Did you know that 1 in 4 adults in the United States has a disability? If you are included in this statistic and have suffered financial loss, then State Disability Insurance may be for you.
Unfortunately, not all states have an SDI program. To find out if your state does, keep reading this brief guide. If so, you may be allegeable for help.
What Is an SDI Program?
If you are very ill, injured, and unable to complete tasks at work, State Disability Insurance is something you should consider. Administered by the EDD, the SDI program is a partial wage insurance plan which provides short-term financial assistance of up to 12 months.
Incurring a loss of earnings due to your disability is disheartening, so when it happens, know that there is financial assistance out there.
Which States Have an SDI Program?
Five states have an SDI program. These are California, Hawaii, New Jersey, New York, and Rhode Island. However, the largest amount of time to claim on the state insurance program varies between 26 to 52 depending on which state you live in.
You must have earned at least $300 in wages within the 12-month base period to claim. The more money you have accumulated before your disability means more insurance benefits you are entitled to. However, every state has its limit to the amount you can claim.
Are You Able to Claim SDI?
Were you working or actively looking for work when your disability began? If so, and you contribute to the state disability insurance program or have contributed to the disability insurance elective coverage program, you can claim SDI. Additionally, you must be unable to work for eight consecutive days and have filed a claim within 49 days of your disability’s appearance.
Funded by general tax revenues, if you do not comply with the requirements for SDI, the SSI program may be more suitable for you. SSI provides monthly payments to meet basic needs, such as food and shelter. The amount you can claim varies, depending on whether you live in a state that contributes money to the federal SSI payment.
How Do You Claim SDI?
The process of your disability application can be carried out online, by paper form, or by visiting a walk-in EDD office – This is recommended if you are having problems with your SDI application. However, offices are only open at set times that may be inconvenient.
When applying online, you may already have an account. For example, if you claim benefits such as paid family leave and unemployment. Applying online can reduce claim time and provide access to information on your application.
Now You’re Ready to Claim SDI
After reading this article, you should now understand if your state has an SDI program. As well as the initial steps to take when filing an SDI claim.
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