How Do DI Benefits for Uncovered Public Workers Compare to SSDI?

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The brief’s key findings are:

  • Roughly one quarter of state and local workers are not covered by Social Security and get their disability insurance (DI) from their current employer.
  • To compare these state and local DI programs to Social Security, the Center created a new dataset – for public use – on eligibility standards and benefit provisions.
  • The analysis finds that most state and local DI programs provide relatively generous protection.
  • Specifically, these programs require only that workers are incapable of performing their current job, while Social Security requires inability to perform any job.
  • And they provide most long-tenured employees – those most at risk of experiencing a disability – with higher benefit replacement rates.