One topic continually creates confusion – how to find, and where to send a New York State short-term disability claim form. The state program requires employers to purchase a conforming plan, but leaves the choice of insurer up to the employer.

The confusion starts with the multiple payer structure. Rather than one place to submit the form, there are many.


The NYS short-term disability program and Social Security benefit do not provide adequate income protection for many workers.

Supplemental, voluntary, and long-term policies bought through private companies can fill four very large holes.