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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 (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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169064tools.aspxPolicies Short-term Disability Pay 06/01/2016National
160688index.aspxQuestions & Answers What are the funding rules for a contributory self funded short term disability plan? 02/25/2011National
159503surveys.aspxSurveys Disability and Group Insurance Survey Results - 2010 04/26/2010National
156443index.aspxAnalysis Disability Insurance 03/04/2009National
151571index.aspxQuestions & Answers Can we make an individual on short term disability use their vacation time during that time? 10/15/2003National
153054tools.aspxChecklists Disability Insurance Checklist 01/29/2003National
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... 08/26/2002National
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. 05/15/2002National
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? 12/11/2001National
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? 12/05/2001National
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. 11/05/2001National
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? 08/29/2001National
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"? 08/13/2001National
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? 07/30/2001National
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? 06/19/2001National
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... 05/16/2001National
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? 05/14/2001National
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... 04/09/2001National
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)? 03/18/2001National
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