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BENEFITS OF CALIFORNIA SDI COVERAGE:

SDI coverage "travels" with the worker. Coverage is not dependent on residing with a specific employer.

SDI coverage is obligatory for most California workers.

SDI is non-exclusionary. An eligible worker's coverage cannot be canceled or denied because of health risk factors, pre-existing       medical conditions, or hazardous employment.

SDI may disburse up to 52 weeks of benefits with a waiting period of only seven days.

Payroll deductions for all covered workers are based on the same low contribution rate.

SDI PLANS: The Disability Insurance Branch of the California Employment Development Department (EDD) administers three disability insurance plans:

State Plan: The greater part of employees in California is covered by this plan, and most of the information provided on the Disability Insurance portion of this site pertains to the State Plan.

Voluntary Plan: This is a confidential plan, approved by the Director of EDD, which may be replaced for the State Plan. Employers and employee groups may establish Voluntary plans if the majority of employees and the employer agree to do so. If you are covered by a Voluntary Plan, the necessities of this site may not apply to you. Obtain information about your coverage and file a voluntary plan claim through your employer.

Elective Coverage: Employers and self-employed persons, including general partners, may elect coverage. However, the method of computing benefits for elective coverage participants is not similar as for employees whose coverage by the State Plan is mandated. The information about the cost of participating, which is set annually, can be obtained by contacting your local EDD. Individuals in family employment who are not subjected to the California Unemployment Insurance Code may also elect coverage at the same rate as employees covered by the State Plan and with the same benefits as the State Plan.

HOSPITAL INDEMINITY INSURANCE:

This insurance offers limited coverage. It pays a fixed amount for each day, up to a maximum number of days. You may use it for medical or other expenses. Usually, the amount you receive will be less than the cost of a hospital stay. Some hospital indemnity policies will pay the specified daily amount even if you have other health insurance policies. Others may organize benefits, so that the money you receive does not equal more than 100 percent of the hospital bill. National Security is building insurance easier to understand, easier to obtain and easier to afford. Our Hospital Indemnity Insurance helps fill the financial gap left by major medical coverage and is accessible for individuals and families. With simple rate structures and three easy-to understand benefit plans, this coverage is an idyllic supplemental policy in any employee benefits program. For hospital confinement due to sickness or accident, this policy pays a daily or monthly benefit beginning the first day of hospital stay - with no waiting or elimination period - and coverage continues for as long as it is needed.

Four rate structures are available: individual, husband and wife, family and one-parent family. The employee chooses the number of people to be covered under the policy and the number of units of coverage. These factors as well as the employee’s age determine the premium. IF both insured spouses are hospitalized at the same time due to an accident, the basic benefit doubles for each spouse.

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