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Insurance and Disability Benefits: California

Insurance and Disability Benefits requirements for other states

Federal law and guidance on this subject should be reviewed together with this section.

Author: Gloria Ju


  • California employers are not required to provide life insurance benefits. If life insurance benefits are provided, certain requirements must be met. See Group Life Insurance.
  • If a California employer offers group life insurance, premiums for the policies may be paid by different sources. See Employer Contribution and Coverage Requirements.
  • Employees are entitled to a minimum grace period for paying premiums. See Grace Period.
  • Group life insurance policies may be converted to individual policies under some circumstances. See Conversion Rights.
  • California's State Disability Insurance (SDI) program provides up to 52 weeks of partial wage replacement for employees who are unable to work due to a nonwork injury or illness, including pregnancy-related conditions. See Temporary Disability Insurance.
  • The SDI program also includes a Family Temporary Disability Insurance (FTDI) program, which provides up to six weeks of paid family leave (PFL) insurance benefits for employees to care for a seriously ill family member or to bond with a newborn baby, newly adopted child or newly placed foster child. See Paid Family Leave Insurance.
  • San Francisco has requirements pertaining to Insurance and Disability Benefits. See Local Requirements.