Insurance and Payment Programs for Short- and Long-Term Disability

What is SDI?

SDI stands for State Disability Insurance (SDI), and is a benefit or cash payment that partially supplements your income for up to twelve months when you are unable to do your regular job and habitual due to a mental or physical condition. SDI is a California program administered by the Employment Development Insurance Department (EDD). See our fact sheet, “State Disability Insurance (SDI): Your Legal Rights,” for more information.

What is short-term disability insurance?

Short-term disability, or STD, insurance generally refers to a private insurance plan that provides you with supplemental income for a defined period of time (usually six months to one year), when you are unable to work because of a physical or mental injury, illness, or other medical condition covered by the plan. Your employer, or employer, may provide employees with short-term disability insurance to supplement the payments you receive from SDI. In a typical short-term disability insurance plan, a claimant must show that he or she is unable to do his or her regular and usual job or similar job. If you’re not sure if your employer provides short-term disability insurance, contact your human resources department.

What is long-term disability insurance?

Long-term disability insurance, or LTD, generally refers to a private insurance plan that provides partial income supplementation over a long period of time when a person is unable to work because of a physical or mental injury, illness, or other medical condition covered by the plan. Your employer may provide employees with long-term disability coverage. A typical long-term disability (LTD) insurance plan makes payments after SDI and/or short-term disability insurance payments are exhausted. Generally, a claimant requesting LTD payments must show that he or she is unable to do his or her own work or other work. If you’re not sure if your employer provides long-term disability insurance, contact your human resources department.

Many LTD plans require that you also apply for SSDI. You will continue to receive a payment of the same amount (the difference is that the money will come from both your LTD plan and SSDI, instead of just from the LTD plan).

What is SSI?

SSI stands for Supplemental Security Income. SSI is a US federal program administered by an agency called the Social Security Administration (SSA). SSI is a cash payment benefit for low-income, resource-poor adults who are unable to do the work they did, if any, or any other work, because of a disability that has lasted or is expected to last. at least one year.

SSI is also available to some children with disabilities (depending on their parents’ income) and low-income people over age 65, even if they don’t have a disability.

In 2018, the maximum SSI payment a single California sighted person could receive was $910.72; the maximum payment for a blind person was $967.23.

Am I entitled to the SSI payment if I am undocumented?

Nope.

What is SSDI?

SSDI stands for “Social Security Disability Insurance,” and is another federal program administered by the SSA. SSDI is a cash payment for adults unable to perform their previous job, as well as any other job, due to a disability that has lasted or will last at least one year, and who have generated certain income in the preceding 10 years. of becoming disabled. (Disabled adults before age 22 may be eligible for SSDI based on their parents’ social security earnings history.) Unlike SSI, you don’t have to be low-income to receive payments. of the SSDI.

The amount of the SSDI cash payment varies depending on how much money you earned while working. In general, SSDI payment amounts are larger than SSI payments. If your SSDI payment amounts are low, you may be eligible for SSI and receive payments from both programs.

Am I entitled to the SSDI payment if I am undocumented?

Nope.

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