Maryland has no state short-term disability insurance program. If you become disabled, you're immediately dependent on your employer's plan and whatever savings you have. That's a significant exposure for a Maryland professional earning $100,000 or more.
The gap nobody talks about
Maryland has no state disability program. That means every dollar of disability income protection has to come from employer plans, federal programs, or individual insurance.
Unlike New York and New Jersey, Maryland has no state-funded short-term disability program. A Maryland professional who becomes disabled relies entirely on their employer LTD and any individual coverage they've secured.
Maryland professionals in Montgomery County and Howard County often earn $140,000 to $200,000. Employer LTD capped at $10,000 to $15,000 per month covers $120,000 to $180,000 per year. After taxes, that's a meaningful income reduction.
Federal employees in Maryland have some disability coverage through the Office of Personnel Management, but OPM disability benefits can take months to process and often pay less than expected. Individual DI provides faster and more reliable income replacement.
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