Once Your Disability Benefits Are Approved Keep In Mind:
- Expect to receive checks every two weeks once your Basic, Voluntary Short-Term or Voluntary Long-Term Disability claim is approved.
- Be sure to provide information to the carrier about your medical, legal or financial situation, as requested.
- Let UC know if your address changes.
- If your health plan covers only a certain service area, and youll be away from that service area for more than two months during your leave, contact your Benefits representative about transferring to a plan in your new location.
How Will I Receive My State Disability Insurance Payments
You will be able to select your payment option when you file your claim.
EDD Debit Card: If eligible, benefit payments are issued on the EDD Debit Card within 24 hours of processing your certification and immediately available to you.
EDD Checks by Mail: If eligible, benefit payments are issued by EDD check within 24 hours of processing your certification. Allow 7 to 10 days for delivery of checks in the mail.
What Do I Need To Do
Understand your role and responsibilities in managing your disability benefits correctly, including how to continue or stop your benefit payments.
Note: Make sure that information is reported accurately, and the correct benefits are paid. Committing fraud has serious outcomes. Learn more on Help Fight Fraud.
Last Revised: 07/02/2021
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Timing Of Base Period
Here’s a chart showing your base period for recent and upcoming quarters.
Date Claim Filed
Because the state uses your highest-paid quarter of your base period to calculate your weekly payment, the date you file your claim can affect your benefits amount. You can use this to your advantage by choosing the date that will give you the base period with the highest wages, but you must file a claim with EDD within seven weeks of becoming unable to work.
Giving Up On Edd Because They Are Difficult To Reach
It can be frustrating trying to contact the California Employment Development Department about State Disability Insurance or Paid Family Leave because EDD staff are often extremely busy and hard to reach, but it is important to keep trying, especially if you have questions about your application or what’s happening with your benefits. EDD provides a list of ways to contact them, including online chat, phone, local offices, and by mail. You may need to try more than one way to contact EDD.
Tip: If you are contacting them by phone, the main English phone line is often busy, and you might want to call one of the non-English phone numbers — the people who answer those lines are knowledgeable about SDI and speak English in addition to the other language.Note: DB101 cannot answer questions about your SDI claim. If you have questions, please contact EDD.
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Getting Unemployment Insurance When You Could Be Getting Sdi Instead
If you got laid off, but you can’t actually work because of a non-work-related disability, it can be a mistake to apply for Unemployment Insurance .
Many people don’t know about the State Disability Insurance program, and apply for UI instead. However, SDI can give you a larger benefit for a longer period of time than UI, and you won’t get UI benefits if you’re not able to look for work and accept work if it’s offered. Plus, you can’t get UI and SDI at the same time. So even if you are unemployed, it’s better to apply for SDI if you have a non-work-related injury or illness that keeps you from being able to work. If you learn about SDI after applying for UI, you can transfer from UI to SDI instead of staying on UI benefits.
If Youre Not Able To Return To Work Within 12 Months And Are A Member Of Ucrp Talk With The Retirement Administration Service Center About Your Situation
- If you’re eligible for UCRP disability benefits, a representative will send you the required application forms.
- Return the forms ASAP your disability date is based on when your application is received.
- If you apply within 120 days of leaving UC employment, youll preserve your right to continue your retiree health coverage, so long as your coverage is continuous.
- If you receive UCRP Disability and have a CAP balance, youre required to take a distribution or roll over the CAP funds. Its best to choose the rollover otherwise the disability carrier will reduce your monthly benefit by the amount of the distribution. You also have the option to suspend your 403 loan repayments, if you have any.
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Can I Qualify For Sdi Benefits While I Am Getting Ssi Or Ssdi
Yes. It’s possible to qualify for California’s State Disability Insurance while you are on one or both of the federal programs, Supplemental Security Income or Social Security Disability Insurance . However, getting SDI benefits might make your SSI or SSDI benefits either go down or stop altogether.
How Is The Sdi Benefit Calculated
The SDI program generally pays 60-70% of the average wages you earned before the start of your disability. To calculate your average income, SDI looks at a yearlong period that starts around 17 months before your disability, and ends around 5 months before your disability. Those 12 months are called your base period. SDI divides your base period into 4 quarters and uses the quarter when you had the highest wages to figure your average income, and your benefit amount.
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Your Claim Start Date
The day you became unable to work due to your disability is the day your disability begins. You may not change the beginning date of your claim or adjust your base period after establishing a valid claim. A valid claim means there are still wages in your base period. If you have any questions about your claim start date, contact DI at 1-800-480-3287 before filing your claim.
Submit your claim following these requirements:
- Wait nine days after you become disabled to file your claim.
- File your claim within 49 days of becoming disabled to avoid losing benefits.
My Employer Offers Private Short
Typically, yes. If the benefits are integrated, the EDD will pay you an amount for SDI, and your employer or its insurance carrier will pay you an additional amount to cover some or all of the difference between SDI and your full wages.
If you dont know whether your employer integrates benefits with the EDD, ask your HR department or manager for information.
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Create A Benefit Programs Online Account
Before you can use SDI Online, you must first create a Benefit Programs Online account.
Important: BPO is available 24 hours per day. Once you register on BPO, you are not done yet. You will receive an email to confirm your account, which includes a link. Select the link to complete your registration. For security purposes, the link will expire within 48 hours. For more information on how to register, access Benefit Programs Online: Overview and Registration for New Users .
If you donât get this message in your inbox, check your spam or junk mail folder
Get A Medical Certification
Your physician/practitioner must certify to your disability by completing and submitting the medical certification using either SDI Online or the DE 2501 Part B â Physician/Practitioners Certificate of the paper claim form. It is your responsibility to have your physician/practitioner complete and sign the form and submit it to us within 49 days from the date your disability begins or you may lose benefits.
Have your physician/practitioner complete the medical certification portion of your disability claim.
- A nurse practitioner may certify to a disability within his/her scope of practice however, he/she must perform a physical examination and collaborate with a physician or surgeon.
- A licensed midwife, nurse-midwife, or nurse practitioner may complete the medical certification for disabilities related to normal pregnancy or childbirth.
- If you are under the care of an accredited religious practitioner, you may download and print the Claim for Disability Insurance Benefits-Religious Practitioners Certificate .
Note: Your claim is not complete until your physician/practitioner completes a medical certification.
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Disability Insurance And Paid Family Leave Benefits
The California State Disability Insurance program provides short-term Disability Insurance and Paid Family Leave wage replacement benefits to eligible workers who need time off work.
You may be eligible for DI if you are unable to work due to non-work-related illness or injury, pregnancy, or childbirth.
You may be eligible for PFL to:
- Care for a seriously ill family member.
- Bond with a new child.
- Participate in a qualifying event because of a family memberâs military deployment to a foreign country.
To file for benefits, read messages from the EDD, submit online forms, or manage your profile, access your SDI Online account.
Note: It may be necessary to send some documents via U.S. mail.
To provide feedback about the SDI information available on the EDD website, take our SDI Survey.
Who Pays For Sdi
Employees pay for State Disability Insurance through a small SDI tax that is automatically taken out of their paychecks. That money is put into a fund, and used to pay for SDI benefits . People who are self-employed or business owners can choose to buy elective coverage by paying premiums based on their profits from the previous year.
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Will My Job Be Protected While Im Taking Time Off Work Using State Disability Insurance
California State Disability Insurance does not provide job protection. Your job may be protected through other federal or state laws such as the Family and Medical Leave Act or the California Family Rights Act . For more information about the FMLA, visit the Department of Labor or call 653-9900. For more information about the CFRA, visit the California Department of Fair Employment and Housing or call 1-800-884-1684.
If Your Disability Leave Ends And You Can’t Return To Your Previous Work Consider These Options:
- If youre eligible to retire, you can compare your potential retirement income with your disability income your Benefits representative or the Retirement Administration Service Center can give you the figures youll need. Depending on your age, UCRP service credit and other factors, you could receive more monthly income and higher UC medical and dental contributions under UCRP disability than if you retire.
- Talk to your campus disability management specialist to explore other job opportunities.
- Campus Contacts
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Denying To Yourself That You Have A Disability
Many people take a long time to learn to cope with a new condition, and in the beginning won’t admit to themselves, their family, and their medical provider that they have an injury or illness that stops them from being able to work. Because of this, at first you might not be giving your medical providers an accurate or full understanding of your condition or how much it affects your day-to-day activities. It’s extremely important that you let your medical provider know exactly what is going on, because in most cases State Disability Insurance relies on your medical provider to let them know how serious your disability is, and how long it might last. If you haven’t been completely honest with your medical provider and then apply for SDI, the report about your disability might be inaccurate or incomplete, and you might be turned down or you might be given benefits for a shorter period of time than you need. Note: In some cases, EDD may order an independent medical examination.
Who Is Not Covered By Sdi
Most California employees are covered by SDI, but some aren’t.
Those who are not covered include:
- Most government workers, like federal, state, county, or city employees. Some government workers are covered by Non-industrial Disability Insurance . Learn more about NDI.
- Some domestic workers
- Some employees of non-profit organizations
- Self-employed workers or business owners who do not pay for Elective Coverage
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For Paid Family Leave
The forms to apply for Paid Family Leave are different, but the options for applying are the same:
- By mail. EDD explains how to apply for PFL by mail and provides a how-to video for applying for PFL by mail.
There are several parts to the PFL application. You must complete Part A the person you are caring for must sign page 2 and complete Part C and the doctor/medical practitioner for the person you are caring for must complete and sign Part D.
Note: If there are no problems with your forms, youll usually start getting SDI or PFL benefits about two weeks after submitting your claim. Do not file more than one copy of the same claim, as this makes it take longer for you to get benefits.
If SDI decides you don’t qualify for SDI or PFL benefits, they send you a Disqualification Notice and an Appeal From. You have 30 days from the date of the notice to appeal SDI’s decision online or in writing. EDD will look at your appeal, and either decide to give you benefit payments or send your appeal to the local Office of Appeals of the California Unemployment Insurance Appeal Board, which will schedule a hearing.
Ssi & Ssdi California Hearing Offices
California is part of Region 9 of the SSA. The Region 9 headquarters is in San Francisco. There are also 16 additional hearing offices in California
When applying for SSI or SSDI in California, it is important to know which hearing office you will use and how long you can expect to wait for your hearing. Below is a list of SSDI California hearing offices for your convenience.
Fresno Office of Disability Adjudication and Review
Office Hours: 8:00 a.m. to 4:30 p.m.
Services the following Social Security Field Offices: Boyle Heights, Compton, Downey, Huntington Park, Montebello, Norwalk, Whittier
Oakland Office of Disability Adjudication and Review
Oakland Federal Building, Suite 200N
1301 Clay Street
Office Hours: 8:00 a.m. to 4:30 p.m.
Services the following Social Security Field Offices: Antioch, Berkeley, East Oakland, Fremont, Hayward/Livermore , Oakland, Richmond, San Leandro, Walnut Creek
Orange Office of Disability Adjudication and Review
Centrum North, Suite 600
1120 West La Veta Avenue
Orange, CA 92868
Office Hours: 8:00 a.m. to 4:30 p.m.
Services the following Social Security Field Offices: Anaheim, Brea, Fountain Valley, Garden Grove, Mission Viejo, Ontario, Pomona Valley, Santa Ana
Pasadena Office of Disability Adjudication and Review
Pasadena Towers 1, Suite 500
800 E. Colorado Boulevard
Office Hours: 8:00 a.m. to 4:30 p.m.
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Do You Qualify For Disability Insurance
The State Disability Insurance program provides partial wage replacement to eligible workers who are unable to work because of a disability, illness or pregnancy. The program is state-mandated, and is funded through employee payroll deductions. Workers covered by SDI are covered by two programs: Disability Insurance and Paid Family Leave . The Employment Development Department administers both of these programs.
The following are the Employment Development Departments most frequently asked questions about Disability Insurance:
What do I do to apply?
To file a claim, you can call the EDD Disability Insurance customer service line to request a form, apply online, or walk into any local EDD office to get an application. You can process a claim online by visiting http://www.edd.ca.gov/disability/ di_how_to_file_a_claim.htm or you can call an SDI program representative at 1-800-480-3287 or 1-866-658-8846 . You need to mail your claim form within 49 days from the first day you were disabled. If your claim is late, you may lose benefits unless your explanation of the delay is accepted as reasonable.
How much money will I receive?
Can a doctor outside of the U.S. certify my disability claim?
Yes, a doctor from another country is able to sign your disability form so you can collect your benefits. The process will take a little longer because the out of country doctors license has to be cleared by the EDDs medical directors office.
Do I get paid for the waiting period week?
How Do I File For Disability
You can file the Claim for Disability Insurance Benefits claim or even faster with . Register and create an account with us through Benefit Programs Online so that you can file and manage your disability claim with SDI Online.
Note: You can choose how you receive your benefits when you file, either by prepaid debit card or EDD check.
- Electronic Payment: If you chose this option, your benefit payments will be deposited to a debit card issued to you.
- Payment by Mail: If you chose this option, your benefit payments will be issued by EDD check. Allow 7 to 10 days for delivery by mail.
To learn more, review the step-by-step overview for the . Review the for detailed answers to commonly asked questions, including
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Canada Pension Plan Disability Benefits
The Canada Pension Plan provides monthly payments to people who contribute to the plan during their working years.
You may be eligible for CPP disability benefits if:
- you contributed to the CPP for a certain number of years
- you’re under 65 years old
- you have a severe and prolonged mental or physical disability
- your disability prevents you from working on a regular basis
The benefits include payments to children of a person with a disability.
Apply as early as possible if you think you’re eligible for CPP disability benefits. Quebec residents may be eligible for a similar program called the Quebec Pension Plan . It may take several months to process your application.
If you applied for CPP or QPP disability benefits and were told that you’re not eligible, you can ask to have your application reviewed or considered again.
Once you reach age 65, your CPP disability benefit will automatically change to regular CPP payments. Your regular CPP payments may be less than the CPP disability payments you got before.
If so, consider: