diff --git a/changelog.d/fix-9813-ca-sdi-rate-by-year.fixed.md b/changelog.d/fix-9813-ca-sdi-rate-by-year.fixed.md
new file mode 100644
index 00000000000..4f07caa0735
--- /dev/null
+++ b/changelog.d/fix-9813-ca-sdi-rate-by-year.fixed.md
@@ -0,0 +1 @@
+Apply the California employee SDI rate for each year from 2006 (1.1% in 2024 and 1.2% in 2025, not 1.3%) and the SDI taxable wage limit through 2023, from EDD's DE 3395.
diff --git a/policyengine_us/parameters/gov/states/ca/tax/payroll/disability/employee_rate.yaml b/policyengine_us/parameters/gov/states/ca/tax/payroll/disability/employee_rate.yaml
index d149567fc8e..4ee58764a40 100644
--- a/policyengine_us/parameters/gov/states/ca/tax/payroll/disability/employee_rate.yaml
+++ b/policyengine_us/parameters/gov/states/ca/tax/payroll/disability/employee_rate.yaml
@@ -1,6 +1,20 @@
 description: Employee-side California State Disability Insurance contribution rate.
 values:
-  0000-01-01: 0.013
+  # DE 3395 Rev. 55 lists rates from 2006; earlier years reuse the 2006 rate.
+  0000-01-01: 0.008
+  2007-01-01: 0.006
+  2008-01-01: 0.008
+  2009-01-01: 0.011
+  2011-01-01: 0.012
+  2012-01-01: 0.01
+  2015-01-01: 0.009
+  2018-01-01: 0.01
+  2021-01-01: 0.012
+  2022-01-01: 0.011
+  2023-01-01: 0.009
+  2024-01-01: 0.011
+  2025-01-01: 0.012
+  2026-01-01: 0.013
 
 metadata:
   period: year
@@ -11,5 +25,13 @@ metadata:
       href: https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=UIC&sectionNum=984.
     - title: California Unemployment Insurance Code Section 985
       href: https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=UIC&sectionNum=985.
+    - title: EDD, Tax Rates, Wage Limits, and Value of Meals and Lodging (DE 3395 Rev. 55 (1-13)), SDI Tax % column, 2006-2013
+      href: https://web.archive.org/web/20130124000837/http://www.edd.ca.gov/pdf_pub_ctr/de3395.pdf#page=1
+    - title: EDD, Tax Rates, Wage Limits, and Value of Meals and Lodging (DE 3395 Rev. 61 (12-17)), SDI Tax % column, 2011-2018
+      href: https://web.archive.org/web/20181221225340/https://www.edd.ca.gov/pdf_pub_ctr/de3395.pdf#page=1
+    - title: EDD, Tax Rates, Wage Limits, and Value of Meals and Lodging (DE 3395 Rev. 69 (1-26)), SDI Tax % column, 2019-2026
+      href: https://edd.ca.gov/siteassets/files/pdf_pub_ctr/de3395.pdf#page=1
+    - title: EDD, Contribution Rates, Withholding Schedules, and Meals and Lodging Values (SDI withholding rates, 2023-2026)
+      href: https://edd.ca.gov/en/payroll_taxes/rates_and_withholding
     - title: 2026 California Payroll Taxes (DE 201)
       href: https://edd.ca.gov/siteassets/files/pdf_pub_ctr/de201.pdf#page=1
diff --git a/policyengine_us/parameters/gov/states/ca/tax/payroll/disability/taxable_wage_base.yaml b/policyengine_us/parameters/gov/states/ca/tax/payroll/disability/taxable_wage_base.yaml
new file mode 100644
index 00000000000..30303600d3e
--- /dev/null
+++ b/policyengine_us/parameters/gov/states/ca/tax/payroll/disability/taxable_wage_base.yaml
@@ -0,0 +1,39 @@
+description: California limits employee State Disability Insurance contributions to wages up to this amount per employee.
+values:
+  # DE 3395 Rev. 55 lists limits from 2006; earlier years reuse the 2006 limit.
+  0000-01-01: 79_418
+  2007-01-01: 83_389
+  2008-01-01: 86_698
+  2009-01-01: 90_669
+  2010-01-01: 93_316
+  2012-01-01: 95_585
+  2013-01-01: 100_880
+  2014-01-01: 101_636
+  2015-01-01: 104_378
+  2016-01-01: 106_742
+  2017-01-01: 110_902
+  2018-01-01: 114_967
+  2019-01-01: 118_371
+  2020-01-01: 122_909
+  2021-01-01: 128_298
+  2022-01-01: 145_600
+  2023-01-01: 153_164
+  # UIC 985(b) (SB 951 (2022), as amended by SB 143 (2023)): the limit does
+  # not apply to wages paid on or after January 1, 2024.
+  2024-01-01: .inf
+
+metadata:
+  period: year
+  unit: currency-USD
+  label: California employee SDI taxable wage base
+  reference:
+    - title: California Unemployment Insurance Code Section 985(a) (wage limit) and (b) (no limit for wages paid on or after January 1, 2024)
+      href: https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=UIC&sectionNum=985.
+    - title: EDD, Tax Rates, Wage Limits, and Value of Meals and Lodging (DE 3395 Rev. 55 (1-13)), Maximum Taxable Wage Base DI column, 2006-2013
+      href: https://web.archive.org/web/20130124000837/http://www.edd.ca.gov/pdf_pub_ctr/de3395.pdf#page=1
+    - title: EDD, Tax Rates, Wage Limits, and Value of Meals and Lodging (DE 3395 Rev. 61 (12-17)), Maximum Taxable Wage Base DI column, 2011-2018
+      href: https://web.archive.org/web/20181221225340/https://www.edd.ca.gov/pdf_pub_ctr/de3395.pdf#page=1
+    - title: EDD, Tax Rates, Wage Limits, and Value of Meals and Lodging (DE 3395 Rev. 69 (1-26)), Maximum Taxable Wage Base DI column and footnote 1, 2019-2026
+      href: https://edd.ca.gov/siteassets/files/pdf_pub_ctr/de3395.pdf#page=1
+    - title: EDD, Contribution Rates, Withholding Schedules, and Meals and Lodging Values (2023 SDI taxable wage limit; no limit from 2024 under SB 951)
+      href: https://edd.ca.gov/en/payroll_taxes/rates_and_withholding
diff --git a/policyengine_us/tests/policy/baseline/gov/states/ca/tax/payroll/disability/ca_employee_state_disability_insurance_contribution.yaml b/policyengine_us/tests/policy/baseline/gov/states/ca/tax/payroll/disability/ca_employee_state_disability_insurance_contribution.yaml
index d6a408eee6d..ae87128870b 100644
--- a/policyengine_us/tests/policy/baseline/gov/states/ca/tax/payroll/disability/ca_employee_state_disability_insurance_contribution.yaml
+++ b/policyengine_us/tests/policy/baseline/gov/states/ca/tax/payroll/disability/ca_employee_state_disability_insurance_contribution.yaml
@@ -7,3 +7,135 @@
     state_code: CA
   output:
     ca_employee_state_disability_insurance_contribution: 65
+
+- name: Case 2, California SDI in 2023 uses the 0.9% rate below the taxable wage limit.
+  period: 2023
+  input:
+    employment_income: 60_000
+    state_code: CA
+  output:
+    # DE 3395: 2023 SDI rate 0.9%, taxable wage limit $153,164.
+    # 0.9% x 60,000 = 540.
+    ca_employee_state_disability_insurance_contribution: 540
+
+- name: Case 3, California SDI in 2023 stops at the taxable wage limit.
+  period: 2023
+  absolute_error_margin: 0.01
+  input:
+    employment_income: 200_000
+    state_code: CA
+  output:
+    # 0.9% x min(200,000, 153,164) = 1,378.48, the 2023 maximum withholding.
+    ca_employee_state_disability_insurance_contribution: 1_378.48
+
+- name: Case 4, California SDI in 2024 uses the 1.1% rate on all wages.
+  period: 2024
+  input:
+    employment_income: 200_000
+    state_code: CA
+  output:
+    # DE 3395: 2024 SDI rate 1.1%; no taxable wage limit from 2024 (UIC 985(b)).
+    # 1.1% x 200,000 = 2,200.
+    ca_employee_state_disability_insurance_contribution: 2_200
+
+- name: Case 5, California SDI in 2025 uses the 1.2% rate.
+  period: 2025
+  input:
+    employment_income: 60_000
+    state_code: CA
+  output:
+    # DE 3395: 2025 SDI rate 1.2%. 1.2% x 60,000 = 720.
+    ca_employee_state_disability_insurance_contribution: 720
+
+- name: Case 6, California SDI in 2026 uses the 1.3% rate on all wages.
+  period: 2026
+  input:
+    employment_income: 200_000
+    state_code: CA
+  output:
+    # DE 3395: 2026 SDI rate 1.3%, no wage limit. 1.3% x 200,000 = 2,600.
+    ca_employee_state_disability_insurance_contribution: 2_600
+
+- name: Case 7, California SDI in 2010 stops at the 2010 taxable wage limit.
+  period: 2010
+  absolute_error_margin: 0.01
+  input:
+    employment_income: 200_000
+    state_code: CA
+  output:
+    # DE 3395 Rev. 55: 2010 SDI rate 1.1%, taxable wage limit $93,316.
+    # 1.1% x min(200,000, 93,316) = 1,026.476.
+    ca_employee_state_disability_insurance_contribution: 1_026.48
+
+- name: Case 8, California SDI in 2011 uses the 1.2% rate below the taxable wage limit.
+  period: 2011
+  input:
+    employment_income: 60_000
+    state_code: CA
+  output:
+    # DE 3395 Rev. 61: 2011 SDI rate 1.2%, taxable wage limit $93,316.
+    # 1.2% x 60,000 = 720.
+    ca_employee_state_disability_insurance_contribution: 720
+
+- name: Case 9, California SDI in 2015 stops at the 2015 taxable wage limit.
+  period: 2015
+  absolute_error_margin: 0.01
+  input:
+    employment_income: 200_000
+    state_code: CA
+  output:
+    # DE 3395 Rev. 61: 2015 SDI rate 0.9%, taxable wage limit $104,378.
+    # 0.9% x min(200,000, 104,378) = 939.402.
+    ca_employee_state_disability_insurance_contribution: 939.40
+
+- name: Case 10, California SDI in 2018 stops at the 2018 taxable wage limit.
+  period: 2018
+  absolute_error_margin: 0.01
+  input:
+    employment_income: 200_000
+    state_code: CA
+  output:
+    # DE 3395 Rev. 61: 2018 SDI rate 1.0%, taxable wage limit $114,967.
+    # 1.0% x min(200,000, 114,967) = 1,149.67.
+    ca_employee_state_disability_insurance_contribution: 1_149.67
+
+- name: Case 11, California SDI in 2021 stops at the 2021 taxable wage limit.
+  period: 2021
+  absolute_error_margin: 0.01
+  input:
+    employment_income: 200_000
+    state_code: CA
+  output:
+    # DE 3395 Rev. 69: 2021 SDI rate 1.2%, taxable wage limit $128,298.
+    # 1.2% x min(200,000, 128,298) = 1,539.576.
+    ca_employee_state_disability_insurance_contribution: 1_539.58
+
+- name: Case 12, California SDI in 2023 at exactly the taxable wage limit.
+  period: 2023
+  absolute_error_margin: 0.01
+  input:
+    employment_income: 153_164
+    state_code: CA
+  output:
+    # DE 3395 Rev. 69: 2023 SDI rate 0.9%, taxable wage limit $153,164.
+    # 0.9% x 153,164 = 1,378.476, the 2023 maximum withholding.
+    ca_employee_state_disability_insurance_contribution: 1_378.48
+
+- name: Case 13, California SDI in 2022 limits each earner's wages separately.
+  period: 2022
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        employment_income: 200_000
+      person2:
+        employment_income: 50_000
+    households:
+      household:
+        members: [person1, person2]
+        state_code: CA
+  output:
+    # DE 3395 Rev. 69: 2022 SDI rate 1.1%, taxable wage limit $145,600.
+    # person1: 1.1% x min(200,000, 145,600) = 1,601.60.
+    # person2: 1.1% x 50,000 = 550.
+    ca_employee_state_disability_insurance_contribution: [1_601.60, 550]
diff --git a/policyengine_us/variables/gov/states/ca/tax/payroll/disability/ca_employee_state_disability_insurance_contribution.py b/policyengine_us/variables/gov/states/ca/tax/payroll/disability/ca_employee_state_disability_insurance_contribution.py
index d793b7c9a67..8abb504b7af 100644
--- a/policyengine_us/variables/gov/states/ca/tax/payroll/disability/ca_employee_state_disability_insurance_contribution.py
+++ b/policyengine_us/variables/gov/states/ca/tax/payroll/disability/ca_employee_state_disability_insurance_contribution.py
@@ -12,7 +12,16 @@ class ca_employee_state_disability_insurance_contribution(Variable):
     definition_period = YEAR
     unit = USD
     defined_for = StateCode.CA
+    reference = (
+        "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=UIC&sectionNum=984.",
+        "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=UIC&sectionNum=985.",
+        "https://edd.ca.gov/siteassets/files/pdf_pub_ctr/de3395.pdf#page=1",
+    )
 
     def formula(person, period, parameters):
-        rate = parameters(period).gov.states.ca.tax.payroll.disability.employee_rate
-        return rate * person("ca_payroll_tax_gross_wages", period)
+        p = parameters(period).gov.states.ca.tax.payroll.disability
+        wages = person("ca_payroll_tax_gross_wages", period)
+        # UIC 985: contributions apply to wages up to the taxable wage limit
+        # through 2023; from 2024 there is no limit.
+        taxable_wages = min_(wages, p.taxable_wage_base)
+        return p.employee_rate * taxable_wages