Step 1: Understand the Different Types of Disability Benefits in California

There are two primary types of disability benefits you may qualify for in California:

• State Disability Insurance (SDI): This is a California state-run program that provides temporary disability benefits to workers who are unable to work due to a non-work-related illness, injury, or pregnancy. It's available to workers who are employed and contribute to the California State Disability Insurance program through payroll deductions.
• Social Security Disability Insurance (SSDI): This is a federal program for workers who have worked and paid into the Social Security system and are unable to work due to a long-term disability.
• Supplemental Security Income (SSI): This is another federal program, but it’s based on financial need rather than work history. It provides benefits to low-income individuals who are disabled, blind, or aged 65 or older.

Each program has specific eligibility criteria, so it’s important to understand which program is right for your situation before applying.

Step 2: Apply for State Disability Insurance (SDI)

If you’re a California worker and have been paying into the SDI system, you can apply for State Disability Insurance (SDI) benefits if you are temporarily unable to work due to a disability.

Eligibility for SDI

To be eligible for SDI, you must:

• Be unable to perform your regular or customary work due to a medical condition.
• Be under the care and treatment of a licensed doctor or healthcare provider.
• Have worked and earned wages in California that were subject to SDI deductions.
• Be employed or self-employed at the time your disability began.

How to Apply for SDI

• File a Claim Online: The fastest way to apply is through the California Employment Development Department (EDD) website. Visit the EDD Disability Insurance page and create an account to file your claim online.
• File by Mail: If you prefer to file by mail, you can download a Disability Insurance (DI) claim form (DE 2501) from the EDD website, complete it, and mail it to the address provided on the form.
• Submit Required Documentation: You’ll need to provide documentation such as:
• Your personal information, including Social Security number and contact information.
• Medical certification from your doctor to verify your disability.
• Employment information, including the date you stopped working and your income history.
• Follow Up: After submitting your application, be sure to follow up with the EDD for any additional information or documentation they may need. The EDD will review your claim and notify you if you’re approved.
  

SDI Payment Details

Once your claim is approved, SDI benefits will be paid directly to you through either direct deposit or a debit card. Payments typically start within two weeks after your claim is approved.

Step 3: Apply for SSDI and SSI Benefits

If your disability is expected to last for at least 12 months or result in death, you may qualify for SSDI or SSI benefits. Here’s how you can apply for federal disability benefits in California.

Eligibility for SSI

To qualify for SSI, you must:

• Have a disability, blindness, or be aged 65 or older.
• Have limited income and resources (SSI is need-based).

How to Apply for SSDI or SSI in California

• Online Application: The Social Security Administration (SSA) allows you to apply for SSDI or SSI online. Simply visit the SSA website (www.ssa.gov) and follow the steps to fill out the Disability Application. The online application will ask for information about your medical condition, work history, and other personal details.
• By Phone: You can also apply by calling the SSA at 1-800-772-1213. A representative will help you complete your application over the phone.
• In Person: If you prefer to apply in person, visit your local Social Security office. It’s a good idea to schedule an appointment beforehand to minimize waiting time.
• Gather Necessary Documents: Be sure to have the following documents on hand when applying for SSDI or SSI:
• Personal Information: Your Social Security number, birth certificate, and bank account information for direct deposit.
• Medical Records: Detailed records from your treating physicians, hospitals, or clinics that outline your disability and how it prevents you from working.
• Work History: Information about your work history, including job titles, dates, and employers.
• Income and Resources (for SSI): If applying for SSI, be ready to provide details about your financial situation, including income, assets, and household resources.

Wait for a Decision

The application process for SSDI and SSI benefits can take several months. Typically, you can expect a decision within 3-5 months of applying, though it may take longer depending on the complexity of your case.

If your application is denied, you have the right to appeal the decision. The SSA has a formal appeal process, and it’s common for initial applications to be denied.

Step 4: Consider Getting Help with Your Application

The disability application process can be confusing, especially if you’re dealing with complex medical conditions. While it’s possible to apply on your own, many applicants find it helpful to consult with a disability attorney or advocate. An attorney can help you with:

• Ensuring your application is complete and thorough.
• Gathering and organizing medical evidence to support your claim.
• Representing you during the appeals process if your claim is denied.