California State Disability Insurance (SDI)
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Overview
California State Disability Insurance (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, or a medically disabling condition from pregnancy or
childbirth. The majority of California employees, approximately
11 million workers, are covered by the SDI program. Some employees
are exempt from SDI; for example, railroad employees, some employees
of non-profit agencies, employees who claim religious exemptions,
and most government employees.
Four other states and one Commonwealth offer a disability insurance
program. They are Rhode Island, New Jersey, New York and Hawaii,
and the Commonwealth of Puerto Rico. Each state operates its program
independently.
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Benefits of California SDI Coverage
- SDI coverage "travels" with the worker. Coverage is not dependent on staying with a specific employer.
- SDI coverage is mandatory for most California workers.
- SDI is non-exclusionary. An eligible worker's coverage cannot be canceled or denied because of health risk factors, pre-existing medical conditions, or hazardous employment.
- SDI may pay up to 52 weeks of benefits with a waiting period of only seven days.
- Deductions for all covered workers are based on the same low contribution rate.
Future Value Insurance Services
Craig Casey
CA Lic. #0B81661