Disability insurance pays benefits to employees who are not working due to non-job-related accidents or illnesses. (Workers' compensation covers job-related injuries.) It also provides coverage for employees who may not be eligible for workers' compensation, or it may supplement workers' compensation.
A few states have laws that require employers to provide disability insurance, but Montana is not among them. Montana employers may provide such insurance, but they are not required to do so. State law, however, may require specific provisions in group disability insurance policies sold by insurers in Montana.