Calif. State Disability Coverage (SDI)

 

SDI pays some of your wages if you can’t work.  CA law requires the coverage and is  funded through your 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 SecuritySSI, SSDI

 

Corona Virus How to Apply information

on if you are unemployed, but not sick

 

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

edd.ca.gov/ 

Does the CARES Act provide the extra $600/week to someone collecting SDI State Disability Insurance?

 

I don’t find anything to support one getting SDI to be able to get the additional $600/week PUA Pandemic Unemployment Assistance – FAQ’s  uc.pa.gov/FPUC-FAQs   see the footnotes in our research below for more detail.  We are not authorized to approve or deny claims from any Insurance Company, State or Federal Authority. 

The federal Coronavirus Aid, Relief, and Economic Security (CARES) Act of 2020 provides for a temporary emergency increase in unemployment compensation (UC) benefits, referred to as the Federal Pandemic Unemployment Compensation (FPUC) program.

This program provides an eligible individual with $600 per week on top of the weekly benefit amount he or she receives from certain other UC programs. An individual must first be eligible for UC benefits to qualify for the additional $600 per week in benefits.

Individuals don’t need to do anything extra to receive the $600. Continue to file biweekly claims – benefits will be automatically updated.   uc.pa.gov/FPUC-FAQs

the DOL made clear for the first time that only if an individual is eligible to actually receive at least a nominal amount of regular UC unemployment compensation benefits for a given workweek will the individual also be eligible to receive the $600 payment:

ii. If the individual is eligible to receive at least one dollar ($1) of underlying benefits for the claimed week, the claimant will receive the full $600 Federal Pandemic Unemployment Compensation FPUC. Guidance 4.4.2020 15-20 *   Littler.com

The Program Letter reiterated that individuals are only entitled to benefits, including the weekly $600 payment, if they are “no longer working through no fault of their own” and if they are “able and available to work.” employment law letter

The PUA benefits are payable if you don’t qualify for regular UI benefits in California or another state and also do not qualify for State Disability Insurance or Paid Family Leave benefits. This includes:

Business owners
Self-employed individuals
Independent contractors  edd.ca.gov

DI provides short-term benefit payments to eligible workers who have a full or partial loss of wages due to a non-work-related illness, injury, or pregnancy. Benefit amounts are approximately 60-70 percent of wages (depending on income) and range from $50-$1,300 a week.  https://edd.ca.gov/about_edd/coronavirus-2019/workers.htm

SDI appears to pay much more than unemployment!

Unemployment Insurance (UI) benefit calculator will provide you with an estimate of your weekly UI benefit amount, which can range from $40 to $450 per week borowitzclark.com/california-unemployment/  https://edd.ca.gov/Unemployment/UI-Calculator.htm

 

Check out our other webpages on this topic

 

 

corona-virus-how-does-insurance-cover-it/

cares-act/

sba-coronavirus-loans/

text-of-cares-act-s-3548/

unemployment-compensation-cant-find-job-corona-pandemic/

 

 Disability Insurance
Links & Resources

Disability can Happen.org  *  Blog   * 

Where did your paycheck go - living confidently.com/protect-your-paycheck  learn more about disability.

 

Our webpage on SDI - State Disability Coverage

SSI

SSDI

STRS  State Teachers Disability

15 comments on “SDI State Disability Insurance

    • ​You should file for regular UC if you have an employer and

      you have been laid off, or
      your hours have been reduced through no fault of your own, or
      you cannot work because a medical or public official has directed you to quarantine or self-isolate because of COVID-19 exposure, symptoms, or a positive diagnosis; or
      you are caring for someone who is suspected of having or has tested positive for COVID-19.

      https://www.uc.pa.gov/COVID-19/CARES-Act/Pages/PUA-FAQs.aspx

    • I had sdi last month because my doctor said I should be working, but I not getting my extra $600 a month

      What should I do?

      Can I apply PUA? Also?

      I still can’t go back to work right now because of my Health condition

    • I have been diagnosed with covid – 19.

      If I apply SDI, Can I receive $600?

      Please help me how I apply for this one?

      Thank you!

      • You’re question is beyond my pay grade. I don’t work for EDD or get compensated to help people with EDD claims.

        It sure seems like you should be able to get the extra $600. If you were unemployed, you would for sure. Since your ill and can’t work it seems no, for the reasons cited on this webpage and the other FAQ’s.

        It looks like you should file for unemployment and see what happens.

        Check out these references and others on this page & FAQ’s

        https://edd.ca.gov/about_edd/coronavirus-2019/pandemic-unemployment-assistance.htm

        If you are unable to work and able to provide a written certification by a state or local health officer that you are infected with, or suspected of being infected with, COVID-19, you can file a Disability Insurance (DI) claim. DI provides short-term benefit payments to eligible workers who have a full or partial loss of wages due to a non-work-related illness, injury, or pregnancy. Benefit amounts are approximately 60-70 percent of wages (depending on income) and range from $50-$1,300 a week. https://edd.ca.gov/Disability/How_to_File_a_DI_Claim_in_SDI_Online.htm

        https://unemployment.edd.ca.gov/guide/benefits

        Would I qualify for benefits if I choose to stay home from work due to underlying health conditions and concerns about exposure to the virus?

        You can be eligible for benefits if you choose to stay home. Once you file your claim, the EDD will contact you if we need more information.

        Can I collect disability and unemployment benefits at the same time?

        You have the right to apply and file a claim for unemployment and disability benefits at the same time, but you can only collect payments under one benefit program at a time. You’re encouraged to file a claim under one program based on your circumstances or file under both programs if you are unsure of which program is most appropriate. The EDD will review the facts and determine your eligibility for the appropriate program.

        Can I start collecting unemployment benefits because I am laid off or have had my work hours reduced, and then switch to a disability claim if I become sick?

        Yes. If you become sick while you are out of work, you can apply for a disability claim, which can provide a higher benefit amount if you’re eligible.

        A medical certification is required to substantiate your illness. If you are approved for a Disability Insurance claim, your Unemployment Insurance (UI) claim will be suspended. If you recover but remain unemployed, you may then return to the remainder of your UI claim benefits as long as you remain out of work and are otherwise eligible. You will need to reapply to reopen your UI claim.

        Will I be ineligible for unemployment benefits if I answer no to the question about looking for work on my certification for ongoing payments?

        You should answer the question truthfully. Given the unique economic situation and lack of available work created by COVID-19, the EDD has been able to adjust our usual eligibility requirements to allow us to automatically process a large volume of claims. You will not be penalized if you answer “no” to the question about looking for work and will be paid benefits for that week if you meet all other eligibility requirements.

        How much can I earn in disability benefits?
        Benefit amounts are approximately 60-70 percent of wages (depending on income) and range from $50-$1,300 a week. The EDD provides a Disability Insurance Calculator to estimate your potential benefit amount. Disability benefits are paid through the date your doctor certifies or when you exhaust your available benefits, whichever comes first within a 52-week period.

        The Governor’s Executive Order waives the one-week unpaid waiting period, so you can collect DI benefits for the first week you are out of work. If you are eligible, the EDD processes and issues payments within a few weeks of receiving a claim.
        https://edd.ca.gov/about_edd/coronavirus-2019/faqs.htm#UIBenefits

  1. I’ve been on SDI State Disability Insurance for 52 weeks, can it be extended beyond that due to virus circumstances?

    I expected to be disabled maybe another 6 months?

    I have treatment resistant major depressive disorder but it might be getting better

    • My first thought would be to suggest you go on SSDI, but it’s my understanding that you must have a condition expected to last at least a year. So, maybe a year and a half would count? Check our page on SSDI Social Security Disability.

      If you were able to work, I’d say, check into Unemployment Coverage, see above.

      In googling… I don’t see anything about the 52 weeks being able to be extended. You don’t have Corona Virus, so I don’t think you could start a new claim based on that.

      Here’s Disability Benefits 101 on SDI.

      Are you getting Medi Cal? They might be able to hook you up with Food Stamps, SNAP, General Relief etc.

      You can set up an ONLINE Medi Cal account here.

  2. 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.

  3. 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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