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 longer periods if there are medical complications, if you are unable to perform your regular or customary job duties, or to a longer post-partum period if the delivery is by Cesarean section.
No. Your claim begins when you lose wages and your physician/practitioner confirms that you are unable to do your regular or customary job duties. However, if your physician/practitioner 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 benefits.
No. Your post-partum benefits are limited to the period that you are unable to do 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 unable to work due to a disability?
The Disability Insurance Elective Coverage program, administered by the Employment Development Department, offers business owners and self-employed individuals the option 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) versus Paid Family Leave (PFL)?
Your DI benefits are not reportable for tax purposes with one exception. If you are receiving Unemployment Insurance (UI) benefits, become unable to work due to a disability, and begin receiving DI benefits, your DI benefits are considered a substitution for your UI benefits and will then be reportable for tax purposes.
If DI benefits are reportable, a notice will accompany the first benefit payment sent to you advising that the benefits are being reported to the Internal Revenue Service (IRS). In January the EDD will provide you with a 1099G form showing the reportable amounts paid (no more than the original UI maximum) and forward a copy of the 1099G to the Internal Revenue Service.
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. 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.
Yes. 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 bonding claim form through SDI Online.
First 5 California provides resources, support, programs, and information for children ages 0 to 5 and their families.