Having a disability can cause you a lot of financial difficulties because aside from paying for your medical and rehabilitation expenses, your condition also prevents you from working and earning money. Good thing there are different disability insurance programs in California, which were created to provide financial support to disabled people during their time of need.
If you acquire a disability, it is advisable that you seek the legal assistance of a lawyer in order to have a higher chance of receiving disability benefits from the state government.
Before filing an application, you should first ask your lawyer what kind of disability insurance program covers you situation and condition. Here are some examples of programs, which can provide you with disability benefits:
Short Term Disability (STD) Insurance
STD Insurance will provide you with wage replacement for months if you have suffered from wage loss because of your disability. It can help you if you are suffering from a temporary disability, meaning you can go back to work after some time.
Long Term Disability (LTD) Insurance
This program can provide you with wage replacement if you cannot work because of a disability, which can last for a year.
It can give you financial assistance for a year or until you reach your retirement age, which is 65-years-old.
State Disability Insurance (SDI)
It is a state-administered program, which can provide you with disability benefits every other week. Most workers in California are entitled to receive financial help from it.
Employees who are covered by SDI are required to pay for its premiums through their payroll taxes. Meanwhile, those who are self-employed may choose to apply for an elective coverage. Once their application is approved, they will start paying the premiums, which will be based on their earnings for the past year.
Social Security Programs
Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are the two federal programs that provide payments to disabled people. They are different from California's STD program mainly because of Social Security Administration (SSA)'s definition of disability.
Under SSA, a person will only be regarded as disabled if he is unable to work due to a medical condition, which will last for a year or may cause his death. Unlike STD, these two programs do not help people who are only suffering from a partial or temporary disability.