State directory
State-by-state income interruption risk context.
Each profile summarizes the four risk dimensions: personal profile, occupational exposure, geographic context, and financial resilience.
Personal profile
Age bands, employment types, and income dependency signals.
Occupational exposure
Physical intensity, injury frequency, and skill pivot risk.
Geographic context
State benefits, waiting periods, and replacement caps.
Financial resilience
Savings runway, fixed expense burden, and employer gaps.
State benefits, caps, and gaps
Most states either have no short-term disability program or cap benefits well below typical take-home pay. Waiting periods can delay the first check, and replacement rates often top out long before a household's fixed expenses do. Use each state page to see how availability, waiting periods, and caps interact with income bands.
The goal is clarity, not alarm: know what the state provides, where the gap begins, and how long savings may need to bridge it.
Search a location
Find a state or city profile to explore income interruption risk.
Where scores run higher
All states + DC
51 locationsAlabama
591 cities in the directory.
Alaska
355 cities in the directory.
Arizona
461 cities in the directory.
Arkansas
620 cities in the directory.
California
1591 cities in the directory.
Colorado
477 cities in the directory.
Connecticut
184 cities in the directory.
Delaware
79 cities in the directory.
District of Columbia
1 cities in the directory.
Florida
942 cities in the directory.
Georgia
669 cities in the directory.
Hawaii
158 cities in the directory.
Idaho
236 cities in the directory.
Illinois
1454 cities in the directory.
Indiana
970 cities in the directory.
Iowa
1024 cities in the directory.
Kansas
738 cities in the directory.
Kentucky
552 cities in the directory.
Louisiana
489 cities in the directory.
Maine
66 cities in the directory.
Maryland
532 cities in the directory.
Massachusetts
127 cities in the directory.
Michigan
740 cities in the directory.
Minnesota
904 cities in the directory.
Mississippi
426 cities in the directory.
Missouri
1081 cities in the directory.
Montana
495 cities in the directory.
Nebraska
593 cities in the directory.
Nevada
133 cities in the directory.
New Hampshire
41 cities in the directory.
New Jersey
654 cities in the directory.
New Mexico
514 cities in the directory.
New York
966 cities in the directory.
North Carolina
772 cities in the directory.
North Dakota
401 cities in the directory.
Ohio
1247 cities in the directory.
Oklahoma
838 cities in the directory.
Oregon
424 cities in the directory.
Pennsylvania
1861 cities in the directory.
Rhode Island
31 cities in the directory.
South Carolina
472 cities in the directory.
South Dakota
481 cities in the directory.
Tennessee
500 cities in the directory.
Texas
1832 cities in the directory.
Utah
332 cities in the directory.
Vermont
106 cities in the directory.
Virginia
679 cities in the directory.
Washington
633 cities in the directory.
West Virginia
439 cities in the directory.
Wisconsin
791 cities in the directory.
Wyoming
204 cities in the directory.