Information on State Disability Funds Distribution

Depending on the state you live in, you might  qualify for state disability insurance. Many employees have a part of their income taken out of their paychecks for State Disability Insurance. The money is deposited into a state disability insurance fund. If you have suffered a disability and you have paid into the state disability insurance fund, you should be able to get a benefit from the fund. Some state disability insurance funds also pay out disbursements for time taken out from work that is not because of injury.

The reasons for payout include pregnancy, time taken to be with a new born child or time taken off to be with a sick relative. Some funds have additional requirements. For example, you might have had to miss work for more than seven days without paid leave. If you are unemployed, you might have to demonstrate that you have been actively looking for work. Depending on the state you are filing your claim with, you might have to be under the care of a medical provider for a number of days at the beginning of your disability, and stay under medical care while you are receiving benefits.

Your Base Period

Your state disability fund will probably determine your regular  wages during a base period. This might be a yearlong period starting 17 months before our disability and ending 5 months before it. This period might be divided into 4 quarters, and the quarter with the highest amount of wages might be used to determine your benefit. You might have to have a minimum base wage in order to qualify for the state insurance benefit.

State Disability Insurance Benefits

State disability insurance benefits vary from state to state. Often they pay an amount of money that is about half of your wages. The benefit might have a limit of a year or so. The amount of your benefit is based on your base wage described above. Your state might have different disbursement rules or very high or very low incomes. There also might be a maximum weekly disbursement.  Under special circumstances, you might be able to use wages from a previous quarter, if your wages were unnaturally low during the base period.

You should receive your first benefit check within 2 weeks of filing as successful claim. It will be disbursed every two weeks, until your benefit has run out. Some checks might come with a form that tries to assess if you are still disabled. Be sure to fill out this form truthfully, as if the government finds out your continued claim is false, you will be responsible for paying back the overpayment. You are also responsible for indicating whether you have returned to full or part time, or whether you have come in to another source of income.

Your benefit period ends on the date that your physician listed on the initial claim form. You can often receive a benefit for longer than 52 weeks if you have returned to work for  a time, as long as the total benefit amount does not exceed 52 times your  weekly pay.