Self-Employed – Disability Insurance Elective Coverage (DIEC)
The Employment Development Department (EDD) offers an optional DIEC program for employers and self-employed individuals who are not required to pay into State Disability Insurance (SDI), but want to be covered by Disability Insurance (DI) and Paid Family Leave (PFL). It is funded through quarterly premiums and can protect you against partial loss of income when you are unable to work.
DI provides benefits to eligible DIEC participants when they are unable to work and lose wages due to their own non-work-related illness, injury, 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, parent-in-law, grandparent, grandchild, sibling, spouse, or registered domestic partner or to bond with a new child entering the family through childbirth, adoption, or foster care placement.
For more information about DIEC, visit Disability Insurance Elective Coverage Forms and Publications.