If you are a resident working in the state of California, you are required to pay into an SDI, or short-term disability insurance program, which is administered by California’s Employment Development Department (EDD). This is done via a paycheck deduction. If an employee cannot do their job because of a disability, they can receive weekly benefits until either they expire or the injured party can return to work. Read more about this program as well as how a California short-term disability lawyer can help.
Disability is defined as when a doctor certifies that you are unable to do the typical duties of your work according to the EDD. There are two other categories that are included: pregnancy, where you can normally collect SDI two to four weeks before your due date and for four weeks after birth, and elective and cosmetic surgery, where recovery is covered as long as a doctor certifies the time off.
Eligibility for SDI payments is activated when an employee has earned at least $300 in wages during a company’s’ “base period,” if the amount was taken out of their pay. To receive disability payments, a worker must miss eight consecutive days of work, plus be under the care of a doctor and have medical certification that they are not able to work.
Can Disability Be Lost?
While it is easy to qualify for SDI, there are cases where an employee can lose this form of coverage. These include:
- Missing a doctor’s appointment that was set up by the EDD
SDI Payment Information
When you receive payment from SDI, it will be based on how much you earned during a set base period. The payment will be 55% of the average wages paid by your company during the quarter of the base period you earned the most money. As of 2017, the most that can be received is $1,173. Before filing, it is best to look at the EDD website to learn the start dates for each base period as well as charts of weekly benefit amounts.
Depending on how long you are out of work, you can receive payments for up to 52 weeks. There are exceptions: those that are self-employed can only get a maximum of 29 weeks, and people in drug or alcohol rehab only get 90 days. Other benefits can have an impact on your SDI as well. Money can be subtracted from a payment for sick pay/paid time off as well as social security disability. There is no effect, however, for paid vacation time.
How a California Short-Term Disability Lawyer Can Help
While no one wants to miss any time off work, knowing the steps to take when it comes to SDI can help alleviate some of the potential financial issues that can arise. Before filing a claim, have an experienced law firm on your side. We’ve been helping disabled individuals in the Greater Los Angeles area, the Inland Empire, and Orange County get the disability benefits they need for years. Call Dr. Bill LaTour and his team today at 800-803-5090 or fill out our online form to schedule a free consultation.