State Disability Insurance Requirements - Statutory DBL


In most states, employers are required to provide medical and compensation benefits to employees that are injured during the course of employment. A workers’ compensation insurance policy provides a method to fund these claims. But if an injury occurs when an employee is not at work, how are disability benefits paid to the employee?  Currently only five states and the Commonwealth of Puerto Rico require employers to provide short-term disability insurance benefits…

States Requiring Coverage:     

California State Disability Insurance (SDI)

    Hawaii Temporary Disability Insurance (TDI)

    New Jersey Temporary Disability Insurance (TDI)

    New York Disability Benefits (DBL)

    Rhode Island Temporary Disability Insurance (TDI)

Carriers offering coverage:

ShelterPoint Life, Guardian, Hartford, Guard

Standard Security, AmTrust

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