state disability benefits
Chevron’s Disability Management program is a set of instructions and processes you must follow when you miss work because of an illness or injury. Compliance with the Disability Management program will ensure you receive any disability benefits for which you may be eligible.
Several states provide disability insurance programs if you can’t work because of an illness or injury. The rules for eligibility and what qualifies as a disability vary from state to state.
State program rules may be different from Chevron’s disability plans. Read more about disability programs provided by the following states.
california state disability insurance
The state of California requires that you have state disability insurance coverage if you work in California or if you are a seagoing or U.S.-payroll expatriate employee working in a non-U.S. location for a Chevron operating company based in California. You can participate in either the Chevron Voluntary Disability Insurance Plan or the California State Disability Insurance Program (SDI). If you don’t elect to enroll in the state program (SDI), you automatically participate in the Chevron voluntary plan. You can’t be covered under both SDI and the Chevron voluntary plan. Both plans include Paid Family Leave insurance benefits.
Under either plan, you can receive weekly disability benefits for up to 52 weeks, as long as you continue to satisfy the state’s definition of disability.
Disability benefits are payable if you are disabled and unable to do your job due to a sickness or injury, pregnancy, participation in an approved alcoholism recovery or drug-free treatment program, or medically required quarantine.
Here’s a comparison of the Chevron voluntary plan and the state program (SDI):
|Chevron Voluntary Disability Insurance Plan (the “voluntary plan”)||California State Disability Insurance Program (SDI)|
|Claim Forms||Your claim is handled as part of the Disability Management process. A separate claim form is not required.||A claim form is required for all claims. The claim form must be signed by your doctor. You must handle your claim directly with the state.|
|Benefit Payments||Benefit payments are included in your paycheck.||The state mails benefit payments to you. Expected benefits are deducted from your paycheck on a current basis. A delay could result in a lesser income until payment is received.|
No waiting period if your disability is due to an accident. If your disability is due to sickness, your benefits may begin on whichever day comes first:
|Your benefits may begin on the day after a nonwaivable seven day waiting period.|
Maximum disability benefits are paid after three months of company service since your most recent hire date ($1,216 a week for a disability commencing in 2018), but not more than your full pay.
Daily rates are the greater of one-fifth of the weekly rate for each scheduled workday or one-seventh of the weekly rate for each calendar day.
Benefits are based on your highest quarter of earnings in California during your base period and are approximately 55% of your weekly pay during that quarter, up to a maximum of $1,216 a week for a disability commencing in 2018.
Daily rates are one-seventh of the weekly rate for each calendar day.
|Employee Contribution||1.0% of wages up to $114,967 (includes PFL)||1.0% of wages up to $114,967 (includes PFL)|
|Taxability of Contributions||Contributions are not deductible on your federal income tax return.||Contributions are deductible if you itemize deductions on your federal income tax return.|
how to find out which plan you’re in
Look at the lower left-hand corner of your paycheck stub or direct deposit statement. If you’re in the company plan, your statement or stub will show “CA EE Voluntary Disability.” If you’re in the state program, your statement or stub will show “DIP CA State MM BB.”
if you want to change plans
If you want to change from the company plan to the state program, or vice versa, complete form F-66, California Disability Insurance Coverage Form - Change Request. Return the form to Payroll Operations at the address on the form. The change is effective the first day of the next calendar quarter.
Benefits from the voluntary plan or the state program combine with Short-Term Disability (STD) Plan benefits so that disability income from all sources doesn't exceed your full regular pay.
For more information, including how these plans coordinate with your Chevron STD Plan benefits, go to the California Disability Plans section in Short-Term Disability summary plan description.
For more information about the state plan, please refer to the CA EDD Web site at http://www.edd.ca.gov/Disability/.
california paid family leave insurance program (PFL)
PFL extends disability compensation to cover employees working in California or seagoing or U.S.-payroll expatriate employees working in a non-U.S. location for a Chevron operating company based in California who take time off work to care for a seriously ill family member or to bond with a new minor child due to birth, adoption, or foster care placement.
Family members may include:
- your spouse or state-registered domestic partner;
- your children, including a biological child, adopted child, foster child, stepchild, grandchild, legal ward, or child of a state-registered domestic partner;
- your parents, including a biological parent, foster parent, adoptive parent, stepparent, grandparent, parent-in-law or legal guardian;
- your siblings, including a biological sibling, adopted sibling or a sibling through a common legal or biological parent.
PFL provides for benefit payments, but it does not provide any job protection or reinstatement rights. However, job protection for the same absence may be provided by federal or state leave laws (for example, FMLA, CFRA).
who is eligible for california PFL
All Chevron employees working in the state of California or seagoing or U.S.-payroll expatriate employee working in a non-U.S. location for a Chevron operating company based in California may be eligible for PFL benefits. To be eligible, you must have earned at least $300 in base period wages from which disability insurance deductions were withheld, and you must meet the rules and requirements described below. As a California employee, you participate in either the Chevron Voluntary Disability Insurance Plan or the California State Disability Insurance Program (SDI). In both cases, you are covered for PFL through your disability plan.
the california PFL benefit amount
During any 12-month period, an eligible California employee may receive up to six weeks of PFL benefit payments. Whether you are enrolled in the Chevron Voluntary Disability Insurance Plan or SDI, PFL benefits will be paid at the SDI rate, which is 55 percent of base period wages up to a maximum of $1,216 a week for a PFL absence commencing in 2018. There is a $50 minimum weekly benefit amount.
The PFL benefit payments you receive are taxable on your federal tax return, but are not taxable for state purposes. In addition, the PFL income is not considered regular earnings. This means that while you are receiving PFL benefits, your paycheck contributions to other employee benefit programs stop because you are considered to be on “unpaid” status.
rules and requirements
The following rules and requirements apply to PFL:
- To be eligible for PFL benefit payments, you must experience a loss in wages as a result of the time you take off to care for a seriously ill family member or to bond with a new child.
- Chevron requires you to take one week of vacation for each claim prior to receiving PFL benefits. If you have less than one week of vacation available, PFL benefits will begin after available vacation has been exhausted. If you don’t have any vacation available, PFL benefits will begin on the first day of a Family Care Leave.
- You must file a claim for PFL benefits no later than 42 calendar days from the first day for which you may be paid PFL. Time away from work can include consecutive days off and days off taken intermittently.
- Proof of relationship documentation is required for all PFL benefit claims. This includes a birth certificate, adoption paperwork, a marriage license, or a California Certificate of Registered Domestic Partnership.
- Medical certification is required if the leave is to care for a seriously ill family member. You must also certify that there is no other family member ready, willing and able to provide care during the same period of time in the day.
- California Paid Family Leave does not provide job protection. However, your job may be protected if your absence qualifies under the federal Family and Medical Leave Act of 1993 (FMLA) or the California Family Rights Act (CFRA).
If you are on unpaid status for longer than 31 consecutive calendar days, you will be placed on Chevron’s Family Leave Without Pay .
how to request california PFL benefits
The process for requesting PFL benefits depends on whether you participate in the California State Disability Insurance Program (SDI) or the Chevron Voluntary Disability Insurance Plan. Benefits will not be paid until all documentation is received and approved.
If you participate in the Chevron Voluntary Disability Insurance plan
Your benefits are administered by Reed Group. To request PFL benefits, follow these steps:
- Notify your supervisor.
- Download and complete the appropriate PFL forms and collect the required documentation.
- Contact Reed Group by calling 1-888-825-5247, option 5.
You will not be paid PFL benefits until you complete the waiting period, meet all eligibility requirements, and provide all required documentation. There is no guarantee that your request for benefits will be approved even after you have taken the time off without pay. PFL benefits are never payable under the Chevron Voluntary Disability Insurance Plan when they would not be payable under SDI.
If your request is approved, your benefits will be paid by Chevron payroll.
If you participate in the California State Disability Insurance program (SDI)
Your benefits are administered by the state of California’s Employment Development Department (EDD). To request PFL benefits, follow these steps:
- Notify your supervisor.
- Call 1-877-BE-THERE (1-877-238-4373) or visit their Web site at www.edd.ca.gov/Disability/.
- If your request is approved, your benefits will be paid by the state of California.
You can find general information about California Paid Family Leave on the EDD Web site at www.edd.ca.gov/Disability/Paid_Family_Leave.htm.
If you’re a New Jersey employee, the state requires that you have disability insurance coverage under its Temporary Disability Benefits (TDB) law.
Effective January 1, 2009, New Jersey employees are covered under the New Jersey state plan.
Family Leave Insurance is a component of the New Jersey state plan beginning in 2009. The program is funded by additional payroll deductions, Family Leave Insurance benefits were first payable beginning July 1, 2009. The following charts summarize the key features of the program.
new jersey state disability benefits
|Cost||For 2018, the cost is .19% of taxable wages up to $33,700. Your maximum annual contribution is $64.03.|
|Filing a Claim||You must file your claim with the state. When you contact the Chevron Disability Management Program (Reed Group) to report your disability, Reed will send you a New Jersey claim form. You can also call the New Jersey division of Temporary Disability Insurance 609-292-7060 to request a claim form, or download a form (DS-1) directly through the state website http://lwd.dol.state.nj.us.|
|Waiting Period||Your state benefits can begin on the day after a seven-day waiting period.|
|Benefit Payments||The state mails benefit payments to you. Your Chevron STD benefits will be reduced by the amount that you’ll receive from the State of New Jersey, beginning on the second pay period after your disability begins.|
|Benefit Amount||2/3 of your average weekly state wages; your maximum weekly benefit rate is $637 in 2018. For any portion of a week in which you are disabled, the benefit will be prorated.|
|Maximum Benefits||Your maximum benefit amount is 26 weeks.|
new jersey state disability plan — family leave insurance benefits
|Cost||For 2018, your cost is .09% of taxable wages up to $33,700. The maximum annual contribution will be $30.33.|
|Filing a Claim||You must file your claim with the state. Claim forms and information are available at www.nj.gov/labor/fli2|
|Waiting Period||Benefits may begin on the day after a seven-day waiting period.|
|When Disability Benefits Are Payable||When you take time off work to bond with a child or care for a family member with a serious health condition.|
2/3 of your average weekly state wages, subject to a maximum of $633 beginning in 2017.
For any portion of a week, the benefit will be prorated.
|Maximum Benefits||Your maximum benefit is six weeks (42 days).|
If you're a New York employee, the state requires that you have disability insurance coverage under its Disability Benefits Law (DBL). You're covered under a company-sponsored private disability insurance plan coordinated by Reed Group, but insured through The Standard.
Benefits from the private plan and the state program combine with Short-Term Disability Plan benefits so that disability income from all sources doesn't exceed your full regular-pay benefits. The chart below shows the features of the private plan and the state program. You can find more information on New York’s website.
new york state disability benefits law (DBL)
Here are your benefits under the company-sponsored private plan:
|Cost||For 2018, the cost is 0.5% of your weekly wages, up to a maximum of 60 cents per week ($31.20 per year).|
|Filing a Claim||Your claim is handled as part of the Disability Management process. When you call Reed Group to report your disability, Reed Group will coordinate your claim with The Standard.|
|Coverage Amount||You can receive benefits up to 50% of your average weekly wage. The maximum benefit is $170 per week for 2018.|
|Benefit Payments||The Standard mails a separate check to you. Your Short-Term Disability Plan benefits are offset by the state disability payment.|
|How Long Benefits Are Paid||Benefits are paid for a maximum of 26 weeks for any one period of disability.|
|Taxability of Contributions||Your contributions are not deductible on your federal income tax.|