Types of Disability Benefits in California

Before diving into the eligibility details, it’s important to understand the two main types of disability benefits:

• Social Security Disability Insurance (SSDI): Based on your work history and the amount of Social Security taxes you’ve paid.
• Supplemental Security Income (SSI): Needs-based benefits for individuals with limited income and resources, regardless of work history.

Additionally, California offers its own State Disability Insurance (SDI) program for short-term disabilities, which is separate from federal SSDI and SSI programs.

Basic Eligibility Requirements

To qualify for disability benefits in California, you need to meet specific criteria. These include both general federal guidelines and, in some cases, state-specific factors.

Work Credits for SSDI

For SSDI, you must have earned enough work credits. Generally, you need:

• A history of working in jobs covered by Social Security.
• Typically, 40 credits are required, 20 of which were earned in the last 10 years ending with the year you became disabled.
• Younger workers may qualify with fewer credits.

Medical Eligibility

Your disability must meet the following:

• A severe medical condition that prevents you from performing substantial gainful activity (SGA).
• Expected to last at least 12 months or result in death.
• Listed in the Social Security Administration’s Listing of Impairments, or severe enough to limit basic work-related activities.

Financial Eligibility for SSI

For SSI applicants:

• Limited income: Includes wages, Social Security benefits, and free food or shelter.
• Limited resources: Countable assets must not exceed $2,000 for individuals or $3,000 for couples.
• Residency: Must be a U.S. citizen or qualified alien, and reside in the United States (California residents are eligible).

California State Disability Insurance (SDI)

If you’re applying for California’s SDI program (short-term disability), you need to meet these state-specific criteria:

• Paid into the SDI program through payroll deductions.
• Unable to work due to a non-work-related illness, injury, or pregnancy.
• Earned at least $300 from which SDI deductions were withheld.
• Provide medical certification of your disability.

Gathering the Necessary Documentation

Strong documentation is key to proving eligibility.

• Medical Records: Doctor’s reports, hospital records, test results.
• Employment History: Pay stubs, tax records, and details of past employers.
• Proof of Income and Assets: Bank statements, property ownership documents, etc.
• Identification Documents: Birth certificate, Social Security number, proof of residency.

Applying for Disability Benefits in California

You can apply for SSDI and SSI benefits in several ways:

• Online: At ssa.gov.
• By Phone: Call 1-800-772-1213.
• In Person: Visit your local Social Security office.

For California SDI:

• Apply online at edd.ca.gov or submit a paper application.
• File within 49 days of becoming disabled to avoid losing benefits.

Common Reasons for Denial

Understanding common pitfalls can help you avoid mistakes:

• Insufficient medical evidence.
• Incomplete application forms.
• Failure to meet financial limits for SSI.
• Not enough work credits for SSDI.

If denied, remember: you have the right to appeal.