The DBL Center can help your clients navigate the process of filing form DB 450.
For most insurance brokers in the New York area, disability insurance represents a small piece of your book of business. You probably make more money from health, life insurance, and other benefits.
As a required benefit, DBL gives you a foot in the door to discuss other benefits that can help your clients offer better overall compensation packages to their employees while increasing your commissions.
How to Apply for State Short Term Disability
There are a few things you should need to know about how to apply for state short-term disability. As your white-label back-office staff, The DBL Center provides the service you deserve to help your clients file claims.
To apply for DBL, the claimant needs to file form DB 450 with the state or with their insurance carrier. If the employer writes benefits through the New York State Insurance Fund, claimants should complete form NYSIF DB 450 and submit the claim to the state insurance department.
If your client writes disability benefits or enriched DBL through a private carrier, you can access the appropriate form DB 450 through your Broker Dashboard, and provide the correct form to your client based on their carrier. The DBL Center can help you file the claim.
Over our decades in the industry, our dedicated back-office staff has built relationships with major carriers to ensure our clients receive white-glove service. If there is ever a problem with a claim, we will work with your carrier to ensure the process goes smoothly.
Nothing is more important than the satisfaction of our brokers and their clients. The DBL Center has the tools in place, including our Broker Dashboard: Net Revenue Tracker, to access the form you need to help process claims and to track renewals, cancellations, and commissions. Our Broker Dashboard is available as a mobile app or cloud-based platform brokers can access from any internet-enabled device.
Questions Your Clients May Have
If it’s their first time filing a claim, employees may have questions about the process and about their benefit eligibility. The DBL Center team can help you find the answers on a case-by-case basis, but here are some general guidelines.
What benefits do I qualify for?
Anyone in New York who works for a covered employer and suffers a non-work-related illness or injury may qualify for DBL insurance. Full-time employees qualify after they have completed four consecutive weeks of employment (for that employer or another covered employer in New York). Part-time employees may qualify after the 25th day of regular employment, unless their eligibility was already established with another employer.
Disability benefits cover non-work-related illnesses, injuries, pregnancies, and childbirth. Workers who don’t qualify for DBL may qualify for PFL in NY. PFL allows for up to 12 weeks off at partial pay following the birth, adoption, or foster care of a child within the first year of an event, to care for a loved one who is seriously ill or injured, or to take care of things at home while a military family member is deployed for active duty.
How much does NY disability pay?
NY short-term disability, under the Disability Benefits Law, pays 50% of an employee’s salary, up to a maximum of $170 per week for up to 26 weeks.
When will I receive my payments?
There is a 7-day waiting period for all short-term disability claims in New York. You will receive your first payment on the eighth day after filing your claim using the short-term disability form.
Boost Benefits with Enriched DBL
For most people in New York, a benefit of $170 per week barely buys groceries for their family. Increasingly, business owners are opting to enrich DBL benefits as part of a comprehensive package. When you enrich disability benefits in New York through one of our top-rated carriers, you will enjoy fast, flexible payouts, no waiting period, and financial benefits that can help employees recover without the stress of mounting bills.
Let The DBL Center help you enrich DBL for your clients and create a robust benefits package for employees at every level, from hourly workers to senior executives.
FAQ:
What is the NYS disability application DB-450?
If someone becomes sick or disabled in New York State, and the injury or illness is not work-related, they may qualify for short-term disability benefits. The claimant needs to file the NYS disability form, DB-450. Use form DB-450 if you are still employed in New York State or it’s been less than four weeks since you were last employed.
Who qualifies for short-term disability in NY?
You may qualify for short-term disability in New York if you suffered a non-work-related injury or illness, and you work for an employer who provides short-term disability benefits. If you are injured on-the-job or suffer a work-related illness, you can’t file for DBL. You should be covered under workers’ compensation. You cannot file a DBL claim to care for someone else; that would be covered under Paid Family Leave (PFL) in New York.
What paperwork is needed for NYS disability?
To file for NYS disability, you will need to fill out form DB-450. Typically, this form can be provided by the employer, an insurance broker, or an insurance carrier. Brokers who work with The DBL Center can access this form through their Broker Dashboard.
