State:

Hide Topic Navigator
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.
Summary for [Your State]
Related Topics
Resources
Filter Document Types:
Filter Dates: Applies to News & White Papers
TypeTitleDateState
159504index.aspxGuidance 2010 Disability and Group Insurance Survey Results (for Nonsubscribers)  National
159510index.aspxGuidance 2010 Disability and Group Insurance Survey Results (Summary)  National
159640index.aspxGuidance 2010 Fringe Benefit Survey Series - Disability and Group Insurance Practices  National
151561index.aspxQuestions & Answers An employee is on short term disability for 10 weeks and takes an additional 13 weeks unpaid leave (FMLA). Does the employee upon return to work re-pay the employer for benefits that are normally payroll deductions?  National
151564index.aspxQuestions & Answers An employee was in a car accident and was out of work for 10 days. We filed a Short Term Disability claim for him. We received our STD claim check and it was only for Day 8, 9, and 10...  National
151566index.aspxQuestions & Answers Can a company of approx 50 employees (in Pennsylvania) set eligibility criteria for Long Term Disability so that only select employees may receive this benefit (for example -- criteria is 5 years of service or salary above 50K)?  National
151571index.aspxQuestions & Answers Can we make an individual on short term disability use their vacation time during that time?  National
151569index.aspxQuestions & Answers Currently an employer with a California based corporation has an employee in New York going on maternity leave. This employee states that because CA SDI is being taken out of her check, she has to be paid disability by either California or someone.  National
159503surveys.aspxSurveys Disability and Group Insurance Survey Results - 2010  National
156443index.aspxAnalysis Disability Insurance  National
153054tools.aspxChecklists Disability Insurance Checklist  National
160814index.aspxGuidance Disability Insurance, by State  National
167003index.aspxGuidance Disability Insurance, by State (PDF)  National
151563index.aspxQuestions & Answers Everything I have read indicates that if the plan is self- insured and there is a required SPD, you have an ERISA plan. Can you please provide some assistance/guidance on this issue?  National
151567index.aspxQuestions & Answers I have an employee that has requested short term disability and he has not returned the medical information we require to start his payments. We have made several phone calls to him and he has not responded to any of our requests.  National
151556index.aspxQuestions & Answers If a person in NY state suffers an injury 2 weeks after becoming unemployed and becomes disabled as a result, is he eligeble to receive short term disability benefits under his previous employer's plan?  National
151558index.aspxQuestions & Answers If an employee can not perform essential job functions and is planning to retire, can he/she use up short term disability benefits before retirement?  National
151560index.aspxQuestions & Answers Is there a law that says you have to let an employee accrue vacation and sick time if they are out on short-term disability, or is it a company decision?  National
151557index.aspxQuestions & Answers It seems to me that I should attempt to qualify her under FMLA. If she does not qualify with her current condition, then I should encourage her to return to work until she needs to take maternity leave...  National
151568index.aspxQuestions & Answers Sr. Mgmt wants to have an informal STD policy which we uniformly apply (up to 60 days paid in full) but not create a formal policy and announce it as a benefit. Are there any legal concerns to such an "informal policy"?  National
151565index.aspxQuestions & Answers We recently realized that we were not completely in compliance with our self administered Short Term Disability plan as we were not covering maternity under that policy...  National
160688index.aspxQuestions & Answers What are the funding rules for a contributory self funded short term disability plan?  National
151562index.aspxQuestions & Answers When a employee is on short term disability for an illness which is not work-related, and then has to switch to long-term disability, are there any laws governing the employer's right to terminate that employee?  National
WEBARRAY6
Copyright © 2014 Business & Legal Resources. All rights reserved. 800-727-5257
This document was published on http://Compensation.BLR.com
Document URL: http://compensation.blr.com/Compensation-topics/Disability/Disability-Insurance/