The wildfires currently burning have already caused significant devastation. On top of losing their homes and possessions, many have also lost wages or employment. Understanding the resources available can help ease the burden. Below is an overview of key programs designed to provide financial relief and support. Please note that I am not a representative of the EDD and cannot guaranty eligibility.
For Employees:
1. California State Unemployment Insurance (UI)
If you’ve lost your job or have missed work due to the wildfires, you may qualify for Unemployment Insurance. This program offers temporary financial assistance to help you manage your expenses while seeking new employment or while waiting for business to resume. As the Governor declares areas impacted by the fires as disaster zones, the standard one-week waiting period for benefits will be waived.
2. State Disability Insurance (SDI)
Employees unable to work due to injury or illness caused by the fires may be eligible for State Disability Insurance. SDI provides partial wage replacement, offering critical financial support during recovery. Submit your claim online via the EDD portal.
3. Paid Family Leave (PFL)
If you need time off to care for a family member who has been injured by the wildfires, PFL offers up to eight weeks of benefits. Like SDI, this program provides partial wage replacement, allowing you to focus on caregiving without the added financial stress.
To apply to any of these programs, visit the Employment Development Department (EDD) website and follow the application process.
4. 401(k) Loan Option
For those with a 401(k) retirement account, a loan may be an option to access funds quickly. While this should be a last resort due to potential tax implications and repayment requirements, it can provide immediate financial relief in an emergency. Check with your plan administrator for details on eligibility and terms.
For Employers:
Payroll Tax Filing Extensions
Employers in wildfire-affected areas can request a two-month extension to file and deposit their state payroll taxes without penalties or interest. This extension provides valuable time to focus on recovery efforts and support your workforce. You can find more information on the EDD’s website: Emergency and Disaster Assistance for Employers.
Final Thoughts:
Both employees and employers face significant challenges during natural disasters, but these programs and extensions can provide much-needed relief. If you’re affected, don’t hesitate to reach out to the appropriate agencies for assistance.