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New York Statutory Disability Insurance

New York statutory disability insurance is mandated by New York state. It is a no-fault insurance program to protect workers injured off the job. Any employee who is working or has worked for a covered employer for at least four consecutive weeks is eligible. Disability benefits are paid either jointly by the employer and the employee, or entirely by the employer.

Where the employer is providing statutory disability benefits, the employee may be required to contribute one-half (1/2) of 1 percent of his/her weekly wages, but not more than 60 cents per week.If disability begins while an individual is employed or during the first four weeks of unemployment, the claim will be paid by the employer or the employer’s insurance company. If disability begins after the first four weeks of unemployment, the claim will be paid by a special fund administered by the chairperson of the Workers’ Compensation Board.An employee is entitled to receive the following statutory benefits:

• Fifty percent of the average weekly wage (based on eight weeks of employment, not counting the week in which disability began) to a maximum of $170 per week. Benefits are paid for a maximum of 26 weeks during a 52-week period.

• For employed workers, the first seven days of disability are a waiting period for which no benefits are paid. Benefits begin on the eighth consecutive disability day.

Costs of medical care are not included under statutory provisions. A claim must be filed within 30 days after disability.

You have to provide coverage, and it seems to just be a cost of doing business. The fact is that New York DBL is an extremely competitive coverage and NYAHSA Services has over 15 active markets to approach on your behalf.

We can offer you a quick turnaround and average savings of up to 26 percent.