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

May 20, 2026

File CA SDI Claim

Should file within 49 days of disability start

May 21, 2026

± 7 days

May 21, 2026

1 days

EDD Initial Processing

EDD reviews claim and may request documents

May 28, 2026

± 21 days

May 28, 2026

14 days

Doctor License Verification

EDD verifies your doctor's medical license

Jun 11, 2026

± 5 days

Jun 11, 2026

10 days

First EDD Payment

Critical

Expected date of first CA SDI payment

Jun 21, 2026

± 30 days

Sick Bank Exhausted (Typical)

When most pilots exhaust sick and DSA banks

Jul 4, 2026

± 30 days

Hartford Offset Applied

Critical

Hartford begins reducing LTD by expected SDI amount

Jul 4, 2026

± 15 days

EDD Filing Deadline

Critical

Must file SDI claim within 49 days of disability start

Jul 8, 2026

Hartford Appeal Deadline

Critical

6 months to appeal Hartford offset decision

Nov 16, 2026

Critical Deadlines

Last Day Worked

May 20, 2026

0 days

First EDD Payment

Jun 21, 2026

32 days

Hartford Offset Applied

Jul 4, 2026

45 days

EDD Filing Deadline

Jul 8, 2026

49 days

Hartford Appeal Deadline

Nov 16, 2026

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.