Employers may offer employees voluntary disability insurance coverage. If an employee becomes disabled or ill outside of work, disability benefits help replace a portion of their income to help cover basic living expenses, like groceries or rent, until they can return to work. In some states, like California, employees may be able to get insurance through a state disability program. Otherwise, Employers can offer both short-term disability insurance and long-term disability insurance through The Hartford. Learn more about What Is Disability Insurance.