Voice of the Fields - February 2011

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FA R M   L A B O R   I N F O R M AT I O N   B U L L E T I N

Voice of the Fields California

February 2, 2011

FREE

Volume 21, Number 1

Do you qualify for Disability Insurance?

W

orking in the agricultural industry is not only essential to the welfare of our State, but also to those providing for their families. Therefore, being out of work due to a non work-related injury, illness or pregnancy could be detrimental. However it doesn’t have to be that way. Did you know that Disability Insurance (DI) could help pay part of your lost wages? Nearly 13 million California workers pay into the State Disability Insurance (SDI) program for disability insurance coverage. The California Unemployment Insurance Code (Section 2626) defines a disability as any mental or physical injury that prevents you from performing your regular work duties. Disabled workers are paid anywhere between $50 and $927 (maximum benefit) on a weekly basis. The amount of your SDI weekly benefit is approximately 55 percent of your earnings and disabled workers may receive up to 52 weeks, or approximately one year, of payments. You cannot receive Disability Insurance benefits if you are currently receiving Unemployment Insurance benefits or Paid Family Leave benefits.

Requirements for Disability Insurance: DI benefits can be paid only after you meet all of the following requirements: n  You must be unable to do your regular

or customary work for at least eight consecutive days. n  You must be employed or actively looking for work at the time you become disabled. n  You must have lost wages because of your disability or, if unemployed, have been actively looking for work. n  You must have earned at least $300 from which SDI deductions were withheld during a previous period. n  You must be under the care and treatment of a licensed doctor or accredited religious practitioner during the first eight days of your disability. (The beginning date of a claim can be adjusted to meet this requirement.) You must remain under care and treatment to continue receiving benefits. n  You must complete and mail a claim form within 49 days of the date you became disabled or you may lose benefits.

n  Your doctor must complete the

medical certification of your disability. A licensed midwife, nurse-midwife, or nurse practitioner may complete the medical certification for disabilities related to normal pregnancy or childbirth. (If you are under the care of a religious practitioner, request a “Practitioner’s Certificate,” DE 2502, from the SDI office. Certification by a religious practitioner is acceptable only if the practitioner has been accredited by Employment Development Department.)

n  If a spouse, registered domestic

partner, parent, or child is providing care for the claimant, he/she may be eligible for Paid Family Leave benefits. How to file a claim: Disability Insurance services are available over the telephone, by mail or online. You can process a claim online by visiting www.edd.ca.gov/ Disability or you can call an SDI program representative at 1-800480-3287 or 1-866-658-8846 (En Español). An independent medical examination to determine your initial or continuing eligibility may be required.


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