Ca Unemployment Insurance Code: Edd & Benefits

The California Unemployment Insurance Code (CUIC) constitutes the legislative framework; the framework governs unemployment insurance benefits within California. The Employment Development Department (EDD) is tasked with administering the code. California legislature enacts and amends this code. California Code of Regulations (CCR) provides additional regulatory guidance. This body of law aims to offer temporary financial aid to workers; workers who are unemployed through no fault of their own, it ensures economic stability.

Alright, let’s dive into the wild world of California’s Unemployment Insurance (UI) system! Think of this blog post as your trusty map and compass as you navigate this often-confusing landscape. Whether you’re a worker who’s suddenly found themselves out of a job or an employer trying to keep your business afloat, understanding this system is absolutely crucial.

What is Unemployment Insurance?

Imagine a safety net, a financial cushion that catches you when you stumble. That’s essentially what Unemployment Insurance is. It’s designed to provide temporary financial assistance to eligible workers who lose their jobs through no fault of their own. It helps keep the lights on and food on the table while you search for your next opportunity.

Meet the EDD: Your Guide in the UI Maze

Now, let’s talk about the California Employment Development Department, or EDD for short. Think of them as the official navigators of this UI system. They’re the ones who process claims, determine who’s eligible for benefits, and distribute those much-needed payments. They’re also the folks who collect unemployment taxes from employers. They are a crucial part of the UI system.

The CUIC: The Law of the Land

Finally, we have the California Unemployment Insurance Code, or CUIC. This is the rulebook, the governing law that dictates how the whole UI system operates. It covers everything from eligibility requirements to employer responsibilities. Knowing the CUIC is like knowing the secret code to unlock the mysteries of unemployment insurance.

So, buckle up, because we’re about to embark on a journey through California’s Unemployment Insurance system. By the end of this post, you’ll have a much clearer understanding of how it all works, who the key players are, and how to navigate it successfully.

The EDD: California’s Unemployment Insurance Headquarters!

Alright, let’s talk about the EDD – the California Employment Development Department. Think of them as the Grand Central Station of unemployment benefits in the Golden State. They’re the folks in charge of making sure that UI (Unemployment Insurance) benefits get to those who need them. But it’s more than just writing checks. They’re also the tax collectors for unemployment insurance and play referee in eligibility disputes. Let’s pull back the curtain and see what the EDD does, and how it interacts with you, whether you’re claiming benefits or running a business.

EDD’s Many Hats: Responsibilities Breakdown

The EDD is the backbone of California’s Unemployment Insurance system, and here’s what their workday looks like:

• Processing Unemployment Claims: This is their bread and butter. The EDD receives applications from newly jobless folks, gets the ball rolling, and then starts moving toward a decision.

• Determining Eligibility for Benefits: Not everyone automatically gets benefits. The EDD investigates each claim to make sure the applicant meets the requirements under the California Unemployment Insurance Code (CUIC). Did they lose their job through no fault of their own? Are they actively looking for work? The EDD checks all the boxes.

• Distributing Benefit Payments: Once eligibility is confirmed, the EDD sends out those much-needed UI payments, either through debit cards or direct deposit. Think of them as the UI money fairy, but with a whole lot more paperwork.

• Collecting Unemployment Taxes from Employers: The EDD is also Uncle Sam (or, uh, Uncle California) when it comes to collecting unemployment taxes. These taxes, paid by employers, fund the entire UI system.

• Auditing Employers for Compliance: To keep everyone honest, the EDD audits employers to ensure they’re paying the correct unemployment taxes and following all the rules. Nobody likes an audit, but hey, it’s part of the process!

The EDD and Claimants: A Two-Way Street

If you’re out of work and need to file for unemployment, you’ll be interacting with the EDD quite a bit. Here’s how that goes down:

• Application Process and Required Documentation: You’ll typically start by filling out an application online (or, if you’re feeling old-school, by mail). You’ll need to provide info like your Social Security number, driver’s license, employment history, and why you lost your job.

• Communication Methods: The EDD mainly talks to claimants through their online portal (UI Online). You can also reach them by phone or mail. The key is to check your online account regularly, as important notices and requests are often sent electronically.

• Potential Issues and How to Resolve Them: Sometimes things don’t go smoothly. Maybe the EDD needs more information, or there’s a question about why you left your job. The best approach is to respond promptly and clearly to any requests from the EDD. If you disagree with a decision, you have the right to appeal (more on that later!).

The EDD and Employers: Partner or Foe?

Employers also have a significant relationship with the EDD, whether they like it or not:

• Tax Obligations and Reporting Requirements: Employers are responsible for paying unemployment taxes based on their payroll and “experience rating” (a fancy term for how often their former employees file for unemployment). They must also file regular reports with the EDD.

• Responding to Unemployment Claims: When a former employee files for unemployment, the EDD will notify the employer. The employer has the opportunity to provide information about why the employee was separated. This is crucial, as it can affect whether the claim is approved.

• Appealing Benefit Charges: If an employer believes a former employee’s claim was wrongly approved, they can appeal the decision. If the appeal is successful, the employer’s unemployment tax rate might not go up as much.

Decoding the CUIC: The Law Behind Unemployment Insurance

Ever wondered what’s really going on behind the curtain when it comes to California’s Unemployment Insurance (UI)? Well, pull up a chair, because we’re about to crack the code on the California Unemployment Insurance Code, or as we like to call it, the CUIC (try saying that five times fast!). Think of the CUIC as the ultimate rulebook for everything UI-related in the Golden State. It’s not exactly beach reading, but understanding it can save you a major headache down the line.

The CUIC serves as the state’s comprehensive set of laws, offering a detailed roadmap for navigating unemployment insurance. It outlines precisely who gets benefits, why someone might be denied, how much dough you can expect, and even what employers owe. Seriously, it covers everything. Without the CUIC, California’s unemployment system would probably resemble a chaotic food fight.

Key Provisions: The Nitty-Gritty

The CUIC isn’t just one big blob of legal jargon. It’s broken down into specific sections, each tackling a critical aspect of unemployment insurance. Let’s peek at some of the heavy hitters:

• Eligibility Requirements: This section spells out who qualifies for those sweet, sweet unemployment checks. Think work history, reason for job loss (no blaming the office stapler for your resignation), and your availability to actually look for work.
• Disqualification Criteria: Uh oh, trouble in paradise. This part lists the reasons why the EDD might slam the door on your benefits. Examples? Quitting without a really good reason, getting fired for serious misconduct, or turning down a suitable job offer.
• Benefit Amounts and Duration: Okay, now we’re talking! Here’s where the CUIC lays out how much money you can get each week and for how long. It’s not a get-rich-quick scheme, but it’s designed to help you bridge the gap between jobs.
• Employer Tax Obligations: This is the CUIC’s way of talking to the bosses. It details how employers pay into the system, ensuring there’s money in the pot for everyone who needs it.
• Appeals Process: Denied? Don’t despair! This section explains how to fight back if you think the EDD got it wrong. It’s your chance to present your case and maybe, just maybe, turn the tables.

How the CUIC Comes to Life: The State Legislature’s Role

So, who’s the mastermind behind the CUIC? None other than the California State Legislature. These elected officials are responsible for creating the CUIC and, just as importantly, changing it as needed. Think of it like this: laws aren’t set in stone; they evolve to keep up with the times.

The Legislature is constantly tweaking the CUIC to address new challenges, reflect changes in the economy, and generally make sure the system is fair (or at least as fair as possible). These legislative changes can have a big impact on both employers and workers, so it’s crucial to stay informed about what’s happening in Sacramento.

California Unemployment Insurance: It Takes a Village (and a Whole Lot of Acronyms!)

Navigating the world of California Unemployment Insurance (UI) can feel like trying to understand the rules of a game you just walked into halfway through. It’s not just the EDD you’re dealing with. There’s a whole cast of characters and entities that play crucial roles in this system. Let’s break down the lineup and get to know who’s who.

The Referee: California Unemployment Insurance Appeals Board (CUIAB)

Think of the CUIAB as the ultimate referee when there’s a disagreement about your unemployment claim. If you or your employer disagree with a decision made by the EDD, you can appeal to the CUIAB. They hold hearings, review evidence, and make a final determination. This process can be a game-changer, impacting whether you receive benefits or if an employer’s account gets charged.

The Rulemakers: California State Legislature

These folks are the ones who write (and rewrite!) the rules of the game. The California State Legislature is responsible for creating and amending the California Unemployment Insurance Code (CUIC). Any time you see changes to eligibility requirements, benefit amounts, or employer obligations, it’s likely because the legislature has been at work. These legislative changes ripple through the entire UI system, affecting everyone.

The Big Boss: U.S. Department of Labor (USDOL)

The USDOL is like the overseer of all state unemployment programs. They provide funding, guidance, and make sure California (and other states) are playing by the federal rules. While the EDD runs the day-to-day operations, the USDOL sets the standards and keeps an eye on things from a national perspective.

The Players: Employers

Employers aren’t just sitting on the sidelines; they’re active participants in the UI system. They have obligations under the CUIC, including paying unemployment taxes and responding to claims filed by former employees. Employers also have the right to appeal benefit charges if they believe a claim is unwarranted.

The Players: Workers/Claimants

That’s you, the person seeking unemployment benefits. You have the right to apply for benefits if you meet the eligibility requirements. You also have responsibilities, like being ready, willing, and able to work. Your rights also include the right to appeal if your application is denied.

The Legal Eagles: Legal Professionals (Attorneys, Advocates)

Need help navigating the complexities of the UI system? That’s where attorneys and advocates come in. They can represent both employers and claimants, providing legal advice and guidance, and helping to resolve disputes.

The Coordinator: California Labor & Workforce Development Agency (LWDA)

The LWDA is like the team captain, overseeing the EDD and other related departments. It’s responsible for developing policies, coordinating programs, and ensuring that California’s workforce development efforts are aligned.

The Final Word: California Courts

If all else fails, the California courts can get involved. They provide judicial review of CUIAB decisions, meaning they can overturn or modify those decisions if they find them to be legally flawed. Court cases can set precedents that affect how unemployment insurance is interpreted and applied in the future.

Eligibility: Are You Qualified for Unemployment Benefits?

So, you’ve found yourself unexpectedly unemployed in the Golden State and are wondering if you qualify for unemployment benefits? Don’t worry, you’re not alone! Let’s break down the requirements in plain English, so you know where you stand. Think of it as deciphering a secret recipe – once you know the ingredients, you’re golden!

The “Secret Recipe”: Qualifying Conditions for Benefits

To even be considered for those sweet, sweet unemployment checks, you’ve gotta meet a few key requirements. It’s like needing to be this tall to ride the roller coaster of financial assistance.

• Sufficient Work History: First, you need to have a solid work history under your belt. The EDD wants to see that you’ve been a contributing member of the workforce. There is specific wage requirements during a base period.
• Job Separation Through No Fault of Your Own: This is a biggie! You generally need to have lost your job through no fault of your own. What does that mean? Layoffs? Totally fine. Company downsizing? Absolutely. But if you quit voluntarily without good cause, or were fired for misconduct, you might be in trouble.
• Ability and Availability to Work: You can’t just kick back and binge-watch Netflix (as tempting as that sounds!). You need to be able and available to accept suitable work. That means you’re physically and mentally capable of working, and you’re ready and willing to take a job if one comes your way.
• Actively Seeking Employment: The EDD wants to see that you’re actively pounding the pavement (or, more likely, scrolling through job boards). You’ll need to document your job search efforts to show that you’re serious about finding new employment. Keep track of where you’ve applied and any contacts you’ve made!

Uh Oh! Common Reasons for Disqualification

Now, here’s where things can get a bit tricky. Even if you meet the basic qualifying conditions, there are a few common reasons why your claim might get denied. These are the potential pitfalls to watch out for:

• Voluntary Resignation Without Good Cause: So, you quit your job because your boss was annoying, or the commute was terrible? While those are definitely valid reasons to want to quit, they might not be considered “good cause” in the eyes of the EDD. “Good cause” typically involves situations like unsafe working conditions, harassment, or a significant change in your job duties.
• Termination for Misconduct: Getting fired for consistently showing up late, stealing office supplies, or engaging in other forms of misconduct? That’s likely to disqualify you from receiving benefits.
• Refusal to Accept Suitable Work: The EDD expects you to be open to accepting suitable work. That doesn’t necessarily mean you have to take the first job that comes along, but you can’t turn down offers for positions that are similar to your previous role and pay a comparable wage.

Don’t Shoot Yourself in the Foot: Accurate and Timely Claim Filing

Finally, remember that accuracy and timeliness are key! Be honest and thorough when filling out your application, and make sure to submit it by the deadline. A little attention to detail can go a long way in avoiding unnecessary delays or denials. Think of it as proofreading your resume before sending it out – you want to put your best foot forward!

Step-by-Step: Navigating the Unemployment Claims Process

So, you’ve found yourself needing to file for unemployment in the Golden State? Don’t worry, you’re not alone, and we’re here to walk you through the maze. Think of this as your trusty map and compass. We’ll cover everything from that first click to that potential (but hopefully unnecessary) phone call. Let’s get started!

The Initial Application: Clicking Your Way to Benefits

The main way to apply these days is online through the EDD’s website. Think of it as setting up any other online account – except this one could actually put some money back in your pocket! While the EDD encourages online applications, you might also be able to apply by phone or mail depending on your circumstances. However, applying online is generally the quickest and most efficient method.

First, you’ll need to create an account. This will involve providing some basic information and setting up a username and password. Remember to write these down somewhere safe! Once your account is created, you can start the application. Be prepared to spend a bit of time on this – grab a coffee, put on some tunes, and get ready to fill out those fields.

Gather Your Arsenal: Required Documentation and Information

Before diving into the application, gather all the necessary documents and information. This will make the process much smoother and prevent any annoying delays. Here’s what you’ll need:

• Social Security number: It’s like your golden ticket to, well, everything.
• Driver’s license or other identification: Proof that you are who you say you are.
• Employment history for the past 18 months: Details about all your employers, including names, addresses, dates of employment, and contact information. Accuracy is key here.
• Reason for separation from each employer: This is a biggie. Be honest and clear about why you left or were let go from each job.

Having all this ready beforehand will save you a ton of time and potential headaches.

The Dreaded Interview: Phone Calls and Potential Pitfalls

Okay, so you’ve submitted your application. Now what? Well, the EDD might want to chat with you to clarify some things. This usually takes the form of a phone interview with an EDD representative.

Don’t panic!

They’re not trying to grill you (necessarily). They just want to make sure everything is on the up-and-up. Here are a few tips:

• Be prepared: Review your application and have all your information handy.
• Be honest: Honesty is always the best policy.
• Be clear and concise: Get to the point and avoid rambling.
• Stay calm: Even if you’re nervous, try to keep a cool head.

Some common questions they might ask include:

• Why did you leave your job?
• Were you fired or did you quit?
• Are you actively seeking employment?
• Are you able and available to work?

If there are any potential issues or discrepancies in your application, address them head-on during the interview. Explain the situation clearly and provide any supporting documentation you have.

Navigating the unemployment claims process can feel daunting, but with a little preparation and a clear understanding of the steps involved, you can successfully claim the benefits you deserve. Good luck, and remember, you’ve got this!

Fighting for Your Rights: Understanding the Appeals Process

So, you’ve been denied unemployment benefits? Don’t throw in the towel just yet! The California Unemployment Insurance Appeals Board (CUIAB, or as I like to call them, the “Coo-yab”) is your next stop. Think of it as your chance to tell your side of the story and maybe, just maybe, get that decision overturned. Let’s dive into how you can fight for your rights!

Filing an Appeal: Tick-Tock Goes the Deadline

First things first, time is definitely of the essence. You can’t sit on this! There’s a strict deadline for filing an appeal with the CUIAB. Miss it, and you’re pretty much out of luck. Generally, you have 20 to 30 days from the date the EDD’s decision was mailed to you (check the notice!) to get your appeal in. Don’t delay – mark it on your calendar, set a reminder on your phone, tattoo it on your arm if you have to! Whatever it takes to remember.

Now, about the appeal form itself. You’ll need to provide some essential information, including:

• Your name, address, and Social Security number.
• The date of the EDD’s decision you’re appealing.
• A brief explanation of why you disagree with the EDD’s decision. This is your chance to shine, but keep it concise and factual.

You can usually find the appeal form on the CUIAB’s website, or you can request one from your local EDD office. Fill it out carefully and accurately, because this is the official start to your fight!

Gearing Up for Battle: Preparing for Your Hearing

Okay, so you’ve filed your appeal. Great! Now it’s time to prepare for the hearing. Think of this as your day in court – unemployment edition. You want to be ready to present your case as effectively as possible.

• Gather Evidence & Documentation: Dig up any documents that support your claim. This might include pay stubs, termination letters, emails, or witness statements. Anything that backs up your story!
• Witness Preparation: If you have witnesses who can testify on your behalf, get them ready! Talk to them about what they saw or heard, and make sure they understand what questions they might be asked.
• Understanding the Hearing Format: The hearing is usually conducted by an Administrative Law Judge (ALJ). It’s generally pretty informal, but you’ll want to be respectful and professional. The ALJ will ask you questions and allow you to present your evidence and testimony.

It sounds intimidating, but remember, the ALJ’s job is to get to the truth.

What Happens Next?: Potential Outcomes & Further Appeals

After the hearing, the ALJ will issue a decision. This could take a few weeks or even months. If the ALJ agrees with you, congratulations! You’ll start receiving your benefits. But if the ALJ upholds the EDD’s decision, don’t despair just yet. You may have the option to appeal further to the California courts. There is also another layer of appeals within the CUIAB system, should the ALJ decision be unfavorable.

Now, appealing to the courts is a whole other ball game, and you’ll likely want to consult with an attorney at this point. It can be a complex and time-consuming process.

Remember, understanding the appeals process is a crucial part of fighting for your rights. So arm yourself with information, prepare your case thoroughly, and don’t give up without a fight!

Employer Obligations: Managing Unemployment Costs

Running a business in California is like navigating a rollercoaster – thrilling, unpredictable, and sometimes a bit scary, especially when it comes to unemployment insurance. As an employer, you’re not just providing jobs; you’re also a key player in the state’s safety net. Let’s break down what that means in terms of your responsibilities, so you can keep your business humming along smoothly.

Understanding Unemployment Tax Obligations

Think of unemployment taxes as your contribution to the state’s “rainy day” fund for workers. But how much do you actually owe? Well, it’s not a one-size-fits-all situation. Your unemployment tax rate is calculated based on a few key factors:

• Your industry: Some industries, due to their nature, might have higher turnover rates.
• Your experience rating: This is where your past comes into play. If you’ve had a lot of former employees successfully claiming unemployment benefits, your rate might be higher. It’s like your business’s credit score, but for unemployment claims!
• The state’s overall unemployment rate: When unemployment is high, everyone might chip in a bit more.

Keeping tabs on your reporting requirements and deadlines is crucial. The EDD wants to know about your employees’ wages and your tax contributions, and they want to know on time. Missed deadlines can lead to penalties, which no business owner wants.

Responding to EDD Inquiries and Claims

So, a former employee files for unemployment. What now? This is where your role shifts to investigator and communicator.

• Properly investigating employee separations is key. Document, document, document! Understand why the employee left or was terminated. Was it a layoff due to downsizing? Or something else? The reason for separation matters big time.
• Next, provide accurate information to the EDD. Honesty and transparency are your best friends here. Don’t try to sugarcoat or hide anything; the EDD will likely find out anyway.
• If the EDD schedules a hearing, attend it! These hearings are your chance to present your side of the story. It’s like a mini-trial, but hopefully less dramatic.

Strategies for Managing Unemployment Costs

Okay, so how do you keep those unemployment costs in check? It’s not about dodging responsibilities; it’s about smart business practices.

• Effective employee management practices are your first line of defense. Clear expectations, regular feedback, and fair treatment can reduce turnover and the likelihood of claims.
• And finally, contesting unwarranted claims. Not every claim is valid. If you believe a former employee doesn’t qualify, don’t hesitate to challenge it. Just make sure you have solid evidence to back up your case.

What’s New? Recent Changes in Unemployment Law

Unemployment law—it’s not exactly the stuff of thrilling novels, is it? But trust me, keeping an eye on the latest tweaks and updates is super important for both employers and employees. Think of it like this: if California’s unemployment laws are the rules of a board game, then these changes are like surprise rule cards that can totally flip the game!

So, what’s been shaking up the unemployment insurance world in California lately? Buckle up because we’re about to dive into the juicy details!

How New Laws and Regulations Impact Unemployment Insurance

New laws and regulations can have a ripple effect throughout the entire unemployment insurance system. Sometimes, it’s a subtle shift; other times, it’s like someone hit the reset button! For example, a new law might change how the EDD determines if someone is eligible for benefits, or it could introduce new ways for employers to report employee information.

What These Changes Mean for Employers

Alright, employers, listen up! These changes can directly affect your bottom line. Here’s what you need to watch out for:

• Tax Rate Tweaks: Are your unemployment tax rates going up, down, or staying the same? Keeping an eye on these rates is key for budgeting and financial planning.

• Reporting Rumble: New laws might mean new reporting requirements. Make sure you’re up to date on what the EDD needs from you to avoid any nasty penalties.

• Employee Eligibility Echoes: Did a new regulation just change who qualifies for unemployment? Understanding these changes helps you better manage employee separations and respond to claims accurately.

The Worker/Claimant Perspective: What’s in it for You?

Now, for all you awesome workers and claimants out there, here’s how these changes might impact your world:

• Eligibility Examination: Have the eligibility rules been adjusted? You want to know if these changes will affect your ability to claim those benefits.

• Benefit Bonanza (or Budgeting Blues): Are benefit amounts increasing? What about how long you can receive those benefits? It’s crucial to understand any updates that might affect your financial runway while you look for your next gig.

Help is Here: Resources and Assistance for Claimants and Employers

Okay, so you’re trying to navigate the California Unemployment Insurance (UI) system, and you’re probably feeling like you’re lost in a bureaucratic jungle. Don’t worry, you’re not alone! Luckily, there’s a whole bunch of support out there, whether you’re a worker who’s just lost their job or an employer trying to keep everything above board. Let’s shine a light on where you can find a helping hand.

Support for Claimants: You’re Not Alone!

Losing a job is tough, and figuring out unemployment benefits can feel like another full-time job. But fear not! Here’s a rundown of resources available to help you through this process:

• EDD Website and Online Resources:

  • The California Employment Development Department (EDD) website is your first stop. Think of it as the UI system’s digital HQ. You can find just about everything you need here: application forms, FAQs, updates on benefit amounts, and all sorts of helpful guides. Seriously, bookmark that page!

• Legal Aid Organizations:

  • Sometimes, you need a legal eagle to help you sort things out. Legal aid organizations offer free or low-cost legal services to those who qualify. They can assist with understanding your rights, navigating appeals, and ensuring you’re treated fairly. Look up local legal aid societies in your area. They’re the superheroes of the legal world for those who need it most.

• Community-Based Support Groups:

  • Let’s face it: sometimes, you just need someone who gets what you’re going through. Community-based support groups can be a lifeline. These groups provide emotional support, practical advice, and a sense of camaraderie during a challenging time. A quick Google search for “unemployment support groups near me” can reveal some hidden gems.

Support for Employers: Keeping Your Business on Track

Employers, you’re not off the hook either! Managing unemployment costs and staying compliant with the law can be a real headache. But don’t reach for the aspirin just yet – these resources can help:

• EDD Employer Services:

  • The EDD doesn’t just handle claims; they also offer a range of services for employers. These include workshops, seminars, and online resources to help you understand your tax obligations, respond to claims effectively, and manage your UI costs. It’s like having a cheat sheet for navigating the employer side of things.

• Business Associations and Chambers of Commerce:

  • Your local business associations and chambers of commerce are great resources for networking and information. They often host workshops on employment law, offer advice on HR best practices, and can connect you with experts who can help you stay compliant. Plus, free coffee at meetings is always a bonus!

• Legal Counsel Specializing in Employment Law:

  • When in doubt, consult a pro. An attorney specializing in employment law can provide invaluable guidance on everything from employee handbooks to responding to unemployment claims. They can help you avoid costly mistakes and keep your business on the right side of the law.

Contact Information for Relevant Agencies and Organizations

Alright, let’s get down to brass tacks. Here’s a handy list of contact info for some of the key players in the California UI game:

• California Employment Development Department (EDD):
  • Website: www.edd.ca.gov
  • UI Customer Service: 1-800-300-5616
• California Unemployment Insurance Appeals Board (CUIAB):
  • Website: www.cuiab.ca.gov
• Legal Aid Association of California (LACC):
  • Website: www.laaconline.org (for finding local legal aid)

Remember: Navigating the UI system can be tricky, but you don’t have to do it alone. These resources are here to help you every step of the way. Good luck!

Navigating the ins and outs of California’s unemployment insurance can feel like a maze, right? But don’t worry, you’re not alone! Hopefully, this gives you a clearer picture of how it all works. And remember, the official EDD website is always your best bet for the most up-to-date info. Good luck out there!