Disability pay provides crucial financial support for those unable to work due to illness or injury. The amount of disability pay depends on your earnings before your disability occurred. The state calculates benefits based on a percentage of your wages over a specific period. Knowing how these calculations work allows you to estimate your benefits.
Calculating disability pay
The SDI program generally pays 60% to 70% of your average weekly earnings, depending on your income level. To determine your average weekly earnings, the state looks at the highest-paid quarter during a 12-month base period. This base period usually covers the 5 to 18 months before your disability claim.
Maximum and minimum benefits
The state sets both maximum and minimum benefit amounts for disability pay. As of 2024, the maximum weekly benefit is $1,620, while the minimum is $50. If your calculated benefit falls below $50, the state raises it to the minimum. These amounts ensure workers receive enough support during their recovery.
Duration of benefits
Disability pay doesn’t last forever. The SDI program offers benefits for up to 52 weeks. However, the exact length of time you receive payments depends on your medical condition and doctor’s assessment. Regular evaluations determine your eligibility for continued benefits, so staying in touch with your healthcare provider remains essential.
Planning your finances
Understanding how much disability compensation you might receive helps with financial planning during difficult times. The state’s SDI program aims to provide support, but knowing the specifics of how benefits work allows you to better prepare for your time away from work. Consider how these benefits fit into your overall financial picture and plan accordingly.