- Disability Insurance
- Ancillary Group Benefits
- Paid Family Leave
- Bind DBL / PFL
Some states, like Connecticut, Colorado, and Massachusetts, include disability leave or medical leave for the employee as part of family leave. In these cases, a worker will receive partial wage replacement if they are ill or inured and unable to work due to an off-the-job illness or injury.
Other states, like New York and New Jersey, offer paid family leave or family leave insurance (FLI) separate from temporary disability coverage for workers. In New York, PFL can be written as a stand-alone benefit or as a rider to the state’s DBL (Disability Benefits Law) short-term disability coverage.