State Disability Insurance

State disability insurance benefits are determined by where you live, where you work, and the type of coverage your need. Each state administers its version of Social Security Disability which covers permanent disabilities.  Scroll to the bottom of the page to find links to your state for your state disability office, forms and phone numbers.

Five states have mandated short term disability insurance coverage.  These state disability insurance programs provide benefits for disability lasting up to one year, with varying levels of income replacement.  

• State Short Term Disability Insurance - Five states have mandated coverage: California, Hawaii, New Jersey, New York, Rhode Island
• State Disability Insurance Office - Each state is tasked with administering Federal Social Security benefits.  Follow links to your state for forms, phone numbers, etc.
  
  

State Short Term Disability Insurance is mandated in five states: California, Hawaii, New Jersey, New York, and Rhode Island. If you work in one of the five states with mandated programs, your state disability insurance benefit may be limited.

• Percentage Caps: Each state replaces a percentage of your income - ranging from 50% to 66%
• Hard Dollar Caps: Each state caps the weekly benefit amount - ranging from $170 per week to $865 per week
• Limited Benefit Period: Benefits last from six to twelve months.

State short term disability benefits may be taxable. Each state varies.

State short term disability insurance does not automatically apply to every state resident. Keep in mind that these programs apply based upon where you work, not where you live. If you commute out of state you may not be covered. Government employees are not included. If you work for the federal, state, county, or municipal government, you may not have coverage. Teachers are government employees. People working in cash businesses may see lower state disability benefits - because they may report lower income. 

For those who work in one of the 45 other states, the option was left up to you. If you want any income replacement, you must apply for short term disability insurance before getting pregnant, injured, or sick.

Only the five states mentioned above have state mandated short term disability coverage.  But private coverage is readily in every state.

State disability insurance in the form of Social Security benefits is administered at the state level.  Follow the links below to find your state disability office address, phone number, or to find a state disability form.