In the United States, there is no federal law that mandates private employers to provide disability insurance to their employees. However, some states have implemented their own regulations regarding disability insurance. For example, in California, employers are required to provide short-term disability insurance through the state disability insurance (SDI) program. Additionally, in New York, employers are mandated to provide disability benefits coverage through a statutory disability benefits (DBL) insurance policy. It's important to check the specific regulations in your state to determine if there are any legal requirements for disability insurance. Employers should consult with legal or insurance professionals to ensure compliance with state laws.