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California State Disability
Law Overview (SDI)
About The DI Program
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 12 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.
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.
- Payroll deductions for all covered workers are based on the same
low contribution rate.
INFORMATION
FREQUENTLY ASKED QUESTIONS
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