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There are five states and Puerto Rico that offer disability income insurance to employees working in these areas. In general, most of the U.S. has decided that state disability insurance has not been a priority, however. The coverage offered by these states is normally termed Temporary Disability Insurance (TDI) or sometimes called “cash sickness benefits.” If you work in one of the following states, you may be eligible for employee disability coverage.
Refer to your insurance policy contract for specific information regarding your coverage and for actual terms, conditions and exclusions. The above statements are general in nature and may or may not reflect the actual terms of your insurance policy.