Calif. State Disability Coverage (SDI)

is a partial wage-replacement insurance plan for California workers.  The SDI program is State-mandated, and funded through employee payroll deductions.  SDI provides affordable, short-term benefits to eligible workers who suffer a loss of wages when they are unable to work due to  a NON WORK-RELATED illness or injury, (otherwise check out Worker’s Compensation)  or a medically disabling condition from pregnancy or childbirth.    Or to say it another way, Disability Insurance (DI) provides short-term benefits to eligible workers who have a full or partial loss of wages due to a non-work-related illness, injury, or pregnancy.

When SDI expires, try Social Security -SSI, SSDI

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complementary Long Term Care Proposal

Forms and Publications EDD Website

 

EDD Employers Guide 100 Pages

Disability Benefits 101 on SDI

 

                                                                   Voluntary SDI Plans? Save $$$ Better Benefits
innovative care systems.com
edd.ca.gov/ 

Related, Child & Sibling Pages  in Disability Income  Section

Medi-Cal

California & National Paid Family Leave Act 

Covered CA Subsidized Proposals

Maternity Page

SSI

SSDI

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6 comments on “SDI State Disability Insurance

  1. How recent must I have been employed and paying taxes into SDI to collect? That is, if I paid in but then went into an industry that isn’t coverage by SDI, can I collect? Get both benefits?

    • Here’s the eligibility requirements page https://edd.ca.gov/Disability/Am_I_Eligible_for_DI_Benefits.htm

      Here’s the part that recreates a problem:

      Have earned at least $300 from which State Disability Insurance (SDI) deductions were withheld during your base period. For additional information visit, Calculating Benefit Payment Amounts.

      https://edd.ca.gov/Disability/Calculating_DI_Benefit_Payment_Amounts.htm

      Your weekly benefit amount (WBA) is approximately 60 to 70 percent (depending on income) of wages earned 5 to 18 months prior to your claim start date up to the maximum weekly benefit amount. You may receive up to 52 weeks of Disability Insurance (DI) benefits.

      A base period covers 12 months and is divided into four consecutive quarters. The base period includes wages subject to SDI tax which were paid approximately 5 to 18 months before your disability claim began.

      I’m not authorized to deny your benefits. You have nothing to lose, except time by filing a claim. Note also that if you were eligible, SDI would probably deduct the payments you would be getting from another public disability system or vice versa.

      https://edd.ca.gov/Disability/FAQ_DI_Eligibility.htm

      I worked for the government for a couple of years. Can I collect DI?
      Perhaps. Some government workers, including school employees, may be eligible for DI benefits due to their collective bargaining contract. Also, if you have wages from a private employer during the base period, you may be eligible even though your present employer is a local government entity. The EDD encourages you to file a claim for benefits, even if you are unsure of your eligibility.

  2. My 48 year old son in California has colorectal cancer that has matastasized to his liver. After several surgeries, he is in his second round of chemotherapy. This is expected to be more debilitating than the past treatments and cause him to have to reduce work hours as a licensed landscape architect in a medium sized firm. Throughout this, his firm has previously paid his full salary even though he has worked only part time some months.

    I understand that he can recieve from California SDI up to 55% of his full time salary. If he was able to work 45% of the time while in chemo, could he recieve the 55% SDI and get the remaining 45% salary from the firm at the same time?

    • Please review these pages

      https://edd.ca.gov/Disability/Am_I_Eligible_for_DI_Benefits.htm

      https://edd.ca.gov/Disability/FAQs.htm

      I am currently working, but my physician/practitioner tells me I must reduce my working hours due to my disability.

      Can I file a claim for Disability Insurance (DI) benefits?

      Yes. If you are losing wages, the Employment Development Department (EDD) suggests that you file a claim. After the EDD receives your properly completed claim, we will determine if you are otherwise eligible for DI benefits.

      Can I receive accrued vacation from my employer and still receive DI benefits?

      Yes. Vacation benefits are not in conflict with DI.

      Can I receive sick leave from my employer and still receive DI benefits?

      You cannot receive DI benefits for any period for which you also receive sick leave wages that are equivalent to your full or regular salary. If you are receiving only partial sick leave wages, however, you may be eligible for full or partial DI benefits.

      Can I receive paid leave from my employer while I am receiving my DI benefits?

      Yes, but depending on the type of paid leave and how much you receive, your DI benefits may be reduced. You should always report all the wages you receive from your employer on your claim form.

      Can I receive DI benefits if my employer offers me unallocated leave or paid time off (PTO)?

      No. PTO payments are considered the same as sick leave wages. However, if you are receiving partial PTO and still lose wages, you may be eligible to receive full or partial DI benefits.

    • In order to be eligible for DI benefits, you must:

      Be unable to do your regular or customary work for at least eight days. per EDD Eligibility Page

      Your weekly benefit amount (WBA) is approximately 60 to 70 percent (depending on income) of wages earned 5 to 18 months prior to your claim start date up to the maximum weekly benefit amount. Learn More EDD Benefit amount page

      What are the medical eligibility requirements for SDI?

      Medical eligibility is for any illness or injury, either physical or mental, that prevents an individual from doing his or her usual or customary work. This definition also includes disabilities resulting from elective surgery, pregnancy, childbirth, or a related medical condition. CA Disability Benefits

      How to file a claim.

      Sample claim form

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