California, Hawaii, New Jersey, Rhode Island, Puerto Rico, have laws that require employers to provide Short Term Disability benefits for illness and non-occupational accidents to their employees.

The tendency of employers in those areas is to rely on the government programs and not have additional, voluntary short term disability programs, unless an employer in those locations also has employees in other states.

If you reside in one of the subject areas, the details of the law are important because these laws govern the benefits you receive if you become disabled.

Supplemental Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) both correlate with state disability income programs.

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