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 (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.
Summary for [Your State]