Statutory STD/LTD Benefits Insurance

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Long Term Disability Benefits Insurance.. does your state require these (STD & LTD) for employees?

if i remember correctly, our PM receptionist was covered for STD via remaining on payroll the 1st week he was out sick (as we grant 5 sick days per calendar year, and were closed S&S).

then when his doctor faxed that he can't return to work for a full month from the time he called in sick for his pre-existing health concern, we had to put him on LTD for the other 3 weeks out of our insurance policy, and he got paid 60% his normal pay, only, total, for those 3 weeks.