Disability benefits insurance pays temporary, weekly cash benefits to employees who are disabled due to off-the-job injury or illness, and for disabilities arising from pregnancies. Medical care is the responsibility of the claimant. Disability benefits insurance is mandatory for most employers in New York State.
Find out who is covered and who is not covered by the New York State Disability Benefits Law.
Disability benefits claims are paid only when you are disabled. Benefits do not extend to time off for family illness, or adoption. Claimants must be out of work eight consecutive days to be eligible for benefits and provide medical documentation for the entire period of disability.
The statutory benefit is 50% of the employee’s average gross wages for the last eight weeks, up to a maximum of $170 per week. (Learn about NYSIF Enriched Disability Benefits.)
Benefit checks are processed every two weeks. The first seven days is an unpaid waiting period. The maximum benefit covers 26 weeks in a 52-week period.
Pregnancy-related disabilities are paid the same as any other disability. Generally, a claimant is covered six weeks after a normal delivery and eight weeks after a Caesarian section. Disability may be extended before or after pregnancy if there are complications.
Who Pays for Disability Benefits Insurance?
Premiums may be paid entirely by the employer, or jointly by the employer and the employee. New York State Law allows (but does not require) employers to deduct one-half of one percent of an employee’s wage, up to a maximum of $.60 per week, to offset the cost of disability benefits insurance.