California has some of the richest state-supported financial assistance programs in the country. Yet, people can still fall between the cracks, especially when SDI benefits end.

Buying long-term disability insurance can protect your lifestyle in case an accident or illness keeps you out of work for a year or more. Social Security does not pay much.


The California State Disability Insurance (SDI) is an essential benefit for workers who cannot perform their job duties due to a non-occupational accident, illness, or pregnancy.

The claim payments continue for up to 52 weeks (39 for the self-employed), which leads to a critical question if your medical condition prevents you from returning to work. What should you do next?


Paid maternity and family medical leave programs in California are lifesavers for parents having children. Both mom and dad want to spend time at home bonding with baby.

This direct form of financial assistance keeps families afloat when one or both parents cannot work. The benefit is most valuable when someone suffers a disability – which happens frequently during pregnancy.


Many California couples face difficulty having a family in the first place. Those coping with the pain of infertility often face the prospect of paying for treatments themselves.

The state does have an infertility insurance law. The private companies must provide direct financial assistance for help with certain medical bills. However, IVF remains the most expensive self-pay treatment.