All About Unemployment and Worked Related Disability Insurance: Update July 09 - 2010 All About "Short Term Unemployment Disability Insurance" By Insurance Experts

If you become disabled through injury, sickness, or other circumstances and have not been able to work for a year (long term disability), then you may be eligible for social security disability insurance (SSDI) benefits. If your application is approved, you can collect the social security disablity insurance benefit until age 65 when is the time the benefit is transfered to the pension program.

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How California State Disability Insurance Impacts Your Maternity Leave

By Kevin Haney

California is one of only five states with a mandated short term disability insurance program. And of the five, it has some of the richest benefits. This is especially good news for working women about to go out on maternity leave. Be sure you qualify for benefits before getting pregnant. Not every California employee is automatically covered.

California State Disability Insurance

California State Disability Insurance is also commonly referred to as California SDI. This is a short term disability insurance program for people who work in the state of California. CA is one of only five states that mandate this type of insurance coverage.

Of the five states with coverage, California is near the top of the list when it comes to the total amount of income replacement, but in the middle on percentage terms. The program will replace up to 55% of your income, which is in the mid range of the five states.

But the hard dollar cap of $987 per week beginning in 2010 comes out on top. This means that higher income wage earners will get a higher level of income replacement. A person earning $93,316 per year or more will be subject to the cap.

What this Means for Maternity Leave

This means that women working in California will get a decent wage during maternity leave.

Of course, this only applies if you have coverage. The mandate applies only to those subject to the California Unemployment Insurance Code. Certain worker groups are not automatically covered. Find out if you are covered before getting pregnant, as pregnancy is considered a pre-existing condition.

Find out if you are covered by California SDI before getting pregnant.

Kevin Haney is a licensed health insurance agent helping growing families generate maternity leave income, and protection just in case by using supplemental family insurance benefits.

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