Loss of wages can hit a fam­i­ly where it hurts the most. Every year, sev­er­al peo­ple sus­tain injuries that impacts their abil­i­ty to work, and results in loss of wages. To sup­port peo­ple with injuries or those who are very ill and can­not work, some states offer State Dis­abil­i­ty Insur­ance. The pro­gram was estab­lished to help peo­ple who can­not work due to non­job-relat­ed injuries, preg­nan­cy, child­birth, or ill­ness­es. The focus of the pro­gram is to sub­sti­tute a part of the ben­e­fi­cia­ry’s salary. Some states such as Rhode Island, Cal­i­for­nia, and New Jer­sey even offer paid fam­i­ly leaves to employ­ees. To help under­stand State Dis­abil­i­ty Insur­ance bet­ter, we look at a few facts relat­ed to it.

Pay­ment Amount

The pay­ment amount is cal­cu­lat­ed based on the beneficiary’s income dur­ing the quar­ter of the base peri­od in which they had the high­est income. Typ­i­cal­ly, the amount paid is in the range of 60–70 per­cent of the person’s reg­u­lar income. The max­i­mum amount that a per­son can receive is $1,216 per week. The total amount that the ben­e­fi­cia­ry receives may not exceed the income earned dur­ing the base period.


● The per­son has been unable to per­form their job-relat­ed respon­si­bil­i­ties for at least eight con­sec­u­tive days.
● The loss of wages should be because of their disability.
● The per­son must be employed; or active­ly look­ing for work, if unem­ployed dur­ing the pay­ment period.
● The ben­e­fi­cia­ry must have earned at least $300 in a quar­ter of their base period.
● The per­son must have start­ed con­sult­ing a licensed physi­cian with­in eight days of the injury.

Peo­ple claim­ing ben­e­fits under the pro­gram must get a cer­tifi­cate detail­ing the nature and inten­si­ty of the dis­abil­i­ty from a cer­ti­fied physi­cian or sur­geon. In some cas­es, author­i­ties may ask the per­son to under­go inde­pen­dent med­ical examinations.

Time Lim­it

Indi­vid­u­als claim­ing ben­e­fits under the pro­gram must file their claim with­in 41 days of the date their injury occurred impact­ing their abil­i­ty to work or look­ing for a job. Late appli­ca­tions can be accept­ed if the per­son mis­un­der­stood some­thing or was late to real­ize that they qual­i­fy for Dis­abil­i­ty Insurance.

Look­ing for more Dis­abil­i­ty Insur­ance Facts? Let Arrow Ben­e­fits Group Help

Your employ­ees will appre­ci­ate your help in assist­ing them in apply­ing for State Dis­abil­i­ty Insur­ance. If you are in Cal­i­for­nia, our expert team at Arrow Ben­e­fits Group would be hap­py to answer all your ques­tions relat­ed to the pro­gram. As one of the lead­ing employ­ee ben­e­fits admin­is­tra­tion com­pa­ny in San Fran­cis­co, we are on a mis­sion to help employ­ers secure their employ­ees’ future. To learn more about us, call at707-992‑3780. Have a sug­ges­tion for us? Fill out our con­tact form.