State Disability Insurance - Get What you Deserve

State disability insurance policies provide mandatory short-term disability coverage to workers within a given state. Either the state issues the insurance directly, or requires employers to provide coverage free of charge. States with active disability insurance programs also give you the right to appeal for your benefits if your claim is initially rejected.

Unlike state-issued worker’s compensation insurance, state disability insurance also covers you for any illness or injury which may occur outside of work. You may not even need to be injured yourself – some state disability insurance policies also cover paternity leave for new fathers. However, most state disability insurance policies only cover a few months’ worth of wages.

At present, only five states – California, Hawaii, New Jersey, New York, and Rhode Island – either directly provide or require employers to provide state disability insurance. Still, many employers in other states do choose to offer their own short term disability insurance as part of their employee’s benefits package.