What Is State Disability Insurance? 
State disability insurance is a government mandated program that many people mistakenly believe they have , but do n't . Only five states require private workers to participate in a short term disability program : California , Hawaii , New Jersey , New York , and Rhode Island . Forty five states do not have mandated state short term disability . Social Security Disability Insurance is managed at the state level , but is a federally funded program . Temporary disabilities are not covered . 