Disability Benefit Programs in California

Âas determined by doctors and with the agreement of
If you are disabled and unable to work, severalthe Social Security Administration's doctors are
disability insurance and benefit programs are availablesustained. Such impairment prevents the ding of a
to help you pay the bills, return to work or both.substantial work for a year or more.
ÂÂ
Knowing the available disability programs before youThis benefit includes:
need them is an advantage to reap the benefits rightÂ
away. For instance, disability benefits might commence·    Â
on the date you file your claim, not on the date your  monthly pay
disability began. Further, waiting period may be takenÂ
into consideration before disability benefits begin.·    Â
ÂÂ Â Medicare health insurance
Employer Disability Insurance BenefitsÂ
·    Â
Many employers offer disability insurance benefits to  Vocational Rehabilitation, if your
attract and retain employees in addition to health care,disability permits
dental and life insurance benefits. Usually, theseÂ
employers provide both short-term and long-term·    Â
disability insurance benefits.  other employment-support programs
Âthat help you go back to work.
These benefits may be given in various ways such as:Â
ÂYou might also be qualified to receive Supplemental
·    ÂSecurity Income even if you have not paid Social
  Paying 100 % of disability insuranceSecurity taxes.
premiums and providing benefits to all qualifiedÂ
employeesSocial Security Disability Insurance does not cover
Âpartial or short-term disabilities.
·    Â Workers' Compensation Disability Insurance
  Offering disability insurance benefits atBenefits
discounted group rates and giving eligible employeesÂ
the option to choose coverage.Usually, several states require employers from private
Âsector and state government to carry Workers'
·    ÂCompensation Insurance.
  Offering short-term disability insuranceÂ
free and giving entitled employees the option to electMost of the other disability insurance programs cover
long-term disability insurance at discounted group rates.injuries incurred off the job or illness unrelated to the
 State Disability Insurance Benefitsjob. Workers' Compensation Insurance, on the other
Âhand, covers job related injury or illness.
A few states including California offer disability Veterans' Disability Insurance Benefits
insurance benefit programs. If you do not have privateÂ
or employer-provided disability insurance benefits, youThe U.S. Veterans Benefits Administration is a branch
might be covered by your state's program.of the Department of Veterans Affairs that offers
Âtwo disability benefits programs.
Normally, state disability insurance benefits areÂ
administered by the same agency that administersDisability Compensation – a monthly monetary
unemployment insurance. In fact, you might be entitledamount to qualified service members and veterans
to state disability insurance even if you arewho are at least 10 % disabled because of military
unemployed at the start of your disability.service. It includes physical injuries, physical and mental
 Social Security Disability Insurance Benefitsdiseases and posttraumatic stress disorder from
Âsexual trauma.
Benefits under the Social Security Disability InsuranceÂ
may be collected at any age unlike retirement benefitsDisability Pension - an annual monetary pension spread
provided that:equally over 12 months given to qualified wartime
Âveterans who have limited income and unable to work
·    Âor who are 65 or older.
  Social Security taxes are paid.Â
ÂThe above discussion will enlighten you of the various
·    Âbenefits that a disable or an unemployed Californian
  Serious physical or mental impairmentmay enjoy.