State Disability Insurance

State-Mandated Disability Insurance: SDI, Non Work-Related Injury / Illness

State Disability Insurance (SDI) is a partial wage-replacement insurance plan for workers. SDI programs are State-mandated, where applicable, and funded through employee payroll deductions.

The benefits specialists at Russell Benefits Consulting can provide information about SDI and how it may pertain to your company.

State Disability Insurance: Protection Against Non Work-Related Injury and Illness

SDI provides affordable, short-term benefits to eligible workers who suffer a loss of wages when they are unable to work due to a Non Work-Related illness or injury, or a medically disabling condition from pregnancy or childbirth.

Five states and one Commonwealth offer a disability insurance program. They are California, Rhode Island, New Jersey, New York and Hawaii, and the Commonwealth of Puerto Rico. Each state operates its program independently.

Employee Benefits Administrator Groups

To remove the burden and cost from employers, we also administer these programs. Learn more at Employee Benefits Management / Administration

Benefits of State-Mandated SDI Coverage

While not all State-Mandated Disability Programs provide the same areas and levels of coverage, aspects of the various states' plans are similar in nature:

• SDI coverage "travels" with the worker. Coverage is not dependent on staying with a specific employer.
   
• SDI coverage is mandatory for most workers in the state
   
• SDI may pay up to 52 weeks of benefits with a waiting period of only seven days, although this varies greatly from state to state
   
• SDI is non-exclusionary. Eligible workers' coverage cannot be canceled or denied because of health risk factors, pre-existing medical conditions, or hazardous employment
   
• Payroll deductions for all covered workers are based on the same low contribution rate