days

EDD Initial Processing

EDD reviews claim and may request documents

Jul 24, 2026

± 21 days

Jul 24, 2026

14 days

Doctor License Verification

EDD verifies your doctor's medical license

Aug 7, 2026

± 5 days

Aug 7, 2026

10 days

First EDD Payment

Critical

Expected date of first CA SDI payment

Aug 17, 2026

± 30 days

Sick Bank Exhausted (Typical)

When most pilots exhaust sick and DSA banks

Aug 30, 2026

± 30 days

Hartford Offset Applied

Critical

Hartford begins reducing LTD by expected SDI amount

Aug 30, 2026

± 15 days

EDD Filing Deadline

Critical

Must file SDI claim within 49 days of disability start

Sep 3, 2026

Hartford Appeal Deadline

Critical

6 months to appeal Hartford offset decision

Jan 12, 2027

Critical Deadlines

Last Day Worked

Jul 16, 2026

0 days

First EDD Payment

Aug 17, 2026

32 days

Hartford Offset Applied

Aug 30, 2026

45 days

EDD Filing Deadline

Sep 3, 2026

49 days

Hartford Appeal Deadline

Jan 12, 2027

180 days

Timeline Estimates

These timelines are estimates based on typical processing times. Actual timelines can vary significantly based on EDD workload, completeness of your application, and other factors.