Claims FAQs

Disability Benefits Coverage
Who is covered?
Who is not covered?
When should a claim be filed?
If I become disabled while collecting unemployment, can I collect disability benefits?
Filing claims
How do I file a NYSIF disability benefits claim?
Where do I get a DB-450 form?
When do I file my claim?
Are copies acceptable?
Where do I send the completed form?
Claims payments
What is the benefit rate?
When can I start collecting benefits?
What do I need to provide for continuing benefits?
How long can I collect benefits?
How are pregnancy-related disability claims processed?
Are disability benefits paid for family-related illness or injury?
How often are disability checks processed?

Disability Benefits coverage

Who is covered?
  • Employees or recent employees of a “covered” employer who have worked at least four consecutive weeks;
  • An employer of one or more persons on each of 30 days in any calendar year becomes a “covered” employer four weeks after the 30th day of such employment;
  • Employees of an employer who elects to provide benefits by filing an Application for Voluntary Coverage (DB-135) with the NYS Workers’ Compensation Board;
  • Employees who change jobs from one “covered” employer to another “covered” employer are protected from the first day on the new job;
  • Domestic or personal employees who work 40 or more hours per week for one employer.
Who is not covered?
  • Sole proprietors, partners, and members of limited liability companies (however, their employees must be covered);
  • A minor child of an employer;
  • Government, railroad, maritime or farm workers;
  • Ministers, priests, rabbis, members of religious orders, sextons, Christian Science readers;
  • Corporate officers and persons engaged in a professional or teaching capacity in or for a religious, charitable or educational institution of a “non-profit” character, and persons receiving rehabilitation services in a sheltered workshop operated by such institutions under a certificate issued by the U.S. Department of Labor;
  • Persons receiving aid from a religious or charitable institution, who perform work in return for such aid;
  • One or two corporate officers who either singly or jointly own all the stock and hold all of the offices of a corporation that employs no other employees;
  • Golf caddies;
  • Daytime students in elementary or secondary school who work part-time during the school year or their regular vacation period;
  • Employees who change jobs in an exempt employment or with a “non-covered” employer, and work in such employment for more than four weeks, lose protection until they work four consecutive weeks for a “covered” employer.
When should a claim be filed?
A claim must be filed within 30 days of your disability.
If I become disabled while collecting unemployment, can I collect disability benefits?
If you have been unemployed for less than four weeks and become disabled, you should file a DB-450. If you have been off work more than four weeks and become disabled while collecting unemployment benefits, you should file a DB-300 with the NYS Workers’ Compensation Board – Disability Benefits, 100 Broadway – Menands, Albany, NY 12241. You may obtain a DB-300 from your local Workers’ Compensation Board or call 1-800-353-3092.

Back to Top

Filing claims

How do I file a NYSIF disability benefits claim?
Obtain a DB-450 from your employer. Your employer should have the correct forms or they may send an e-mail, including their NYSIF policy number, and forms will be forwarded to their attention. An employer may also obtain a DB-450 form from the website. If NYSIF is not your employer’s insurance carrier, the employer should contact their insurance carrier directly to obtain the proper forms.
Do not file a DB-450 before you become disabled.
Part A is completed by the claimant. Please be sure to answer all questions completely and sign the front of the form. Write clearly since this is where we obtain the address information to mail checks. Incomplete or unsigned forms may be returned.
Part B is completed by the health care provider. Please be sure your medical provider indicates an estimated date that you may return to work. Do not indicate “unknown” or “undetermined.”
Part C is completed by the employer and provides information the insurance company uses to process the claim. This portion of the DB-450 is unique to each insurance carrier and provides the necessary information to process the claim.
Where do I get a DB-450 form?
DB-450’s are obtained from your employer. Your employer should have the correct forms or they may send an e-mail, including their NYSIF policy number, and forms will be forwarded to their attention. Employers may also obtain DB-450 forms from our website. If NYSIF is not your employer’s insurance carrier, the employer should contact their insurance carrier directly to obtain the proper forms.
When do I file my claim?
A claim should be filed once you become disabled. A claim must be filed within 30 days of your disability.
Are copies acceptable?
Yes, fax or copies of the DB-450 are accepted by NYSIF. Please be sure to keep a copy for your records. If forms do not reach us, you may resubmit a copy.
Where do I send the completed form?
If NYSIF is your employer’s disability benefits insurance carrier, send the completed DB-450 to: 
Document Control Center
NYSIF-Disability Claims
1 Watervliet Avenue Ext.
Albany, NY 12206
If NYSIF is not your employer’s disability benefits carrier, your completed DB-450 should be mailed directly to your employer’s insurance carrier.
If you are unable to determine the carrier, the NYS Workers’ Compensation Board is the enforcement agency for disability benefits and will help you establish who the carrier is. Mail the completed DB-450 to:
NYS Workers’ Compensation Board Disability Benefits Bureau
100 Broadway – Menands
Albany, NY 12241-0005

Back to Top

Claims Payments

What is the benefit rate?
The benefit rate is 50 percent of the employee’s last eight weeks average gross wages with a maximum benefit of $170 per week.
When can I start collecting benefits?
You must be off work eight consecutive days to be eligible for benefits. The first week (seven days) is a waiting week that is not paid.
What do I need to provide for continuing benefits?
Medical documentation of your disability must be provided for all periods you are requesting payment.
How long can I collect benefits?
The maximum benefit is 26 weeks in a 52-week period.
How are pregnancy related disability claims processed?
Pregnancy related disabilities are paid the same as any other disability claim. Generally, a claimant is covered six weeks after a normal delivery and eight weeks after a Caesarian section (the first week is a non-paid waiting week). The time off must be covered by medical documentation from the medical provider and the disability may be extended before or after if there are complications.
Are disability benefits paid for family-related illness or injury?
Disability benefits are only paid when you are disabled – benefits do not include time off for family illness, injury or adoption.
How often are disability checks processed?
Benefit checks are processed every two weeks.

Back to Top