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Cobertura Electiva del Seguro de Incapacidad (DIEC)

Ofrecemos un programa opcional de Cobertura Electiva del Seguro de Incapacidad (DIEC, por sus siglas en inglés) para las personas que no realizan aportaciones al Seguro Estatal de Incapacidad (SDI, por sus siglas en inglés), pero desean recibir cobertura del Seguro de Incapacidad (DI, por sus siglas en inglés) y del Permiso Familiar Pagado (PFL, por sus siglas en inglés).

La DIEC protege a los dueños de pequeños negocios, emprendedores, contratistas independientes y personas que trabajan por cuenta propia, que constituyen una gran parte de las compañías que hacen negocios en California.

DI provides benefits to eligible DIEC participants when they are unable to work and lose income due to their own non-work-related illness, injury, pregnancy, or childbirth.

PFL provides benefits to eligible DIEC participants when they need to take time off from work to:

  • Care for a seriously ill child, parent, parent-in-law, grandparent, grandchild, sibling, spouse, or registered domestic partner.
  • Bond with a new child entering the family through birth, adoption, or foster care placement.
  • Participate in a qualifying event because of a family member’s (spouse, registered domestic partner, parent, or child) military deployment to a foreign country.

Am I Eligible for DIEC?

Any self-employed person, independent contractor, or general partner who meets the requirements may apply for DIEC. It is not required that all active general partners be included in the application.

A general partnership can include married co-owners who both actively manage the business. Limited partners and corporate officers are not eligible.

You can find more details on DIEC eligibility, including:

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