In California, Disability Insurance (DI) is a state-run program that provides short-term wage replacement benefits to eligible workers who are unable to work due to non-work-related illness, injury, or pregnancy.

What Is Disability Insurance?

DI is part of the State Disability Insurance (SDI) program, designed to offer financial support to employees who cannot perform their regular work duties due to health conditions unrelated to their job. This includes physical or mental illnesses, injuries, surgeries, pregnancy, and childbirth.

Who Is Eligible?

To qualify for DI benefits, individuals must meet the following criteria:

• Be unable to perform their regular work for at least eight days.
• Have lost wages due to their disability.
• Be employed or actively seeking employment at the time the disability begins.
• Have earned at least $300 in wages, from which SDI deductions were withheld during the base period.
• Be under the care and treatment of a licensed physician or practitioner.

What Benefits Does It Offer?

Eligible individuals can receive approximately 60% to 70% of their average weekly wages, depending on their income, for up to 52 weeks. These benefits are intended to help cover essential expenses during the period of disability.

How to Apply for DI?

The most efficient way to apply is through SDI Online, the Employment Development Department’s (EDD) online platform. Alternatively, applications can be submitted by mail using the appropriate forms available from the EDD.

Departamento de Empleo de California

Important Considerations

• DI does not provide job protection; however, laws such as the Family and Medical Leave Act (FMLA) and the California Family Rights Act (CFRA) may offer certain employment protections.
• It’s crucial to file a claim within 49 days of becoming disabled to avoid delays or potential denial of benefits.

Understanding Disability Insurance in California is essential for workers facing health challenges that prevent them from working. Being informed about your rights and the application process can make a significant difference during times of need.

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