Web Content Viewer
California State Disability Insurance (SDI), including Paid Family Leave (PFL)
Web Content Viewer
California State Disability Insurance and Paid Leave
The California State Disability Insurance (SDI) program is state mandated and funded through employee payroll deductions. SDI provides two, short term benefits to eligible workers: Disability Insurance (DI) and Paid Family Leave (PFL).
State Disability Insurance (SDI) is a partial wage replacement insurance plan for eligible California workers who have a loss of wages when they are unable to work due to a non-work-related illness, injury, or pregnancy.
California’s Paid Family Leave (PFL) program was established as a component of the existing State Disability Insurance. SDI and PFL only provide monetary benefits; however, a job may be protected through other laws, such as the federal Family and Medical Leave Act (FMLA) or the California Family Rights Act (CFRA).
Web Content Viewer
Effective Date
- Effective 1946: State Disability Insurance (SDI) was established
- Effective 2004: Paid Family Leave Benefits begin
Web Content Viewer
Plan Features
Specific features you may inquire about | Relevant information |
---|---|
Covered Employer | California employers paying wages over $100 in a calendar quarter to one or more employees. |
Eligibility | Earn at least $300 from which State Disability Insurance (SDI) deductions were withheld during the base period. |
Leave Types |
|
Elimination Period |
|
Weekly Benefit | 60% of earnings in the highest quarter of their base period; 70% for workers earning less than 1/3 of state’s average weekly wage. |
Maximum Weekly Benefit | $1,540 |
Maximum Duration |
Note: Maximum Weekly Benefit Amount (MWBA) |
Employee Contribution |
|
Private Plan Options |
The self insured private plan must be equal to or better than the state mandated plan. An election is required - the majority of an employer’s eligible California employees must agree to implement a voluntary plan (VP) and this consent is established through an election process. If 85% or more of eligible employees agree to establish a VP, all new hires are automatically enrolled in the VP. If fewer than 85% consent, all new hires must actively elect to participate in the state plan versus the VP. Special note about insured VDI Plans: In order to establish an insured Voluntary plan, Employment Development Department (EDD) must be satisfied that the approval will not result in substantial adverse risk to the state Disability Fund. In order to meet the standard for approval, the employer’s population must substantially conform to the state’s population in gender, age, and wage distribution on the voluntary plan application date and each January 1 it remains in effect. Due to the difficulty in satisfying these requirements, self-insured voluntary plans are the only viable plan alternative to California SDI. |
Prudential's Plan Options |
|
Additional Information | https://www.edd.ca.gov opens in a new window |
Web Content Viewer
Need More Information?
Visit California's PFL website opens in a new window for more details and to read the regulations.
Please contact your Prudential representative with questions.
The Prudential Insurance Company of America (Prudential), Newark, NJ
For Compliance Use Only: GL.2019.223