Disability insurance is an insurance product designed to provide income when a policyholder is unable to work due to a disability. This kind of insurance can be obtained through the government via the Social Security System, or from private insurance companies. The compensation from disability insurance relates to the lost income caused by the disability, covering part of the income that a now-disabled worker would have potentially earned.

To qualify for government-sponsored disability insurance, you must prove that your disability is severe enough to prevent you from performing any meaningful work. The Social Security System also requires proof that your disability will last at least 12 months or result in death. The terms of private plans can be different. Some require only that the policyholder is no longer able to continue in their previous line of work.

Disability insurance premiums vary according to the terms and conditions of the plan. Features such as the length of the waiting period before benefits can be claimed, the duration of benefits, and the strictness of the disability definition under the policy, all affect the premium.

In the U.S., the Social Security System administers a form of disability insurance, but getting the information you need or navigating the system can be challenging for those unfamiliar with it. If you’re in need of disability insurance and need help on how to contact SDI, you might consider visiting websites like eddcaller.com, which can help you understand how to reach a live person or agent at EDD California. These sites offer valuable information on how to get through to EDD and speak to a representative about your needs.