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State Disability Insurance (SDI)

Get Medical Certification for State Disability Online Today

A board-certified medical professional handles your evaluation and paperwork for state disability programs in CA, NY, NJ, RI & HI.
Fully licensed doctors
100% Money-Back  Guarantee
4.8/5
from 250,000+ patients

ACCEPTED BY ALL MAJOR EMPLOYERS

What Is State Disability — And What Else You May Qualify For

State disability programs replace a portion of your income when a medical condition prevents you from working. Multiple programs may apply to you — here's how each one works.
state Law

State Disability – Replaces Your Wages

Government-run income replacement when a medical condition prevents you from working. Available in 5 states (CA, NY, NJ, RI, HI) — funded through payroll deductions you're already paying.
What Does FMLA Cover?
Your own illness or injury
Pregnancy and recovery
Surgery and recovery
Mental health conditions
Federal Law

FMLA - Protects Your Job

Up to 12 weeks of leave where your employer must hold your position and continue your health benefits. Take it all at once, intermittently, or as a reduced schedule.
What Does FMLA Cover?
Your own serious health condition
Caring for a family member
Bonding with a new child
Military caregiver or qualifying exigency
state Law

Paid Leave – Family & Medical

Partial wage replacement while you take time off to bond with a new child or care for a seriously ill family member. Available in 15 states and growing.
What Does FMLA Cover?
Bonding with a new child
Caring for a seriously ill family member
Military family needs
Your own medical condition (some states)
ADA Protection

Workplace Accommodations

Requires employers to provide reasonable accommodations for employees with disabilities. Covers changes to your work environment, schedule, or duties.
What Does ADA Cover?
Modified work schedule
Remote work arrangements
Job restructuring
Leave as a reasonable accommodation

From Initial Approval, to Return to Work We've Got You

Most services hand you forms and disappear. We stay with you through every step.

Real Evaluations by Board Certified Providers

Take our 3 minute quiz, then meet with a licensed provider via video. They evaluate whether you qualify for FMLA, Paid Leave, Disability, ADA Accommodations.

Forms Completed in 48hrs.
Never Miss an HR Deadline.

All forms are completed in 48 hours guaranteed.
Submit forms on time, every time.

HR Has Questions? We Handle It.

If your employer needs clarification, or changes - We take care of it at no extra cost. Free modifications, forever.
One Visit. Everything Handled.
Most people qualify for multiple programs but don't know it. TrustMedical evaluates all programs in a single 15-minute video consultation and handles all the documentation.
State Disability Certification
(income replacement)
FMLA Certification
(job protection)
Paid Leave Documentation
(state wage replacement)
ADA Accommodation Letters
(workplace changes)
Return-to-Work Clearance
(when you're ready)

State Disability Benefits at a Glance

Five states require employers to provide disability insurance. Here's how each program compares.
State
Program
Max Weekly
Duration
Wage Replacement
State
California
Program
SDI
Max Weekly Benefit
$1,765/wk
Duration
Up to 52 weeks
Wage Replacement
60-70%
State
New York
Program
DBL
Max Weekly Benefit
$170/wk
Duration
26 weeks
Wage Replacement
50%
State
New Jersey
Program
TDI
Max Weekly Benefit
$1,119/wk
Duration
26 weeks
Wage Replacement
85%
State
Rhode Island
Program
TDI
Max Weekly Benefit
$1,077/wk
Duration
30 weeks
Wage Replacement
~60%
State
Hawaii
Program
TDI
Max Weekly Benefit
$765/wk
Duration
26 weeks
Wage Replacement
58%
Don't see your state?
You likely still qualify for FMLA, short-term disability, or your employer's leave plan.

Coming Soon

New and expanding state programs in 2026–2028
Last updated March 2026
May 2026
Jul 2026
2027–28
2027–28
Maine
NEW PROGRAM
12 weeks at up to 90% wage replacement.
New Jersey
NEW PROGRAM
Expanding to employers with 15+ employees. Eligibility reduced to 3 months.
Washington
NEW PROGRAM
Job restoration expanding to 15+ (2027) then 8+ employees (2028).
Maryland
NEW PROGRAM
Contributions begin 2027. Benefits expected 2027–2028.
HELPING YOU SAVE MONEY

Many Health Insurers Reimburse up to 100%

We provide a superbill you can submit to your insurance for reimbursement. Many patients pay $0 out of pocket.

Real Stories From Real Patients

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Verified TrustMedical patient review
Kelsey B.
‍Pennsylvania
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March 24, 2025
A service you can trust!
"My entire experience was easy, quick & extremely pleasant! Now the BEST part is you're dealing with REAL HUMAN BEINGS! I will absolutely recommend My Trust Medical to everyone..hopefully you all have the pleasure of having Michael &/or James in your corner as I had today! They are both dolls!"
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Wesley B.
Alabama
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April 8, 2025
The customer service was awesome
"Recently received a note from Trust Medical and the service was incredible! The note was delivered to me promptly and I even received exceptional support for a follow-up concern!"
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Maria G.
South Carolina
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March 21, 2025
They take away the stress.
"I genuinely love this website. It’s the second time I used it and I never been more grateful that something like this exists. It goes through a legit doctor so you don’t have to worry about false documents. And it literally the cost of me same amount as my co-pay without any extra charge."

Backed by the country's leading Medical Leave & Labor Law Experts

Trust Medical's world-leading experts and advisors enable us to deliver high-quality doctors notes, medical leave evaluations, certifications, and support at scale. Their combined medical and labor law expertise guides our standards and makes it easier for millions of patients to take the time they need to fully recover and get back to their day to day lives.
Board-certified 20+ years experience in medical specialties
Industry innovations Published studies in top medical journals
Policy expertise Deep knowledge of FMLA, ADA, and state leave laws
Board-certified FMLA healthcare provider
Dr. Jason Buchwald
Board Certified MD — Emergency Medicine
Emergency medicine specialist with deep expertise in acute care evaluations and medical certifications.
DNP Frankie Freida
Board Certified DNP
Family medicine specialist with expertise in primary care evaluations, chronic condition management
Board-certified FMLA healthcare provider
Dr. Benjamin Wallace
Board Certified DO — Emergency Medicine
Specializes in emergency medicine with expertise in  virtual care and preventive medicine.
APRN Jessica McGlone
Board Certified NP
Family medicine specialist with deep expertise in primary care evaluations and medical certifications.
Babak Daftari, MD
Board Certified Doctor
Specialize in pediatric cardiology and also work as a pediatric urgent care physician.
DNP Dr. Peggy Eribenne
Board Certified Family Medicine
Family medicine specialist with expertise in primary care evaluations, chronic condition management
Board-certified FMLA healthcare provider
Dr. Abhishek Patel
Board Certified DO — Osteopathic Medicine
Whole-patient approach specialist focused on musculoskeletal conditions, chronic pain, and rehabilitation.
DNP Jessica Ramos
Board certified in family medicine
Family medicine specialist with expertise in primary care evaluations, chronic condition management

How State Disability Differs From Employer STD

How State Disability Differs From Employer STD
Employer STD
State Program
Source
Government program
Private insurance
Funding
Payroll tax deductions
Employer-paid premiums
Eligibility
State earnings requirements
Employer plan rules
Benefit calculation
State formula based on wages
Plan-specific (usually 50-70%)
Who administers
State agency (EDD, etc.)
Insurance carrier (MetLife, Guardian)
Portability
Follows you between employers
Tied to specific employer
You might have both. If you work in a mandatory state and your employer also offers STD coverage, the programs may coordinate — with your employer "topping up" state payments to bring you closer to your full salary.

What Conditions Qualify for State Disability?

State disability covers your own medical condition — any illness, injury, or condition that prevents you from doing your job.
Important distinction
State disability covers your own medical condition only. Caring for a family member is covered under Paid Family Leave, not state disability.
Surgery Recovery
Post-operative recovery periods where you can't perform your job duties.
Pregnancy & Postpartum
Coverage for delivery recovery — typically 6 weeks vaginal, 8 weeks c-section.
Serious Illness
Cancer treatment, cardiac events, organ conditions, and other major diagnoses.
Mental Health
Depression, anxiety, PTSD, bipolar disorder, severe burnout, and panic disorder.
Musculoskeletal Injuries
Back injuries, joint problems, fractures, and other physical impairments.
Chronic Condition Flare-Ups
Crohn's, lupus, MS, fibromyalgia, and other conditions during acute episodes.
Not sure if your condition qualifies?

How State Disability Works With Other Programs

Most employees only file for one program when they actually qualify for two or three. FMLA protects your job but doesn't pay you. State disability pays you but doesn't protect your job. You likely need both — and may also qualify for paid family leave or employer benefits on top. TrustMedical evaluates all of them in a single visit so you don't miss any.
Week 1
Week 6
Week 12
Week 26
FMLA
Job protection
State Disability
Income replacement
Paid Family Leave
Bonding after recovery
Employer STD
May top up state pay
12 weeks
Up to 26-52 weeks
8-12 weeks
Varies by employer
Programs run concurrently, not back-to-back. TrustMedical handles documentation for all of them in a single visit.

How to File a State Disability Claim

The process varies by state, but the core steps are the same.

Check if Your State Has a Program

State disability insurance is mandatory in California, New York, New Jersey, Rhode Island, and Hawaii. If you work in one of these states, you're likely already enrolled through payroll deductions.

File Your Claim Online With Your State Agency

Each state has its own filing process: California files through the Employment Development Department (EDD), New York through the Workers' Compensation Board, New Jersey and Rhode Island through their Departments of Labor, and Hawaii through the Department of Labor and Industrial Relations.

Have Your Medical Provider Complete the Certification

This is the most critical step. Your provider must document your diagnosis, explain how your condition prevents you from performing your job duties, outline your treatment plan, and provide an expected return-to-work date.

Submit All Documentation to Your State Agency

Send completed forms to your state's disability program. Keep copies of everything. Most states accept online submissions.

Receive Your Determination

Send completed forms to your state's disability program. Keep copies of everything. Most states accept online submissions.
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2
3
4
5
All 5 State Forms
Certification forms for every mandatory state program
TrustMedical providers complete state disability certification forms for all 5 mandatory states — proper documentation is the most important part of the process.

FAQ

What factors affect FMLA or paid leave approval?

FMLA approval depends on a few key factors:

1. Employment eligibility
You must have worked for your employer long enough and be working for an employer that is covered under FMLA. Employers with more than 50 employees are covered under FMLA.

2. A qualifying medical condition
Your leave must be for a condition that qualifies under FMLA. A licensed healthcare provider must evaluate your situation and certify that you meet one of these qualifying conditions.

If both of these criteria are met, your employer is required to grant FMLA leave. The employer’s role is to review the certification for completeness and administer the leave, not to change the requirements. Paid leave approval is dependent on your state specific rules and requirements.

93% of customers who apply for FMLA through Trust Medical receive it and over 80% qualify for additional protections. Additionally, for all customers who receive medical certifications from Trust Medical 98% have no issues when submitting their documentation to their employers.

What conditions qualify for FMLA, Paid Leave, or Disability Certification?

Most physical and mental health conditions qualify for at least one type of leave protection. The same condition often qualifies for multiple programs simultaneously. This includes, FMLA for job protection, state paid leave for income replacement,  and disability for extended coverage. Here's how each works.  
‍
Conditions That Qualify for FMLA
‍

- Birth and care of a newborn child.
- Adoption or foster care placement of a child.
- Care for a spouse, child, or parent with a serious health condition.
- The employee’s own serious health condition that prevents them from attending work.

>90% of Trust Medical's patients get FMLA for their own serious health condition.

Conditions That Qualify for State Paid Leave                    
‍
It depends on the state because each has its own forms and requirements. That said, the qualifying conditions for state paid leave are broadly similar and typically include: your own serious health condition, caring for a family member, bonding with a new child, or pregnancy-related needs.
‍
Thirteen states plus DC currently have paid family and medical leave programs. These states are: California, New Jersey, Rhode Island,  New York, Washington, Massachusetts, Connecticut, Oregon, Colorado, DC, Delaware, Minnesota, and Maine. Maryland  launches in 2028.

‍Conditions That Qualify for Disability Certification            
‍
 The conditions that qualify for disability are broadly similar to paid leave and FMLA. The conditions include:
‍
- Pregnancy and childbirth recovery (4-6 weeks vaginal delivery, 6-8 weeks C-section)
- Surgery recovery  
- Severe injuries
- Mental health conditions including depression, anxiety, and PTSD
- Chronic condition flares (migraines, fibromyalgia, lupus)
- Cancer treatment

Five states have mandatory disability programs (California, New York, New Jersey, Rhode Island, Hawaii), while many employers offer private short-term disability insurance. Disability benefits typically replace 50-90% of your wages  for up to 26-52 weeks depending on the program.

Can I get FMLA, Paid Leave, or Disability for mental health?

Yes. Anxiety, depression, PTSD, and other mental health conditions qualify if they meet the "serious health condition" criteria, meaning you need continuing treatment from a healthcare provider. This includes conditions requiring medication, regular therapy, or that prevent you from working for 3+ days.

51% of Trust Medical patients get FMLA and paid leave for mental health. We can help you even if you don't have a preexisting diagnosis.

Take our pre-qualification quiz to see if your mental health condition qualifies for FMLA and Paid Leave.
Can you help if my FMLA or Paid leave needs to start retroactively (in the past)?

If you’re requesting an FMLA or paid leave certification with a start date further in the past, we’ll need existing medical documentation that shows you were evaluated or treated during that earlier period. This is required to ensure the certification is accurate and compliant.

How quickly will I get my completed FMLA or Paid Leave forms?

We complete FMLA or Paid Leave forms within 24 hours of your consultation with the healthcare provider.

Can the healthcare provider help me if I don't have a diagnosis yet?

You don’t need a formal diagnosis to qualify for FMLA or Paid Leave. The healthcare provider will focus on understanding what you’re going through and whether your situation qualifies for protected leave. While they don’t diagnose or treat, they can help certify your leave and guide you toward appropriate next steps so you can take time off and focus on feeling better.

What medical certification services do you offer?

We offer online FMLA, Paid Leave, and Disability certification. This includes the following:

- Intermittent FMLA Certification
- Continuous FMLA Certification
- Reduced Schedule FMLA Certification
- Return to Work Forms
- Paid Leave Forms
- Employer Short Term Disability
- State Disability
- ADA
‍

Each service requires a 10-minute video consultation with one of our board-certified healthcare providers and we have a 98% acceptance rate with employers given our adherence to a high standard of medical care as well as professional documentation. We also have 4.8 stars on Trust Pilot from thousands of patient visits.

How does the process for FMLA, Paid Leave, or Disability certification work with Trust Medical?

Here’s the step-by-step process:

Complete the medical intake: This is a short form that helps us expedite your consult.

‍Book a 10-minute video appointment: Choose a time that works for you.

‍Attend your video consultation: During the 10-minute video visit, the healthcare provider will discuss your condition, and treatment options if needed. They will also inform you on the call whether you qualify for FMLA, paid leave, or any other programs. They will also let you know if there are any steps you need to take in order to qualify.

‍Receive your paperwork: Your completed certification paperwork will be provided to you within 24 hours of the video visit.

How do I book an appointment?

To book an appointment, simply visit our website, complete the intake, pay a $50 deposit to reserve your spot, and schedule your 10-minute video consultation with one of our Board-Certified healthcare providers. After booking, you’ll receive an email with further instructions, including the intake form and portal registration.

How can I access my completed FMLA, Paid Leave, or Disability paperwork?

Your completed certification paperwork will provided to you via email within 24 hours after your video visit. You will have 24/7 access to this information.

What does the verification process for employers look like?

Employers can verify certifications through our dedicated employer verification line here: 844-282-2731. This line is staffed from 8am-8pm, Monday through Sunday. by real humans who are deeply experienced in medical leave, fmla, paid leave, and disability. Your employer can use our verification process to confirm the authenticity of the forms and that they were issued from our offices.  During the employer verification call we maintain your medical privacy per healthcare privacy regulations.

What sets Trust Medical apart?

People trust us because Trust Medical is built for every person who touches your medical certification.

Your HR team gets a complete, properly formatted document with everything they need to process your leave without follow-up. Your employer gets documentation that meets Department of Labor standards. And you get peace of mind as well as guidance on how to take time off to take care of your health and come back stronger.

We have a team of board certified medical providers, labor law experts, and medical leave specialists who are deeply experienced in navigating the complexities of FMLA and Paid Leave to make sure you can take time off and rest easy that your job is protected and you have the income you need to get through your medical situation.

Every medical certification we produce includes the clinical detail, diagnostic specificity, and functional limitation language that employers and HR professionals expect to see. We don't cut corners and that's why we offer a 100% money-back guarantee. Not because things go wrong, but because we're that confident in what we deliver.

What if I need to extend my leave and take additional time off?

We have follow up appointments available if you need to extend your leave.

Follow-up video appointments are available for $144.99. A follow-up may be recommended if you need additional time off to make progress in your recovery. During a follow-up, the healthcare provider reassesses your situation and, if appropriate, can update or extend your certification.

How much time can I take off with FMLA?

Up to 12 weeks in a 12-month period for most qualifying reasons. Military caregivers can take up to 26 weeks. You can take it all at once, or intermittently (a few days/hours at a time) for chronic conditions. The 12 weeks resets based on your employer's chosen method (calendar year, your anniversary, etc.).

Do I need to pay for the entire service up front?

There is an initial $50 booking fee to secure your appointment. The remaining balance will be charged after your video consultation.

Do you accept insurance?

No, our services are self-pay only. We do not bill insurance providers, and all payments are made out of pocket. We strive to keep our prices transparent and affordable.

Do you get paid for FMLA?

No, FMLA itself is unpaid. However, you can use accrued PTO, sick leave, or vacation days during FMLA. Additionally, some states have separate paid family leave programs, state disability programs, and you might also qualify for short-term disability benefits through your employer. Trust Medical can help you with certification for paid leave or disability.