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What Happens When My California State Disability Runs Out?

Last updated: May 3, 2023

California State Disability Insurance (SDI) is a partial wage replacement insurance plan for eligible workers in California. This program provides short-term disability benefits to eligible employees who are unable to work due to a non-work-related illness, injury, or pregnancy. It is crucial to understand what happens when your California State Disability benefits run out, and what options are available to you for continued support.

If you are wondering, “What happens when my California state disability runs out?” This blog will provide an overview of all your options when your benefits run out.

Duration Of California State Disability Benefits

Typically, California State Disability benefits last for up to 52 weeks. However, the exact duration of your benefits will depend on the specifics of your case, including the severity of your disability and the recommendations of your treating physician. As you approach the end of your benefit period, you might wonder, “what happens when my California state disability runs out?” It is essential to plan for the next steps and explore alternative forms of assistance.

What Happens When My California State Disability Runs Out?

When your California State Disability benefits run out, you have several options to consider for continued financial support. These options include:

Applying For California State Disability Insurance Extension

In some cases, you may be eligible for an extension of your California State Disability Insurance benefits. If your treating physician deems it necessary and you continue to meet the eligibility requirements, you may be granted an extension. To apply for an extension, you must submit the appropriate documentation, including a medical certification from your treating physician, to the Employment Development Department (EDD).

Transitioning To California Paid Family Leave (PFL)

If your disability is related to pregnancy or childbirth, you may be eligible to transition from California State Disability Insurance to California Paid Family Leave (PFL). PFL provides up to eight weeks of partial wage replacement for eligible employees who need to take time off to bond with a new child. To apply for PFL, you must submit a claim to the EDD along with the required documentation.

Applying For Social Security Disability Insurance (SSDI) Or Supplemental Security Income (SSI)

If your disability is expected to last longer than 12 months or is considered terminal, you may qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). SSDI provides benefits to individuals with a sufficient work history, while SSI offers financial support to individuals with limited income and resources. To apply for either program, you must submit an application to the Social Security Administration (SSA) and provide the necessary documentation, including medical evidence of your disability.

Exploring Workers' Compensation Benefits

If your disability is a result of a work-related injury or illness, you may be eligible for Workers' Compensation benefits. Workers' Compensation provides medical treatment, temporary disability benefits, permanent disability benefits, and vocational rehabilitation for employees who suffer from work-related injuries or illnesses. To apply for Workers' Compensation benefits, you must notify your employer of your injury or illness and submit a claim form to your employer's Workers' Compensation insurance carrier.

Considering Private Disability Insurance

If you have a private disability insurance policy, you may be able to receive benefits after your California State Disability benefits run out. Private disability insurance policies vary in their terms and conditions, so it is essential to review your policy to determine your eligibility and the duration of your benefits.

Seeking Employment Or Vocational Rehabilitation Services

If you have recovered enough to return to work or engage in vocational training, you may want to consider seeking employment or participating in vocational rehabilitation services. California's Department of Rehabilitation (DOR) offers vocational rehabilitation services to help individuals with disabilities prepare for, find, and maintain employment. These services may include vocational counseling, job search assistance, and job training programs. By working with the DOR or other employment resources, you can develop the skills and knowledge necessary to secure a job and regain financial independence.

Applying For Unemployment Insurance Benefits

If you are no longer disabled but are unable to find work, you may be eligible for Unemployment Insurance (UI) benefits. UI provides temporary financial assistance to eligible workers who have lost their jobs through no fault of their own. To qualify for UI benefits, you must meet specific eligibility requirements, including being able, available, and actively seeking work. You can apply for UI benefits through the California Employment Development Department (EDD) by submitting a claim online or via phone.

Exploring State And Local Assistance Programs

In addition to the options mentioned above, you may also be eligible for state and local assistance programs designed to support individuals and families facing financial difficulties. These programs may include:

  • Calfresh (Formerly Known As Food Stamps): Provides monthly food assistance to eligible individuals and families.
  • Medi-Cal: Offers low-cost or free health coverage to eligible Californians, including those with disabilities.
  • Low-Income Home Energy Assistance Program (LIHEAP): Helps eligible households with energy costs, such as heating and cooling expenses.
  • General Assistance (GA): Provides cash assistance to eligible individuals who are not supported by other public assistance programs.

To determine your eligibility for these and other assistance programs, contact your local county social services agency or visit the California Department of Social Services website.

Navigating Life After California State Disability

So, what happens when my California state disability runs out? When your California State Disability benefits run out, it is crucial to explore all available options for continued financial support. Whether through an extension of your state benefits, transitioning to another state or federal program, or relying on private insurance, there are resources available to help you navigate this challenging period. By understanding your options and taking proactive steps, you can ensure that you have the necessary support to manage your ongoing financial needs.

Find out everything you need to know about permanent disability in California by exploring our Disability Help resources.

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Cheri Hermanson
Cheri leads our team of writers in producing the best quality content there is regarding society and disability, most especially those that helps ease the quality of life for our differently-abled loved ones.
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