Your need for disability insurance may be greater than you realize, and it's not a responsibility you should simply toss aside for your employer to deal with. Although worker's compensation insurance is required by law to be provided to you by your employer, disability insurance is not required in every state. Only in Hawaii, New Jersey, Rhode Island, and New York does state law obligate employers to provide disability insurance for up to 26 weeks. Currently, there are no state laws that require employers to provide you with long term disability insurance. If your employer does not provide enough or any disability insurance, look no further than New Horizon Insurance Services. We have many options for comprehensive disability insurance policies to best suit your needs.