SCA is piggy-backed on the regular FM carrier. The SCA audio actually rides on a subcarrier, as does the RDS data (or more correctly RBDS). RDS is what carries the information that tells an RDS-equipped radio what to show (station ID, name of song playing, etc.) on the radio's display.
One common SCA subcarrier is 67 kHz. The RDS subcarrier is 57 kHz. I believe there is yet another subcarrier at 92 kHz available. The percentage of modulation for these is no more than 10% (combined). Radio stations that use subcarriers can increase their total audio percentage by the amount used in subcarrier(s), up to a maximum 110%.
As you probably know, SCA can carry continuous music (usually different than the main music), foreign language broadcasts, educational programming, etc. Many stations have stopped using SCA music (background) programming because they could not complete with Muzak, satellite, etc., which allow you to select the genre of music you want.
SCA can be demodulated from the FM carrier with a simple phase-locked-loop (PLL) circuit. To hook up the PLL circuit, you need to attach the input of the circuit to an FM receiver prior to the de-emphasis network in the receiver's detector circuit. The output of the PLL circuit should then be connected to an ordinary audio amplifier. The PLL circuit can be breadboarded with a handful of parts, and is generally not that hard to connect if you have a schematic of the FM receiver. Ramsey used to sell a kit SCA demodulator (maybe they still do).
Since RDS is data, you could probably decode it with a computer software program.
The radio station I worked for used 67 kHz for their SCA audio and 57 kHz for paging, but they dumped both SCA and paging, and now transmit an RDS subcarrier.
Hope this helps.
Randy, K8TMK