New York Disability Benefits Law
NYS and NYC Short-Term Disability Coverage
In New York, all businesses are required to have DBL and PFL (paid family leave) coverage. New York State disability benefits law provides partial pay and job protected leave for workers requiring leave for serious health conditions, such as an injury or illness incurred off the job.
NY DBL law allows for private and enriched NYS disability insurance benefits through approved carriers. Business owners can choose to write NY disability insurance through the New York State Insurance Fund (NYSIF) or through a private insurance carrier. When you show your clients the distinct advantages of a private DBL plan, the choice becomes clear.
Let The DBL Center help your clients get the coverage they deserve.
Contact The DBL Center today to help you write the DBL policy your clients didn’t know they needed.
Is $170 a Week Enough for Anyone To Live On? The State of New York Thinks So!
The state minimum coverage per employee in New York remains at rates set in 1989. Employees who meet NYS DBL eligibility requirements for short-term disability receive just $170 per week if they don’t have an enriched DBL policy.
In the event of a catastrophic illness or injury, who could live on that without any supplemental coverage?
In spite of multiple pieces of legislation presented in recent years, the NYS Assembly has failed to pass a law increasing DBL benefits.
The DBL Center remains at the forefront of industry news in our home state. We encourage brokers to stay informed about legislative changes and any upcoming votes to increase DBL benefits.
New York State DBL vs. PFL: What’s the Difference?
Employees who file a Paid Family Leave (PFL) claim in NY receive 67% of their average weekly wage, with a much higher cap on benefits than disability coverage.
That means New York State workers who are caring for a family member or caring for and bonding with a child after birth, adoption or fostering within the first year receive more than they get to take care of themselves. Make it make sense, as the kids say!
No doubt, paid family leave is an important benefit that can help close the gender wage gap, while encouraging both partners (not only the birthing parent) to play a larger role in childcare in the first year. But workers who need medical care for themselves shouldn’t have to stress about how they will pay the bills while they are on leave.
In today’s competitive employment environment, if business owners want to attract top talent in any sector, they have to offer their employees more coverage, more options, and more security.
As their insurance agent of choice, you are in a unique position to offer enhanced coverage, multi-line discounts, and white-glove service. The DBL Center makes it easy for you to help your clients save money while you earn commission on a required benefit.
What Smart Insurance Brokers Need to Know About NY DBL Benefits
New York disability insurance offers up to 26 weeks of job-protected leave at partial pay per calendar year to NYS workers.
When your clients privatize DBL, they enjoy the advantages of personalized service, no waiting period for claims, and the opportunity to enrich benefits up to a maximum of 60% of an employee's wages up to $850 per week. You can also add in-hospital coverage.
Plus, you can earn commissions on a private DBL policy, including enriched DBL.
Learn more about enriching DBL through The DBL Center here.
Enhanced Benefits, Competitive Rates, and White-Glove Service
As a top insurance agent, when you purchase your NY DBL disability benefits law insurance through The DBL Center, you can take advantage of our relationships wth top carriers to secure competitive rates while earning top commissions – with no minimum quotas to worry about.
When clients save on DBL insurance, they can take that cost savings and roll it into ancillary benefits to fill risk gaps in their employee benefits plans.
The DBL Center remains committed to providing you and your clients with a white-glove experience as your back-office support staff. When you purchase insurance through us, your clients can file and track claims online, choose the form of payment (check or debit card) for temporary disability income, and choose the pay schedule to more closely mirror the pay schedule for on-the-job employees.
Partner with The DBL Center to help your clients enrich benefits, save money, and provide a more comprehensive benefits package.