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Short-Term Disability Insurance (STD)

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    Short-Term Disability Insurance (STD)

    Other Information

    • STD benefits are taxable, but you may be able to avoid paying taxes on benefits by paying taxes on the premiums. Contact your income tax professional for more information.
    • STD policies will subtract any assistance you’re getting from other insurance programs. So, for example, if your benefit is $500 a month and you begin to receive an SSDI check for $100 a month, your STD benefit will be reduced to $400 a month.
    • Some employers require that you participate in their retirement fund in order to be eligible for STD benefits.

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    Long-Term Disability Insurance

    Private insurance for people who paid premiums or whose employers did. LTD may continue for years.

    California State Disability Insurance (SDI)

    SDI helps Californians who worked, paid SDI taxes, and now can't work because of a non-job-related disability.

    Social Security Disability Insurance (SSDI)

    SSDI helps people with disabilities who worked and paid Social Security taxes.