California State Disability Insurance Program
The bulk of employees in California, which is about 12 million workers, are covered by State Disability Insurance program. However, some employees are exempt from SDI such as railroad employees, some employees of non-profit agencies, employees who claim religious exemptions, and the bulk of government employees. There are also four more other states that offer the same State Disability Insurance program, with each state operates its program independently, namely Rhode Island, New Jersey, New York, and Hawaii. If you're living within those states, you could contact your local Employment Development Department Office. The advantages of California State Disability Insurance coverage include: * SDI coverage travels with worker. In other words, the coverage of this program is not dependent on staying with a clear cut employer. * SDI coverage is mandatory for the bulk California workers. * SDI is non-exclusionary. Therefore, an eligible worker's coverage can't be cancelled or denied because of health risk factors, pre-existing medical condition, or hazardous employment. * SDI may pay up to 52 weeks of advantages with a waiting period of only seven days. * Payroll deductions for all covered workers are based on the same low contribution rate. The State Disability Insurance Branch of the California Employment Development Department or EDD administers three kinds of disability insurance plans such as: State Plan - this is the type of disability insurance scheme that the bulk California employees are covered with. Voluntary Plan - this is a private type of disability insurance scheme that is approved by the Director of EDD, which can be substituted for the State Plan. Employees and employee groups may establish Voluntary Plans supplied that most of employees and the employer agree to do so. If you're covered by voluntary plan, you could get information about the coverage of this scheme and file a voluntary claim via your employer. Elective Coverage - employers and self-employed individuals, including normal partners may elect coverage. But the procedure of computing advantages for elective coverage participants is dissimilar from those employees whose coverage by the State Plan is mandated. The cost of participating, which is usually set annually, can be gotten from your local EDD Employment Tax Office. Also, individuals in family employment who are not liable to the California Unemployment Insurance Code may also elect coverage at the same rate as employees covered by the State Plan together with the same advantages as the State Plan. Elective Coverage claims are filed in the same technique as State Plan claims. However, there are some differences when it comes to eligibility requirements. If you need more information, you may contact EDD Disability Insurance customer service at 1-800-480-3287 or at EDD Taxpayer Assistance Center toll free number 1-888-745-3886. |
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