Short-term disability insurance provides income replacement benefits to individuals who are unable to work due to an illness or injury, including PTSD and trauma. In California, short-term disability insurance is a state-mandated program that provides benefits to eligible employees.
California’s short-term disability insurance program is called State Disability Insurance (SDI), which is administered by the Employment Development Department (EDD). The program is funded by employee payroll deductions and provides up to 52 weeks of benefits.
To be eligible for SDI benefits, an individual must meet the following requirements:
- Be unable to work due to a non-work-related illness or injury.
- Be employed or actively looking for work at the time of the disability.
- Have earned at least $300 in wages from which State Disability Insurance (SDI) deductions were withheld during the base period.
The base period is generally the 12 months immediately preceding the start of the disability. The amount of benefits received is based on the individual’s earnings during the base period, up to a maximum weekly benefit amount set by the state.
To apply for SDI benefits, individuals must submit a claim to the EDD. The claim can be submitted online or by mail and requires medical certification from a healthcare provider confirming the disability. The EDD will review the claim and may request additional information before deciding on eligibility.
At Darling Psychology, your trusted mental health care in California, we understand that while focusing on treatment, you still need to pay the bills. During the assessment, our doctors will determine whether CASTD is an option for you, and our friendly office staff will help direct you through the filing process.
We also offer telehealth in Huntington Beach, California.