Is Disability Insurance Required By Law?

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   Brandon Roberts

   Owner, The Insurance Pro Blog,

   Not generally.  There are five states that require most all employers carry short term disability insurance on their employees.  These states are:
   
   California, Hawaii, New Jersey, New York, and Rhode Island.  
   
   Besides this mandatory short term disability law, there is no other legislative imperative for someone to purchase or be covered by disability insurance.

   Answered on August 23, 2013

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