| What is a State Disability Insurance? Also known | | | | 3. It is non-exclusionary. Anyone who is eligible |
| as SDI, it is a partial wage for workers. This is | | | | cannot have his coverage be denied or canceled |
| mandated by the State and is funded by the | | | | due to health risk factors, hazardous employment, |
| deductions from the employee's payroll. SDI | | | | or pre-existing conditions. |
| offers short-term benefits that are affordable to | | | | 4. State Disability Insurance may reach up to 52 |
| eligible workers who are going through a loss of | | | | weeks of benefits. It has a waiting period of |
| wages because they cannot work. | | | | seven days. |
| Their reasons for their not being able to work can | | | | 5. The payroll deduction for all the employees who |
| be non-work related illnesses or they are injured. | | | | are covered are based on a single contribution |
| They can also be pregnant or have just given | | | | rate. |
| birth. | | | | Here are the SDI Plans. |
| Employees are covered by the state disability | | | | 1. State plan. Majority of employers have this plan. |
| insurance. But there are some employees that | | | | Most of the information that is provided on the |
| are exempted from these. Examples are the | | | | insurance is patterned to the policies of the state. |
| railroad employees. In fact, the non-profit | | | | 2. Voluntary Plan. This is a private plan that has |
| agencies' employees claim religious exemptions. | | | | been approved by the EDD. It may be a |
| There are five states that offer disability | | | | substitute for the State Plan. Employee groups as |
| insurance programs. These are California, New | | | | well as the employers can make their own |
| York, New Jersey, Rhode Island, and Hawaii. One | | | | voluntary plans if they both agree to do. |
| commonwealth also provide the same benefits. | | | | 3. Elective coverage. Employers and self-employed |
| This is Commonwealth of Puerto Rico. Each state | | | | people, even those general partners, may apply |
| has their own operations of the programs. | | | | for coverage. However, the calculation of the |
| Generally, here are the benefits of State Disability | | | | benefits they'd get and how much coverage they |
| Insurance | | | | would acquire is similar to those of the employees |
| 1. It covers the travels of the employees. | | | | whose benefits and coverage have been |
| However the coverage is not dependent when | | | | mandated by the State Plan. |
| the employee is sticking with a particular | | | | The cost of participating can be calculated b the |
| employer. | | | | EDD Employment Tax Office. In this particular |
| 2. This is mandatory for most of the workers in | | | | plan, the cost is different from one employee to |
| the specific state. | | | | the next. It depends on the payroll. |