| Employers with one or more employees are
subject to the provisions of the New York State Disability
Benefits Law. The law provides for the payment of cash benefits
to employees who become disabled because of injuries or
sicknesses which have no connection to their employment, and for
disabilities arising from pregnancies. In workers' compensation
cases, the cost of medical treatment is borne by the insurance
carrier. In disability benefits cases, the law does not provide
for payments for medical care. |
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Who is
Required to Provide Coverage?
Any Employer in the State of New York of One
or More Employees on each of 30 days in a Calendar Year becomes
a "Covered Employer", 4 Weeks after the 30th day of employment.
This includes Employers of One or More Domestic Employees
working in a Private Home for at least 40 Hours per Week.
Who Pays
the Premiums for DBL?
DBL premiums may be paid entirely by the
employer. If the Employee contributes to the cost, the Employee
may not contribute more than one half of one percent of the
first $120 of weekly wages, to a maximum of $.60 per week.
Who is
Eligible for Benefits?
- Most Employees in the State of New York are
eligible if working for a covered Employer
- Full-time Employees, new to working are
eligible after working for 4 consecutive weeks.
- Part-Time Employees, new to working are
eligible on the 25th day of regular employment
for one Employer.
- Employees receiving Unemployment Benefits
are eligible Immediately upon beginning work.
- New Employees who have previously
established eligibility with another Employer are eligible
Immediately upon beginning work, as long as the gap in
employment is not more than four weeks.
- Personal or Domestic Employees working for
the same Employer in a private home at least 40 hours a week.
- A Spouse working for a Sole Proprietor or
Partnership unless an exclusion is elected.
- College Students are eligible for DBL
Benefits if they meet any of the above requirements.
- A Corporate Officer is an Employee and will
be covered, unless he receives no wages or renumeration for
services.
Who is Not
Eligible for Benefits?
- Minor Children of an Employer.
- Government, Railroad, or Maritime
Employees.
- Ministers, Priests, Rabbis, Members of a
Religious Order, Sextons, or Christian Science readers.
- Persons engaged in a professional or
teaching capacity for a non-profit religious, charitable, or
educational institution; persons receiving rehabilitation in a
sheltered workshop, under a certificate issued by the
Department of Labor.
- Persons receiving aid from religious,
charitable, or educational institutions, who perform services
in exchange for such aid.
- Golf caddies.
- Daytime elementary or high school students
who work part-time during the school year or during vacation
periods.
- Independent contractors.
- Employees during the first 45 days of
"extra employment". These are persons not normally in the
labor market who are hired to do work for a limited special
period of time.
- Corporate Directors, acting only as such,
and not as employees.
- Partners and Proprietors are not required
to be covered. They must however cover any eligible
employees.
- Executive Officers of an incorporated
non-profit, religious, charitable, or educational
institution. (President, Vice-President, Secretary or
Treasurer)
An Employer may elect to provide voluntary
benefits to an excluded class of employees by filing an
application for voluntary coverage with the Worker's
Compensation Board.
Call Fiscal Fitness, or
CLICK HERE to fill out
a short request form, for quality
disability benefits insurance coverage at exceptionally
competitive
rates for employers in New York State whose needs can be met by
statutory coverage.
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