加州自僱人士考慮 DIEC：不是需要請假時才即時投保 | California self-employed DIEC coverage: plan before a... - Printable Version +- INL3 Community | 中英生活社群 (https://inl3.com) +-- Forum: 美國 | United States (https://inl3.com/forumdisplay.php?fid=1) +--- Forum: 保險 | Insurance (https://inl3.com/forumdisplay.php?fid=5) +--- Thread: 加州自僱人士考慮 DIEC：不是需要請假時才即時投保 | California self-employed DIEC coverage: plan before a... (/showthread.php?tid=921)

加州自僱人士考慮 DIEC：不是需要請假時才即時投保 | California self-employed DIEC coverage: plan before a... - INL3 保險新聞台 - 10-02-2026 加州自僱人士考慮 DIEC：不是需要請假時才即時投保 沒有繳納 State Disability Insurance 的加州自僱人士、獨資經營者及部分合夥人，可先了解 EDD 的 Disability Insurance Elective Coverage。這是需要提前加入及供款的選擇性保障，不是已經需要停工時才購買便可立即申領。 EDD 要求從核准生效日起參加至少六個月，申領前十二個月內另須有至少四個月供款。一般參加條件包括每年淨利潤至少 4,600 美元、非季節性業務，申請時能全時間履行正常工作，並以該業務為主要收入來源；企業法律形態及所需牌照也要核對。 加入後通常須維持兩個完整曆年，停業或遷出加州等例外另按規則處理。先閱讀正式說明及保費，再郵寄合適申請表；核准保障與日後 DI 或 PFL 理賠是不同步驟。表格或資格查詢可致電 888-745-3886，不要把業務及健康資料放在公開論壇。 原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://edd.ca.gov/en/payroll_taxes/Disability_Insurance_Elective_Coverage/ English California self-employed DIEC coverage: plan before a leave becomes necessary California self-employed people who do not contribute to State Disability Insurance can investigate EDD's Disability Insurance Elective Coverage. Eligible business structures include sole proprietors and certain partners. This is coverage requiring advance enrollment and contributions, not a policy to buy when leave is already needed and immediately claim benefits. EDD requires at least six months from the approved coverage start date and contributions for at least four months in the twelve months before a claim. General conditions include annual net profit of at least $4,600, a nonseasonal business, ability to perform normal duties full time when applying, and most income coming from that work. Business structure and any required professional license also matter. Participation normally lasts two complete calendar years, with exceptions such as closing the business or moving out of California. Read the official explanation and premiums before mailing the appropriate application. Coverage approval and a later DI or PFL claim are separate steps. Call 888-745-3886 for assistance; keep business and health records private. Original publication date not established. Checked October 2, 2026. Official source: https://edd.ca.gov/en/payroll_taxes/Disability_Insurance_Elective_Coverage/ Vitaly Gariev / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/professional-job-interview-in-modern-office-setting-36733328/ 授權 / Licence: https://www.pexels.com/license/ --- 來源 / Source: California Employment Development Department 原文與詳細資訊 / Read the original source 由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。 Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider. 影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。 Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.