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The DBL Center - Insurance Wholesaler

Niche Insurance Specialist. Your Insurance Wholesaler since 1976

T (631) 293 51 00
Email: Info@dblcenter.com

Niche Insurance Specialist.
155 Pinelawn Road Suite 120S Melville, NY 11747

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September 13, 2025

Archive for Author: Michael Cohen

After graduating from Boston University in 2002, Michael Cohen spent several years in the film and television industry, working as a producer, writer and stand-up comedian. Licensed to sell insurance at the age of 18, Cohen entered the family business full time in 2005 and brought the experience of the entertainment industry to The DBL Center. Nine years later, he became a member of the prestigious Friars Club in NYC, where he found a way to blend his passion for the arts with his day job to assist with the growth of The DBL’s Center’s General Agency, which he is proud to say has more than doubled since he came on board.

Changes in Minnesota and New York: What Brokers Need to Know

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Michael Cohen
Tuesday, 02 September 2025 / Published in Business, Disability Coverage, Life Insurance, Paid Family Leave
What Brokers Need to Know
Big news broke in New York just prior to Labor Day weekend – but it wasn’t the news of a DBL benefit increase New York workers were hoping for. Instead, the State of New York raised the PFL premium contribution rate starting January 1, 2026. It’s an 11.31% increase, bringing the new rate to 0.432%

New York Announces 2026 PFL Rate

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Michael Cohen
Friday, 29 August 2025 / Published in Paid Family Leave
Paid Family Leave
Based on commonly accepted actuarial principles, the Superintendent has determined that the premium rate for Paid Family Leave benefits for coverage beginning January 1, 2026, shall be increased by +11.31% compared to the premium rate applicable for calendar year 2025. The 2026 PFL rate will be set at 0.432% of an employee’s wages each pay

It’s Time… To Quote Minnesota PFML

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Michael Cohen
Sunday, 24 August 2025 / Published in Paid Family Leave
Minnesota PFML
The state of Minnesota sets deadline for Minnesota business owners to submit private plans for approval. When you hear the words “it’s time,” what’s your first thought? Those of us of a certain age (i.e. Gen X and “older” millennials) hear a tired voice saying, “It’s time to make the donuts.” We picture an older,

Life Insurance Sales: Education is Key for Younger Market

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Michael Cohen
Monday, 18 August 2025 / Published in Life Insurance
Life Insurance Sales: Education is Key for Younger Market
Recent insights from nonprofits show people vastly overestimate life insurance costs. When it comes to selling life insurance and other ancillary benefits, insurance brokers face a vast, untapped market: younger working Americans. What’s the best way to reach this market, especially when Gen Z tends to trust TikTok and other social media for financial advice?

Understanding Intermittent Paid Family and Medical Leave

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Michael Cohen
Tuesday, 22 July 2025 / Published in Paid Family Leave
Intermittent Paid Family and Medical Leave
State laws vary – know the basics so you can help guide your clients. Life is rarely predictable. That’s especially true for new parents or anyone caring for a loved one who is sick or aging. Raising a newborn or caring for loved ones often means taking time off work for doctor’s appointments or taking

What Does the End of COVID Sick Leave Mean for NYS Insurance Brokers?

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Michael Cohen
Monday, 23 June 2025 / Published in Insurance
Man sick with COVID.
COVID leave ends, but NY employees have other options for time off. State-mandated pay and job protection for New Yorkers specifically suffering from COVID-19 or taking care of a child or loved one with COVID is set to expire on July 31, 2025, according to the NY State Paid Family Leave website. Under the law,

What is the Best State for Paid Family Leave?

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Michael Cohen
Friday, 13 June 2025 / Published in Paid Family Leave
PFML State Analysis
Explore 7 states with massive opportunities for employee benefits brokers. When it comes to Paid Family and Medical Leave, statutory programs vary widely across the different states that offer programs. New York became a forerunner in Paid Family Leave when the program was introduced in 2017. Written as a rider to the state’s mandatory DBL

New York Disability Benefits Law Awaits Vote

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Michael Cohen
Friday, 06 June 2025 / Published in NYS DBL
New York State Capitol
Here’s how insurance brokers can help get the 1989 NYS disability benefits law updated As students across New York State await the end of the school year, insurance brokers specializing in New York State disability benefits have something else on our minds: the proposed increase to NYS disability benefits (DBL insurance). For those of us

Do You Know How to Build Client Loyalty?

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Michael Cohen
Wednesday, 04 June 2025 / Published in Business, Disability Coverage, NYS DBL
Building Client Loyalty
Stand out and boost commissions with these secrets from DBL Center Members of The DBL Center team celebrated our company’s ongoing success at a dinner in The Northport Hotel’s restaurant with a few leaders from one of our preferred carrier partners, Lincoln Financial. We all share a love for travel, music, and food, which made

Employee Benefits Are Not a Commodity – Here’s Why

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Michael Cohen
Tuesday, 06 May 2025 / Published in Disability Coverage
Meeting About Employee Benefits
How can insurance brokers help their clients make the right choices? In the past decade, online commerce has reached a point where you can buy everything from cat food to car insurance (and even a car!) online. But just because you can doesn’t mean you should, especially when it comes to big-ticket purchases. It might

Enriched DBL Coverage in 2025 – 5 Things Your Clients Need to Know

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Michael Cohen
Monday, 05 May 2025 / Published in Enriched DBL
Enriched DBL coverage helps New York businesses recruit top talent
New York businesses should be aware of NYS disability requirements. NYS DBL Coverage, or Disability Benefits Law, ensures that employees who are injured, ill, or give birth to a child can take time off without losing all their income. Although disability benefits in New York only pay 50% of an employee’s paycheck—and only up to
disability coverageenriched DBLNYS DBL

Upcoming Webinar (May 20th) | No More Backdating: Learn How to Manage Cancellations and Reinstatements

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Michael Cohen
Monday, 28 April 2025 / Published in Uncategorized
Does Your Insurance Brokerage Track Cancellations to Improve Cash Flow?
Register today for our free webinar on May 20th, 11AM ET – No More Backdating: Learn How to Manage Cancellations and Reinstatements. Imagine a credit card with an unpaid balance that goes back years with no interest or fees. That’s how New York State has handled mandatory short-term disability coverage (DBL), but this time is
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