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Disability Insurance
National Summary
What is disability insurance? Disability insurance replaces income lost due to injuries and illnesses that are not job related. Disability insurance is available through commercial insurance companies or through self-insurance and comes in both short- and long-term forms. There are numerous options for designing a disability insurance plan to meet the needs of a particular employer.
In most states, employers are not legally required to provide disability insurance. Only a few jurisdictions (e.g., California, Hawaii, New Jersey, New York, Puerto Rico, and Rhode Island) require that employees be covered by short-term disability insurance through state-run programs or by equivalent private or self-insurance coverage. The state programs provide only minimal benefit levels and do not provide long-term coverage.
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TypeTitleDateState
82151surveys.aspxSurveys 2010 Disability and Group Insurance Survey Results  National
82152state_comparison_charts.aspxGuidance 2010 Disability and Group Insurance Survey Results (for Nonsubscribers)  National
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87610faqs.aspxQuestions & Answers Are there any best practices for collecting health insurance premiums for employees when they are out on leave (such as STD or FMLA)? 05/16/2011National
2702timesavers.aspxChecklists Disability Insurance Checklist  National
10269state_comparison_charts.aspxGuidance Disability Insurance, by State  National
91465state_comparison_charts.aspxGuidance Disability Insurance, by State (PDF)  National
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80886faqs.aspxQuestions & Answers How does one go about filing a Federal Disability claim with Social Security Administration. What forms are needed? When does one file? Where does one file? What is Social Securities definition of Disablility? 10/01/2009National
8661timesavers.aspxPolicies Short-Term Disability Policy  National
16164timesavers.aspxPolicies Short-Term Disability Policy (Standard II)  National
16165timesavers.aspxPolicies Short-Term Disability Policy (Standard III)  National
87687faqs.aspxQuestions & Answers What is the form that our employee whose base work in CO should complete for maternity leave? 05/19/2011National
93732faqs.aspxQuestions & Answers When an employee is on STD are they allowed to receive commissions? 06/11/2013National
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