FAQs – Pregnancy
- I’m pregnant and wonder if I can file a claim for State Disability Insurance (SDI) benefits? If so, for how long?
Yes. The usual disability period for a NORMAL pregnancy is up to four weeks before the expected delivery date and up to six weeks after the actual delivery. However, your physician/practitioner may certify to a longer period if the delivery is by Cesarean section, if there are medical complications, or if you are unable to perform your regular or customary job duties.
No. Your claim begins when you are suffering a loss of wages and your physician/practitioner confirms that you have a disability which prevents you from doing your regular or customary job duties. However, if your doctor certifies you must limit your hours of work or modify your work duties due to your pregnancy disability you may be eligible for partial or full disability insurance benefits.
No. Your post-partum benefits are limited to the period that you are actually disabled and incapable of doing your regular or customary work.
- My baby is due in two months. I work as a cosmetologist, but I can’t do all this standing. If I stop work next week, will SDI pay me?
You may be eligible for benefits based on an assessment of all factors, including your age, occupation, job limitations, prior pregnancy history, current medical condition, and your physician’s/practitioner’s certification that you are unable to do your regular or customary work.
- What can I do as a business owner or a self-employed individual to protect myself against loss of income if I become ill or disabled?
The Disability Insurance Elective Coverage program, administered by the Employment Development Department, offers business owners and self-employed individuals the opportunity to protect themselves against loss of income due to injury, pregnancy or illness, whether or not it is work related.
- Are SDI benefits reportable for tax purposes? Disability Insurance (DI) vs. Paid Family Leave (PFL)?
Disability Insurance (DI) benefits are not reportable for tax purposes except when considered to be a substitute for unemployment compensation when paid to an individual who is ineligible for unemployment insurance (UI) benefits solely because of the disability. Only in this instance, where DI benefits are received in lieu of UI benefits, will the EDD provide the claimant with a 1099G form showing amounts paid which are reportable (no more than the original UI maximum) and forward a copy of the 1099G to the Internal Revenue Service (IRS).
Paid Family Leave (PFL) benefits are reportable for federal purposes but not state tax purposes. The EDD will provide all claimants with a 1099G form and forward a copy of the 1099G to the federal IRS. The PFL benefits are not taxable or reportable to the California State Franchise Tax Board.
- Are SDI deductions pre-taxed (deducted from the paycheck prior to paying federal, state and social security taxes)
No, SDI deductions are not pre-taxed.
If you already have an active DI claim for maternity leave, you will automatically be sent the form to transition from DI to PFL for bonding with your new baby. You may also file the PFL claim form through SDI Online.