Eight statutes, one claimant
CA SDI, CA PFL, NY DBL, NY PFL, NJ TDI, NJ FLI, RI TDI, HI TDI, plus MA, CT, WA, CO and OR. Each state has its own waiting period, weekly maximum, eligibility test and stacking rule with the STD or the FMLA. Owl reads the file, walks each statute, and gives you the order, the amounts, the offset.
Day 8
Where STD and CA SDI integrate
$1,540/wk
CA SDI weekly max, 2025
$0 overpayment
If integration metered correctly
Three AI agents on a State DI / PFL file. Reading. Cross-referencing. Answering.
One claim: a CA-resident sales engineer with three benefit streams all running at the same time.
Anonymized composite: claimant 47M, CA resident, $185K base, post-MI cardiac rehab, employer-paid STD, eligible CA SDI.
External data only. None of this lives in your CMS. Owl gathered it from public records, professional networks, registries and the open web, then resolved it to this claimant.
CA UI Code §2629 establishes that employer-paid wage continuation (STD) and CA SDI integrate, not stack. Combined benefit cannot exceed claimant’s pre-disability wage. Carrier policy section 7.4 references "applicable state DI offset"; this triggers integration on day 8 of CA SDI eligibility.
Claimant has $40K of variable comp on top of $185K base. CA EDD computes weekly benefit on highest-earning quarter wages including variable; carrier STD policy uses base-only. Both calculations reach the respective weekly max. No actionable mismatch on benefit amount, but mismatch matters for any future return-to-work partial-disability period.
FMLA runs concurrently with both STD and CA SDI for the 12-week job-protection window. No financial interaction (FMLA is unpaid federal leave) but the documentation packet must reflect concurrent designation to preserve employer obligations.
If carrier pays full STD week 1-4 without integrating CA SDI on day 8, projected overpayment is $6,160 (4 weeks × $1,540). Owl recommends EDD-data-share with EDI weekly. Alternatively, hold-back 25% until first SDI confirmation, then reconcile.
Week 1 (days 1-7): STD waiting period or first-day pay per policy ($3,500/wk net). CA SDI is in its 7-day waiting period. Day 8 onward (weeks 2-12, projected RTW): STD pays $3,500 weekly cap, CA SDI pays $1,540 directly to claimant, carrier reduces STD to $1,960/wk net (3,500 − 1,540) per CA UI §2629. Combined to claimant: $3,500/wk. No stacking. Set EDI data-share with EDD to confirm SDI weekly; if SDI weekly arrives mid-week, prorate. Recommended hold-back: $385/wk (25% of SDI estimate) for first 2 weeks until first EDD confirmation, then release.
No, CA SDI is the only state stream for this claim. Claimant is a CA resident working for a CA-headquartered employer; no PFL because this is the claimant’s own disability (not bonding or family care). If RTW partial occurs, CA SDI partial-benefit calculation applies under §2655. If disability extends past 52 weeks, carrier LTD takes over and CA SDI exhausts; SSDI assistance referral should be teed up at week 16 per the LTD/SSDI playbook.
What the world says about your State DI / PFL claimants, none of which lives in your CMS.
Internal claim data is half the picture: it tells you what the claimant told you. OwlSignal continuously gathers external data (public records, professional and corporate registries, court dockets, social and open web) and matches it back to the claimant. These are the families that move the needle on State DI / PFL.
Eight currently-active state DI/PFL statutes plus the growing roster (CA, NY, NJ, RI, HI, MA, CT, WA, CO, OR): eligibility tests, weekly maximums, waiting periods, integration and stacking rules.
Annual weekly-max tables for every state, indexed updates, AWW computation rules, and base-wage definitions per state.
CA EDD EDI partner program, NY DBL data-share, NJ TDI data-share, and the workflows that let carriers settle weekly integration without manual reconciliation.
Federal FMLA, ADA reasonable-accommodation, USERRA, PWFA, read once, walked on every state DI claim where federal-state concurrency matters.
State agency processing-times, denial-rate by issue, appeal-reversal-rate, and Owl’s graph of which agencies require which forms in which order.
Carrier overpayment SOPs, hold-back patterns, weekly reconciliation models, and the math that keeps integration accurate without creating member overpayment exposure.
Numbers from carriers running Owl on State DI / PFL coordination in production.
Built for the regulatory shape of State DI / PFL.
Lives where your State DI / PFL files live.
STD/LTD platforms
FINEOS, DXC, Majesco, Origami, in-house
State EDI
CA EDD, NY State, NJ DOL, RI DLT
HRIS / leave
Workday, ADP, UKG, AbsenceSoft, Larkr
Document intake
Box, OnBase, ImageRight
Earnings + tax
Equifax Work Number, employer payroll
Identity & SSO
Okta, Azure AD, PingFederate, SAML, SCIM
Bring us a quarter of state-DI eligible claims. We’ll show you the integration math on day one.
Two-week pilot. Your STD/LTD stream, your tenant, your state mix. We measure first-touch integration accuracy, latent overpayment, cycle time and EDI enrollment against your own ground truth.