California Paid Family #Leave
(EDD Website)
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California Paid Family Leave 2 page brochure
California’s EDD’s site that tells about family leave if you take time off to care for an ill family member. The page tells you just about everything you need to know. How to file a claim, check on the status and manage a claim, calculate your benefit.
- California Paid Family Leave PFL Eligibility FAQ’s
- Families First Coronavirus Response Act: Employee Paid Leave Rights
- latimes.com/new-california-workplace-laws-covid-19-safety-more
- la times.com/family-leave-2018 01 29-story
- State’s unfair family leave plan Low-wage workers in California pay for this benefit too, but many can’t afford to take the time off.
- CA Paid Family Leave Act §3300-3306 SB 1661 2002
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- Your employer must pay for the continuation of your group health benefits if your employer normally pays for those benefits. CA Civil Rights *
- cal civil rights.ca.gov/Employment/
- edd.ca.gov/en/disability/PFL_Forms_and_Publications
- A Family Rights Act
Employee Handbook
- Many of these link require a password. Email us to get – discuss the information you need.
- shrm.org/employee-handbooks
Jump to section on:
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- Does the employer have to pay the employee’s health insurance while on FMLA Maternity Leave?
- Basically yes.
- Group health insurance benefits. If an employee has health insurance through an employer’s group health plan, they can continue their group health insurance coverage during FMLA leave on the same terms as if they had continued to work. For example:
- QUESTION: Does our company have to pay for employees’ health coverage while they are on FMLA leave?
- ANSWER: Your company does not have to pay your employees’ share of health coverage premiums while they are on FMLA leave. However, employers covered by the FMLA (generally, private-sector employers with 50 or more employees and public agencies and local educational agencies with any number of employees) must maintain coverage under any group health plan for the duration of an FMLA leave at the level and under the conditions that coverage would have been provided if the employee had been continuously employed for the duration of the leave. This means that, if your company is covered by the FMLA, it must pay the same share of the health coverage premiums for an employee on FMLA leave as it would have paid if the employee had not been on leave.
- Family and Medical Leave Act Advisor Employer Recovery of Benefit Costs
EDD - CA Programs for Unemployed #DE2320
Los Angeles Times - Introductory Article on Unemployment 7.5.2022
- See our webpage on
- SDI State Disability Benefits - How to apply
- Covered CA MAGI Income Unemployment ***** SDI
- Get Quote for Private Disability
- CA & Federal Paid Family Leave
- Pandemic Unemployment Assistance
- EDD - No Storefront Offices - Mass Shootings - Efficiency - Not Covid
- New laws for January 2022 faster service, prevent fraud LA Times 10.5.2022
- You should file for regular UC if you have an employer and you have been laid off, or your hours have been reduced through no fault of your own, or you cannot work because a medical or public official has directed you to quarantine or self-isolate because of COVID-19 exposure, symptoms, or a positive diagnosis; or you are caring for someone who is suspected of having or has tested positive for COVID-19.
Resources
Employment Resources
- oc register.com/covid-19-sick-leave-set-to-return-in-california
- Labor and Workforce Development Agency – Resources for employers and workers including workers’ compensation and paid sick leave.
- Labor Commissioner’s Office FAQs – Employee leave options, compensation, and salary.
- Department of Fair Employment and Housing – Job protection and employment discrimination.
- Washington Post – Paid Sick Leave
- EDD pamphlet on unemployment and SDI benefits
Health Resources
- California Department of Public Health
- Centers for Disease Control and Prevention
- World Health Organization
- FAQ from Website visitor on options to keep her health insurance, with no or less income.
See our webpage on how unemployment compensation & Disability gets counted for MAGI Income under Covered CA subsidies, get quotes. Appoint us as your agent.
More Information
Another article * 1 * 2 * Prisoner Fraud * Problems * What if $600 ends? * Freelancers *
Confusion between Net, Gross Income and MAGI Income. Nearly 1 million California’s will have to pay back unemployment benefits as they reported Net and not Gross Income.
Benefits were supposed to be based on their net income in 2019. But in all the confusion of an unprecedented program, many reported their gross income instead.
Covered CA subsidies are based on Adjusted Gross Income + Social Security. https://individuals.healthreformquotes.com/subsidies/magi/
Like President Trump said, Insurance is very complicated. VIDEO
unemployment benefits fraud in California could total $2 billion,
Is this the biggest heist in history, at least in California? Well, that’s what the Sacramento County district attorney said
la times.com/california-unemployment-benefits-fiasco
People who have lost work have options.
As businesses close down and the economy rapidly contracts, millions of people are losing their jobs or seeing their hours get slashed. If you’ve lost your job or had your hours reduced, here are some of your options.
- Tell your boss about tax credits to keep you on the job
- File for unemployment. Here’s how.
- File for paid sick leave. The government expanded who is eligible for paid sick leave due to the pandemic. Here’s how to find out if you’re eligible, and how to apply.
- Seek industry-specific resources. If you lost your job in the entertainment industry or the restaurant industry, there are special resources being made available. Here are the resources for unemployed entertainment workers, and here are the resources for unemployed restaurant workers.
- Find work you can do online. Teaching English, writing and editing, tutoring, working as a virtual assistant — there are more opportunities than ever to find jobs that only require an internet connection. The site SideHusl.com evaluates and reviews money-making opportunities in the gig economy, including remote work.
- SkipTheDrive is a free curated job board for telecommuters.
- VIPKid, Qkids and Magic Ears all hire native English speakers to teach Chinese students conversation skills after dinner and on weekends — Beijing time.
- Wyzant, Varsity Tutors and Chelsea International Education all offer to connect tutors with students.
- If you teach art, dance, drama or music, you can tutor online through LessonFace and TakeLessons. The sites Contently, Skyword and Cracked offer paid writing gigs, and Reedsy has work for editors.
- You can find virtual assistant work through Boldly or Belay.
- Working Not Working finds positions for digital creatives in advertising, film, and web and game design.
- FreeUp is a marketplace where all sorts of professionals — content creators, accountants, marketing experts, web developers and administrators — can find work that pays $10 to $75 an hour.
- Work at Home Vintage Experts, or Wahve, connects seasoned executives in insurance, human resources and accounting with small businesses that need regular help. Los Angeles Times *
EDD California 2024 Employers Guide #DE44 
- Forms & Publications EDD
- FORMS REQUIRED TO GIVE NEW EMPLOYEES
- More workplace protections in 2022 New laws will shield employee health, safety and wages, but some ‘job killer’ bills were axed Los Angeles Times
- Social Security Forms
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New Federal Reporting Requirement for Beneficial Ownership Information (BOI)
- Beneficial Ownership Information Reporting Suspended Smart Tax Fin LLC.com
- Effective January 1, 2024, many companies in the United States must report information about their beneficial owners—the individuals who ultimately own or control the company—to the Financial Crimes Enforcement Network (FinCEN), a bureau of the U.S. Department of the Treasury.
- In 2021, Congress enacted the bipartisan Corporate Transparency Act to curb illicit finance. This law requires many companies doing business in the United States to report information about who ultimately owns or controls them.
- Your company may need to report information about its beneficial owners if it is:
- 1. a corporation, a limited liability company (LLC), or was otherwise created in the United States by filing a document with a secretary of state or any similar office under the law of a state or Indian tribe; or
- 2. a foreign company and was registered to do business in any U.S. state or Indian tribe by such a filing.
- FinCEN’s Small Entity Compliance Guide includes checklists for each of the 23 exemptions that may help determine whether your company qualifies for an exemption.
- My CPA's Opinion - this is OVERKILL
All our plans are Guaranteed Issue with No Pre X Clause
Quote & Subsidy #Calculation
There is No charge for our complementary services
Watch our 10 minute VIDEO
that explains everything about getting a quote
- Our Quote Engine Takes all the complexity out of using pencil and paper to figure out the premiums per the Obamacare/ACA rules under CFR §1.36B-3 *
- Get more detail on the Individual & Family Carriers available in CA
Covered CA (& Medi Cal) - Calculate - #Countable Sources of MAGI Income
Short Summary
The American Rescue Plan ARPA extends expanded unemployment benefits with a supplemental weekly payment of $300 through September 6, 2021. These supplemental UIB payments are counted as income for determining eligibility for Covered California programs but are not counted as income for determining eligibility for Medi-Cal programs (including both MAGI and non-MAGI programs). Covered CA CARES Act webpage. * ARPA Broker FAQ *
For 2020 if your adjusted gross income is less than $150,000, up to $10,200 of unemployment compensation is excluded from gross income. IRS Publication 525 *
Income vs Expense Deductions – how it might mess you up for subsidies – visit Insure Me Kevin.com to learn more.
Federal Unemployment ends Labor Day Weekend 2021 NBC.com * More detail and alternate plans like Medi Cal, Covered CA subsidies, Cal Fresh, Find a Job Los Angeles Times *
IRS Taxable & Non Taxable – Unemployment Benefits Publication 525
Unemployment Benefits
The tax treatment of unemployment benefits you receive depends on the type of program paying the benefits.
Unemployment compensation.
Generally, you must include in income all unemployment compensation you receive. You should receive a Form 1099-G showing in box 1 the total unemployment compensation paid to you. In most cases, you enter unemployment compensation on Schedule 1 (Form 1040), line 7.
Exclusion from income tax on a portion of unemployment compensation for 2020.
For individuals with adjusted gross income of less than $150,000, up to $10,200 of unemployment compensation is excluded from gross income. In the case of a joint return, up to $10,200 received by each spouse is excluded. (See P.L. 117–2 and section 85(c).)
- Exclusion from income tax on a portion of unemployment compensation for 2020.
- Types of unemployment compensation.
- Governmental program.
- Repayment of unemployment compensation.
- Tax withholding.
- Supplemental unemployment benefits.
- Repayment of benefits.
- Private unemployment fund.
- Payments by a union.
- Guaranteed annual wage.
- State employees.
Our Webpage on if SDI State Disability Benefits are Taxable?
#Adjustments to Income - Schedule 1
#Schedule1 1040
- Part I Additional Income
- 2a Alimony received
- 3 Business income or (loss). Attach Schedule C
- Get Health Quote for your business
- 5 Rental real estate, royalties, partnerships, S corporations, trusts, etc. Attach Schedule E
- 7 Unemployment compensation
- 8 Other income:
- a Net operating loss
- b Gambling income
- c Cancellation of debt
- d Foreign earned income exclusion from Form 2555
- e Taxable Health Savings Account distribution
- Part II Adjustments to Income
- 11 Educator expenses
- 13 Health savings account deduction. Attach Form 8889
- 15 Deductible part of self-employment tax. Attach Schedule SE
- Learn more about your Social Security Benefits
- 16 Self-employed SEP, SIMPLE, and qualified plans -
- 17 Self-employed health insurance deduction
- 19a Alimony paid
- 20 IRA Individual Retirement Account deduction
- 21 Student loan interest deduction
- Instant Business Health Insurance Proposals
#Report changes as they happen - within 30 days! 10 CCR California Code of Regulations § 6496
10 days for Medi Cal 22 CCR § 50185
Our webpage on ARPA & Unemployment Benefits - Silver 94
IRS Form 5152 - Report Changes
- Our VIDEO on how to report changes to Covered CA
- Lost your job? How to keep your Health Insurance. Shelter at Home VIDEO
- References & Links
- Here's instructions, job aid, reporting change in income
- Our webpage on the exact definition of MAGI Income
- If you've appointed us - instructions - as your broker, no extra charge, we can do it for you.
- Voter Registration
- Denial of benefits and possible criminal charges if you don't report changes in income!
- When Increasing Your Covered California Income Estimate Creates an Ethical Dilemma Insure Me Kevin.com
- Fudging Income?
- Western Poverty Law on reporting changes
- How to cancel coverage.
- agents and brokers who suspect or know a fraudulent application for insurance has been submitted to report the potential fraud to the California Department of Insurance Fraud Division. Read more >>> Wshblaw.com
- Visit our webpage on how to report changes
ARPA Covid #Stimulus1 March 2021
Silver 94 – ZERO Premium!
Dramatic Premium Increases for some Covered California Households in 2022
Federal Unemployment ends Labor Day Weekend 2021 NBC.com * More detail and alternate plans like Medi Cal, Covered CA subsidies, Cal Fresh, Find a Job Los Angeles Times *
If you received unemployment benefits anytime in 2021, we can help you get Silver 94 with ZERO premium. Be sure to report your unemployment to us or Covered California. Be Careful when answering Income Questions!!! MAGI Income can get quite confusing and one little error can put you in Medi Cal, loss of subsidies, loss of coverage, who knows???
Covered CA will redetermine your eligibility on June 21st, so be sure to update your income & unemployment benefits by then. If eligible, you will receive the same benefits as someone with 138.1% FPL – Enhanced Silver 94 Blue Shield * Covered CA Income Chart * Covered CA Broker Seminar 4.20.2021 * Section 9661 Part 7 Premium Tax Credit
VIDEO explanation of how the ARPA Silver 94 will work…
Increase Financial Help for Consumers Who Receive Unemployment Compensation During 2021
For households in which the primary tax filer or their spouse receives or is approved to receive unemployment insurance benefits (UIB) for one (1) or more week in 2021, the FPL for the purposes of eligibility determinations for APTC Advanced Premium Tax Credit – Subsidies and Cost-Sharing Reductions (CSR) Enhanced Silver would be locked at 138.1% FPL. View FPL Income Chart
Effectively, that means that—for any tax household in which the primary tax filer or their spouse received UIB for 1 week or more during 2021—any household income above 138.1% of FPL is disregarded for the purposes of financial help eligibility calculations. The FPL lock will apply to the APTC & CSR determination for all members of the tax household that are not otherwise determined eligible for Medi-Cal or CHIP programs and meet all other APTC program requirements. Covered CA FAQ for Brokers *
See Kaiser Foundation Calculation Results Their calculator asks if you received unemployment, while ours nor Covered CA does so yet.
Watch Covered CA ARPA Announcement VIDEO
Links & Resources
modernhealthcare.com/biden-backs-aca-expansion-next-relief-package-no-drug-pricing-reform
whitehouse.gov/fact-sheet-the-american-families-plan
Kaiser #Foundation Calculation
For some reason, they show and ask about Unemployment while Covered CA nor our Quote Engine do, yet.
Unemployment Benefits under CARES Act –
#Stimulus Package
The bill makes unemployment pay 100 percent of what people would earn on the job and, in some circumstances, they can get more money for not returning to work when the economy is back up. Quirk in law would allow some employees to earn more $$$ for working less – read more in the LA Times.
Consider $600 a week is the pay before taxes for an employee who works 40 hours a week at $15 an hour, or 30 hours a week at $20 an hour. So not working will pay that person the $600 federal benefit on top of the regular benefit that CA provides. So it is $600 a week if you work, and $900 a week if you do not. For the minimum wage person who makes $400 a week, the effect is more extreme. The unemployment program will pay more than twice as much as working. Benefits do max out at different levels in different states but, in most, even an employee who makes $800 a week can make about $200 more on this unemployment than working. * The Hill *
Under the CARES Act, employees may delay going back to work, businesses could feel more comfortable laying off people, and workers may be incentivized to quit their jobs or volunteer to be laid off
Unemployment benefits also aren’t subject to Social Security and Medicare taxes (7.65% total) and in many states aren’t subject to state and local tax — meaning unemployment pay is arguably worth more than typical wages, * CNBC * National Employment Law Project * Los Angeles Times 4.9.2020 *
So, it looks like to get the Federal Benefits, you can just apply through the State of CA.
Under the new CARES Act responding to the COVID-19 pandemic, all states will be allowed to provide up to 13 additional weeks of federally funded extended benefits to people who exhaust their regular state benefits.
Under the Act, through the end of this year, people who exhaust both regular and extended benefits, and many others who have lost their jobs for reasons arising from the pandemic but who are not normally eligible for UI in their state, are eligible for Pandemic Unemployment Assistance. People can receive a maximum of 39 weeks of benefits this year from all three sources combined. CBPP.org
Program ends July 31, 2020, LA Times on if it will be extended.
See FAQ about if you can get the extra $600 if you are on SDI
Collect unemployment if you have to take care of Adult Children?
the claimants childcare responsibilities must be of a compelling nature. In determining the nature of the childcare duties, EDD considers the age of the children requiring care.
More research
If you quit your job because you have no other options for childcare, we are required by law to determine if you have “good cause” for quitting because generally you must be able and available to work.
edd.ca.gov/about_edd/coronavirus-2019/faqs/unemployment.htm#school
Unemployment Insurance – Guide to Benefits and Employment Services
https://www.edd.ca.gov/pdf_pub_ctr/de1275a.pdf
California #EDD Unemployment Benefits & Criteria
Benefits #Corona Virus
The federal government will pay the full salaries of furloughed workers who make average wages for up to four months under an emerging stimulus deal The HIll – Click this link to Learn More
If you can’t work because of the quarantine, not that you are ill or that you are, check out the official EDD Webpage.
Reduced Work Hours
If your employer has reduced your hours or shut down operations due to COVID-19, you can file an Unemployment Insurance (UI) claim. UI provides partial wage replacement benefit payments to workers who lose their job or have their hours reduced, through no fault of their own. Workers who are temporarily unemployed due to COVID-19 and expected to return to work with their employer within a few weeks are not required to actively seek work each week. However, they must remain able and available and ready to work during their unemployment for each week of benefits claimed and meet all other eligibility criteria. Eligible individuals can receive benefits that range from $40-$450 per week.
The California Governor’s Executive Order waives the one-week unpaid waiting period, so you can collect UI benefits for the first week you are out of work. If you are eligible, the EDD processes and issues payments within a few weeks of receiving a claim. EDD Coronavirus *
LA Times on how to file
3.8 Million filed last week, 30 million total COVID 19
Technical Website PROBLEMS Issues – sounds like Health Care . Gov and Covered CA websites
Problems for 1099 & Gig workers if they have W – 2 employee income LA Times
CA will start sending $900 retroactive for the $300/week after the $600/week ended to those unemployed due to COVID 9.7.2020
#SNAFU - Situation Normal - All Fouled Up
I learned the word SNAFU Situation Normal, All Fouled Up in the dorm, when I attended San Diego State in the early 70's and earned a degree in Insurance. In all that time, I've never been able to use the word in a sentence, until last 10.1.2013, when Covered CA.com, Health Care.Gov nor the Insurance Company Websites or my own Quote Engine that I pay around $250/month for were supposed to launch, but did not do it properly.
All our plans are Guaranteed Issue with No Pre X Clause
Quote & Subsidy #Calculation
There is No charge for our complementary services
Watch our 10 minute VIDEO
that explains everything about getting a quote
- Our Quote Engine Takes all the complexity out of using pencil and paper to figure out the premiums per the Obamacare/ACA rules under CFR §1.36B-3 *
- Get more detail on the Individual & Family Carriers available in CA
Laid off? Make these money moves right now
http://www.flashreport.org/blog/2022/08/21/california-once-more-giving-business-owners-the-shaft/
State recovers $1.1 billion in unemployment funds
California will return money claimed via pandemic fraud ‘to the taxpayers.’
https://edition.pagesuite.com/popovers/dynamic_article_popover.aspx?guid=0856cf19-25c3-4445-8900-879891829438&v=sdk
If we pay the full premium now, once the unemployment benefit kicks in, in July will it [the tax credits – Zero Premium] be retroactive?
VIDEO Explanation
1st of all, what do you mean by “full premium?”
The “real” premium is $1,512. All the rest is “hocus pocus, smoke & mirrors” premium subsidies based on your estimate of what your MAGI Income will be when you do 2021 taxes.
It all gets reconciled when you file Form 8962 with your 1040.
What I learned in 1 year of Law School was to read a law 3 times and then when you think you understand it, read it again. I’ve now read the law once and skimmed a couple of times.
So, based on Part 7 Premium Tax Credit Section 9661 (g) special rule for those who receive unemployment in 2021 (b) effective date tax years after 12.31.2020.
So, when you file taxes the unemployment benefit will go back to January 1st.
I’m not an attorney or CPA. Covered CA suggests you try your own CPA or VITA
Please note too, that when Covered CA gives the wrong advice, they don’t have to make you whole!
What are the qualifications to apply for the $600 a week when are on disability
I don’t think you can get the extra $600/week if you are on disability as you’re not ready, able and willing to work.
See our webpage on SDI State Disability Insurance. If you still have questions, ask there. You don’t have to put in your full name.
My employer says I voluntarily quit my job. I say the job changed, with lower pay, more work and worse working conditions.
Can I collect unemployment?
Get the ARPA Stimulus COBRA Premium Subsidy?
CA EDD Unemployment shows
Requirements to File a Claim
When filing for UI benefits, you must have earned enough wages during the base period to establish a claim, and be:
Totally or partially unemployed.
Unemployed through no fault of your own.
Physically able to work.
Available for work.
Ready and willing to accept work immediately.
What Happens If You Quit or Get Fired
The EDD will schedule a phone interview to discuss your claim and circumstances. If you quit, you must prove good cause for quitting. and that you made all reasonable attempts to keep your job (such as requested a leave of absence or transfer).
Note: Good cause can include unsafe working conditions, a medical doctor’s advice, or protecting yourself or your child from domestic violence. If you are fired, your employer must prove there was misconduct. Either party can disagree with the decision and file an appeal. EDD FAQ * EDD Eligibility *
The elements of a voluntary quit are,
(1) leaving,
(2) most recent work,
(3) voluntarily, and
(4) without good cause. Visit EDD Website – for details
three part test to determine the presence of “good cause”
(1) Is the reason for leaving “real, substantial, and compelling”?
(2) Would that reason cause a “reasonable person,” genuinely desirous of working, to leave work under the same circumstances?
(3) Did the claimant fail to attempt to preserve the employment relationship, thereby negating any “good cause” he/she might have had in leaving? Read More EDD Voluntary Quit
My hours were cut and/or my salary was cut. Can I get unemployment for the difference?
Yes. See the paragraph above on Reduced Work Hours
You might also suggest that your employer apply for a PPP forgivable loan.
I may be filing for unemployment (CA). Am currently receiving Medi-Cal. I cannot earn more than $1945 monthly $23,792 annual? Income Chart in order to qualify for MediCal.
My concern is that EDD will take the highest earnings during the claim period and base my claim amount on that. Which is an issue, since there was one brief period last December when my monthly wages were slightly more than $1945, but soon readjusted to a consistent under-the-limit amount. I squared that with MediCal and I remained covered.
But since being furloughed from my part time last Friday (due to my department closing amidst COVID-19), I was encouraged to file for UI.
However, I am concerned that receiving that ‘artificially high’ claim amount would disqualify me from MediCal coverage. Something that I just cannot risk during these challenging times.
Thanks for any info you can impart.
I’m a taxpayer and I resent the government making incentives for people to not work to their potential!
Why do I have to work extra hours, forgo vacations, etc. to allow others to not work to their potential?
The Federal Government under the CARES act, may cover 100% of your lost income.
If you do earn too much for Medi-Cal, there is Covered CA subsidies and cost sharing reductions, so that you would pay very little premium to get say a Silver 94 or 87 plan. Get quotes and benefits illustrations here.
At least with Covered CA I make barely minimum wage to help people enroll and service their business. Medi Cal pays NOTHING!
Here’s the fact sheet on how unemployment benefits are calculated Base Periods.
It looks to me like everything gets averaged over the past year, not quarter. Please use EDD’s calculator and send me the results, if you want further help.
I put in $2k/month just for an example. Here’s what it said.
Based on your reported information, your highest quarterly earnings were
$6,000
Your estimated weekly benefit will be
$231
This amount is just an estimate. Once you file your claim, the EDD will verify your eligibility and wage information to determine your weekly benefit amount. The actual amount will be mailed to you. For more information on the UI Program, visit the UI home page.
So, when EDD is only paying 1/2, I don’t think you’re likely to go over what you earned last year. See above about the Federal Government filling in to make it 100%.
I could use someone to telemarket employer groups. Did you want to send a resume?
Chatter & FAQ’s on Facebook. Be careful of hearsay and anecdotal stories
https://www.facebook.com/groups/550043088964455/permalink/562539941048103/