Medical Leave in California: FMLA, CFRA, SDI, and Paid Family Leave

Medical leave in California combines two separate protections: unpaid job-protected time off under state law, and partial wage replacement paid out through a state insurance program funded by payroll deductions. Most workers at employers with five or more employees can take up to 12 weeks off for a serious health condition without losing their job, and collect 70 to 90 percent of their usual wages while they’re out. Pregnancy, new-child bonding, and caring for a sick family member each have their own rules layered on top.

Job-Protected Leave for Your Own Serious Illness

The California Family Rights Act is the law that keeps your job waiting for you. You qualify if you’ve worked for your employer for more than 12 months, logged at least 1,250 hours in that time, and your employer has at least five employees. If you meet those thresholds, you’re entitled to up to 12 workweeks of unpaid, job-protected leave in any 12-month period for a serious health condition that prevents you from doing your job.1California Legislative Information. California Code GOV 12945.2 – Family Care and Medical Leave

A serious health condition means an illness, injury, or physical or mental condition that involves inpatient care or continuing treatment by a healthcare provider.2Civil Rights Department. Family Care and Medical Leave Quick Reference Guide Surgeries that require an overnight hospital stay, chronic conditions needing periodic treatment, and illnesses that keep you out of work for more than three consecutive days with ongoing medical care all qualify. A one-day cold does not.

The same 12 weeks are available if you need to care for a family member with a serious health condition. California defines family broadly here: child of any age, spouse, domestic partner, parent, grandparent, grandchild, sibling, or a designated person whose relationship with you is the equivalent of family. You can name one designated person per 12-month period.1California Legislative Information. California Code GOV 12945.2 – Family Care and Medical Leave

If your employer has fewer than five employees, CFRA doesn’t apply. The federal Family and Medical Leave Act doesn’t fill that gap either; it kicks in only at 50 employees.

Pregnancy, Childbirth, and Bonding With a New Child

Pregnancy-related leave sits under a different statute and runs on different rules. If pregnancy, childbirth, or a related condition makes you unable to work, you’re entitled to up to four months of leave as certified by your healthcare provider, which works out to about 17⅓ workweeks for a full-time employee.3California Legislative Information. California Code GOV 12945 – Pregnancy Disability Leave4Legal Information Institute. Cal. Code Regs. Tit. 2, 11035 – Definitions There’s no minimum tenure or hours-worked requirement. You’re covered from your first day on the job as long as your employer has five or more employees, and your group health insurance has to continue on the same terms as if you were still working.

Pregnancy disability leave and CFRA bonding leave don’t overlap. CFRA runs after pregnancy leave ends, not alongside it.5Civil Rights Department. PDL Baby Bonding Guide A full-time employee disabled for the full four months of pregnancy leave can then take an additional 12 weeks of CFRA leave to bond with the new child, bringing the total to roughly 29 weeks of protected time off. CFRA bonding leave is also available after adoption or foster placement.

Shorter Absences: Paid Sick Leave

When a health need doesn’t rise to the level of a serious health condition, paid sick leave handles it. Every California employee accrues at least five days or 40 hours of paid sick time per year, earning at least one hour for every 30 hours worked. Many employers simplify this by frontloading the full amount at the start of each year.6California Legislative Information. California Code LAB 246 – Paid Sick Days

You can use paid sick days for diagnosis, care, or treatment of an existing condition, and for preventive care like annual physicals or vaccinations. Under Labor Code section 233, you can also use accrued sick leave to care for an ill family member, and the choice to use it that way is yours; your employer can’t override it.7California Legislative Information. California Code LAB 233 – Kin Care

One thing to know before you change jobs: California does not require employers to pay out unused sick leave at separation, unlike vacation time.8Department of Industrial Relations. Final Pay If you’re leaving, use your sick days or lose them.

Getting Paid While You’re Out: State Disability Insurance

CFRA and pregnancy disability leave are unpaid. Income replacement comes from a separate program: State Disability Insurance, administered by the Employment Development Department. SDI pays cash benefits when a non-work-related illness, injury, or pregnancy prevents you from doing your job.9Employment Development Department. State Disability Insurance

Benefits replace 70 to 90 percent of your wages, calculated from earnings 5 to 18 months before your claim start date. Lower earners get the higher replacement percentage. The maximum weekly benefit for 2026 is $1,765, and benefits can last up to 52 weeks depending on how long your disability continues.10Employment Development Department. Contribution Rates and Benefit Amounts

There’s a seven-day unpaid waiting period before benefits start. Your first payable day is the eighth calendar day after your disability begins.11Employment Development Department. Disability Insurance Claim Process Payments come by debit card or mailed check once the EDD processes your claim.

Paid Family Leave for Bonding and Caregiving

Paid Family Leave is SDI’s companion program, funded by the same payroll contributions and run by the same agency, but it covers different situations. PFL provides up to eight weeks of wage replacement in a 12-month period when you need time off to bond with a new child, care for a seriously ill family member, or support a family member deploying for military service.12Employment Development Department. Paid Family Leave

The weekly amount is calculated the same way as SDI, with the same $1,765 maximum for 2026.10Employment Development Department. Contribution Rates and Benefit Amounts Important limit: PFL does not give you a protected job to return to. Your position is protected only if you also qualify under CFRA or FMLA. If your employer is too small or you haven’t hit the CFRA tenure thresholds, PFL gives you income but no guaranteed job.

How to Request Leave and File a Claim

Give your employer at least 30 days of notice when leave is foreseeable, like a scheduled surgery or expected due date. For sudden emergencies, notify your employer as soon as you reasonably can.13Legal Information Institute. Cal. Code Regs. Tit. 2, 11091 – Requests for CFRA Leave Your employer can require a medical certification confirming when your condition started, how long it’s expected to last, and that you can’t perform your regular duties. They are not entitled to your diagnosis; the certification confirms the functional limitation, not the underlying medical details.14Employment Development Department. How to File a Disability Insurance Claim by Mail

For SDI or PFL money, file separately with the EDD through the SDI Online portal or by mailing the paper DE 2501 form. Part A is your statement and Part B is completed by your healthcare provider.14Employment Development Department. How to File a Disability Insurance Claim by Mail After the claim is processed, you’ll receive a Notice of Computation showing your weekly benefit amount and the wages used to calculate it.

If Your Employer Punishes You for Taking Leave

Denying a lawful leave request, retaliating against someone who uses protected leave, or firing an employee for taking medical leave are unlawful employment practices under the Fair Employment and Housing Act. An employer found in violation can be ordered to pay back wages, front pay for lost future earnings, compensatory damages for emotional distress, punitive damages, and your attorney’s fees.

Under Labor Code section 98.6, employees who face retaliation for exercising rights under the Labor Code, including paid sick leave, can also seek a civil penalty of up to $10,000 per violation on top of other remedies. Retaliation complaints must generally be filed within one year of the retaliatory act.15Labor Commissioner’s Office. Laws that Prohibit Retaliation and Discrimination

If you’re fired, demoted, have your hours cut, or face any other adverse action after requesting or using protected leave, file a complaint with the California Civil Rights Department for CFRA or pregnancy disability leave violations, or with the Labor Commissioner for paid sick leave issues. Both agencies investigate at no cost to you.