Edd State Disability Insurance – Everything You Need to Know

Edd state disability insurance is a program designed to provide financial assistance to Californians who are unable to work due to a disability. The program is managed by the Employment Development Department (EDD) of California and provides short-term disability benefits to eligible individuals. In this article, we will discuss everything you need to know about Edd state disability insurance, including eligibility criteria, benefits, application process, and frequently asked questions.

Eligibility Criteria

To be eligible for Edd state disability insurance, you must meet the following criteria:

Medical Eligibility

You must have a medical condition that prevents you from working for at least 8 consecutive days or requires hospitalization or surgery.

Employment Eligibility

You must have earned enough wages in the base period (the first four of the last five quarters before you became disabled) to meet the earnings requirements. As of 2021, you must have earned at least $1,300 in the highest quarter of your base period and at least $5,200 in total earnings in the base period.

You must also be employed or actively looking for work at the time you become disabled. If you are self-employed, you may also be eligible for Edd state disability insurance if you have been making contributions to the program.

Other Requirements

You must be under the care of a licensed healthcare provider who certifies that you are unable to work due to your medical condition. You must also be a resident of California and not receiving any other disability benefits from the state or federal government.

Benefits

If you are eligible for Edd state disability insurance, you may receive up to 60-70% of your weekly wages before taxes, up to a maximum of $1,357 per week as of 2021. The benefits are typically paid for a maximum of 26 weeks per disability, although this may be extended in some cases.

In addition to cash benefits, Edd state disability insurance also provides access to job protection and guaranteed health care coverage during your disability period.

Application Process

To apply for Edd state disability insurance, you can file a claim online, by mail, or by phone. It is recommended that you file your claim as soon as possible after becoming disabled, as there may be delays in processing your application.

You will need to provide information about your medical condition, employment history, and earnings during your base period. You may also be required to provide medical records or other documentation to support your claim.

If your claim is approved, you will begin receiving benefits within a few weeks of filing your claim. If your claim is denied, you will have the opportunity to request a hearing to appeal the decision.

FAQs

Conclusion

Edd state disability insurance is an important program that helps Californians who are unable to work due to a disability. It provides financial assistance, job protection, and health care coverage during your disability period. If you meet the eligibility criteria, you should consider applying for Edd state disability insurance to help you through this difficult time.