Disability Insurance

State Disability Insurance (SDI)

Disability benefits are provided through the California State Disability Insurance (SDI) Program, administered by the Employment Development Department (EDD). It provides partial income replacement if you're unable to work due to a qualifying illness, injury, or other medical condition.


Benefit Highlights

  • Replaces 70-90% of eligible earnings (percentage depends on income)
  • Maximum weekly benefit of $1,765
  • Benefits begin after a 7-day waiting period
  • Coverage may continue for up to 52 weeks, provided you continue to meet the state's definition of disability


How to Apply

To receive Short-Term Disability benefits, you must:

  • File a claim with the California Employment Development Department (EDD)
  • Have your healthcare provider certify your disability
  • Meet all eligibility requirements established by the State of California

Long Term Disability (LTD)

For disabilities that extend beyond a short-term absence, Bishop's provides Long Term Disability coverage through Unum at no cost to you. LTD coverage helps replace a portion of your income if a serious illness or injury prevents you from returning to work for an extended period of time.


Benefit Highlights

  • Monthly benefit equal to 66.67% of pre-disability earnings
  • Maximum monthly benefit of $10,000
  • Benefits begin after a 90-day elimination period
  • Benefits may continue through your normal Social Security retirement age, provided you continue to satisfy the plan's definition of disability


If a disability begins at age 65 or older, benefits are payable according to Unum's age-based benefit schedule.