Self-Employed – Eligibility for Disability Insurance Elective Coverage

Any self-employed individual, independent contractor, or general partner who meets the requirements may apply for Disability Insurance Elective Coverage (DIEC). It is not required that all active general partners be included in the application.

A general partnership also includes a husband and wife as co-owners with both spouses active in the operation and management of the business. Limited partners and corporate officers are not eligible since they are considered to be employees subject to the mandatory provisions of the California Unemployment Insurance Code.

Major Requirements

  • Own your own business, be self-employed, or working as an independent contractor.
  • Have a minimum net profit of $4,600 annually.
  • Possess a valid active license, if required by your occupation.
  • Be able to perform all of your normal duties on a full-time basis at the time your application is submitted.
  • Derive the major portion of your income from your trade, business, or occupation.
  • Business cannot be seasonal.
  • Stay in the program for two complete calendar years unless you discontinue your business or move out of California.


  • You are an employee and not self-employed or working as an independent contractor.
  • Your self-employment is seasonal.
  • The major portion of your work-related income does not come from self-employment activities.
  • Your net profit from self-employment is less than $4,600 annually.
  • You are unable to perform your usual work at the time the DIEC application is submitted for approval.

For additional information visit:

To speak with a representative in the DIEC unit, call 1-916-654-6288 or the EDD Taxpayer Assistance Center at 1-888-745-3886 (TTY users dial the California Relay Service at 711). Representatives are available Monday through Friday; from 8 a.m. until 5 p.m. Offices are closed weekends and holidays.