CASDI

CASDI stands for California State Disability Insurance. It is a state-run program that provides partial wage replacement to eligible California workers who are unable to work due to a non-work-related illness, injury, or pregnancy. CASDI is funded through employee payroll deductions and is administered by the Employment Development Department (EDD) of California.

CASDI is separate from workers’ compensation (which covers job-related injuries) and is designed to provide short-term financial support while a person is medically unable to perform their job duties.

Key Facts

• Who Pays for It: Employees pay into CASDI through payroll deductions, typically shown on pay stubs as “CASDI” or “SDI”. It is important to note that the employer does not contribute directly (unlike Social Security or Medicare).
• 2025 Tax Details (Subject to Change):
  
  • CASDI contribution rate: ~0.9% of wages (up to an annual wage limit).
  • Maximum taxable wage limit: ~$168,600 (varies annually).
  • Maximum weekly benefit: ~$1,620/week (depending on income).
  • (Exact rates and limits are set annually by the EDD.)
• Covers: Non-work-related illnesses or injuries, pregnancy and childbirth recovery, certain elective surgeries or mental health conditions, and paid Family Leave (PFL) is also part of the SDI program (to care for a sick relative or bond with a new child).
• Benefit Duration: Up to 52 weeks for most disabilities or 8 weeks for Paid Family Leave (PFL)
• Eligibility Requirements:
  
  • Must have earned at least $300 in wages from which SDI taxes were withheld
  • Must be under the care of a licensed medical professional
  • Must submit a claim within 49 days of becoming disabled
• Job Protection: CASDI does not guarantee job protection, but it can be used in coordination with FMLA, CFRA, or employer leave policies that do.

1. What is CASDI and how does it work?

CASDI is a state disability insurance program in California that provides short-term income replacement to workers who can’t work due to non-job-related health issues or pregnancy. It is funded by employee payroll deductions.

2. Who is eligible for CASDI benefits?

You may be eligible if you:

• Are unable to work due to a disability or pregnancy
• Have earned enough income and paid into the SDI fund
• Are under medical care and submit your claim on time

3. How much money will I get from CASDI?

The amount is based on your income during a base period. For most, it covers 60–70% of wages, up to a weekly maximum (around $1,620 as of 2025).

4. How do I apply for CASDI?

Apply online through the EDD’s SDI portal. You’ll need to provide personal info, wage history, and a certification from a licensed healthcare provider.

5. Does CASDI protect my job while I’m on leave?

No, CASDI does not provide job protection, but you may be protected under other laws like the Family and Medical Leave Act (FMLA) or California Family Rights Act (CFRA) if you qualify.