Self-Employed

Disability Insurance Elective Coverage (DIEC): A Safety Net for the Business Owner or Self-Employed

As someone whose livelihood depends on your ability to run a business, you should consider what would happen if your income stopped because:

  • You were sick, injured, or had a disabling condition due to pregnancy or childbirth and could not work.
  • Your child, parent, spouse, or registered domestic partner needed your care due to a serious health condition.

    Note: Beginning July 1, 2014,California workers may be eligible to receive Paid Family Leave benefits when taking take time off of work to care for a seriously ill parent-in-law, grandparent, grandchild, or sibling. For more information, view Senate Bill 770 (Chapter 350, Statutes of 2013).
  • You would like to bond with your new child (biological, foster or adopted child).

Many people could not do without income even temporarily.

Disability Insurance Elective Coverage (DIEC) Program

California’s DIEC serves as a safety net to small business owners, entrepreneurs, or self-employed individuals. Individuals that are covered by the DIEC are covered by Disability Insurance (DI) and Paid Family Leave (PFL).

DI provides benefits to eligible DIEC participants suffering a loss of income when they are unable to perform their usual work due to their own non-industrial or industrial related illness or injury, or a disabling condition due to pregnancy or childbirth.

PFL provides benefits to eligible DIEC participants when they need to take time off from work to care for a seriously ill child, parent, spouse, registered domestic partner or to bond with a new child.

Are you prepared for a rainy day? Consider California’s DIEC created specifically for self-employed individuals and business owners working in California.

Disability Insurance Elective Coverage (DIEC) Forms and Publications

For more information about the DIEC, visit Disability Insurance Elective Coverage (DIEC) Forms and Publications.

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