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Long-term ramifications taking depression-related leave/disability? California

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  • Long-term ramifications taking depression-related leave/disability? California

    Hello,

    My friend is suffering from clinical depression and is considering taking several months off under the Family Medical Leave Act/California Family Rights Act (CFRA). Her doctor (with a large HMO) is willing to provide the medical certification. She may also qualify for CA State Disability Insurance (SDI) with the medical certification.

    The questions:

    -- Does filing for CFRA for depression risk any ramifications for future employment, obtaining medical insurance, etc.?

    -- Does filing for SDI for depression risk any ramifications for future employment, obtaining medical insurance, etc.?

    -- Are there any other factors she should keep in mind before claiming CFRA and/or SDI?

    FYI, she has once been turned down for medical insurance as an individual on the open market when the company found out she had a history of mild (and treated) depression so the fears are at least partially founded. Of course, the risks of future problems are being weighed against what she needs in the here and now.

    I'd appreciate any perspective you can provide.

    Thank you.
    pot_o_chili
    Junior Member
    Last edited by pot_o_chili; 03-17-2011, 09:56 PM. Reason: Added questions

  • #2
    If your friend needs the time off (having trouble working, etc.) & she qualifies for FMLA
    or CFRA & SDI, she might consider taking leave & not worry about any possible future
    ramifications. Her health should come first.
    Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around. Leo Buscaglia

    Live in peace with animals. Animals bring love to our hearts and warmth to our souls.

    Comment


    • #3
      Neither CFRA or SDI will affect her ability to be insured on an employer sponsored, group policy, which are guaranteed issue as long as she applies when she is first eligible.
      The above answer, whatever it is, assumes that no legally binding and enforceable contract or CBA says otherwise. If it does, then the terms of the contract or CBA apply.

      Comment


      • #4
        However, her being turned down for ins. on an individual basis on the "open
        market" as she was previously is a possibility. However, this could happen
        whether she does or doesn't take leave.
        Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around. Leo Buscaglia

        Live in peace with animals. Animals bring love to our hearts and warmth to our souls.

        Comment


        • #5
          Thanks

          I really appreciate your quick and helpful responses.

          Comment


          • #6
            You're certainly welcome.
            Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around. Leo Buscaglia

            Live in peace with animals. Animals bring love to our hearts and warmth to our souls.

            Comment

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