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Check your policy language for details. Some insurers will pay benefits based upon your inability to perform certain Activities of Daily Living (ADL): eating, bathing, transferring, etc.

Others will require confirmation that you were working prior to your disabling event.

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Q: If you become disabled due to pregnancy and are currently unemployed and collecting unemployment insurance are you able to collect disability insurance instead?
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Can you collect temporary disability in California even though you are currently unemployed?

Yes as long as you are not receiving unemployment assistance.


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