Policyholder Responsibilities

Statutory disability benefits insurance satisfies the employer’s requirement to provide partial wage replacement benefits to their employees for off-the-job injuries or illnesses, and disabilities arising from pregnancies. Statutory disability benefits are equal to one-half the average weekly wage of the employee, up to a maximum weekly benefit of $170 for 26 weeks (if necessary) within a 52-week period. Medical care is the responsibility of the claimant.

NYSIF also offers Enriched Disability Benefits that increase employee claim benefits by up to five times statutory coverage at the same, qualified standard rate as NYSIF statutory disability benefits.

Certificate of Insurance

A certificate of disability benefits insurance coverage must be filed with any entity requesting to be a certificate holder, including a government agency issuing a permit, license or contract. The certificate must be completed by either the NYS statutory disability benefits insurance carrier, or a licensed NYS insurance agent of that carrier. NYSIF disability benefits policyholders can print certificates from their NYSIF online customer accounts in just minutes. 

Employees Can Share Costs

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. Qualified employers may be able to provide statutory disability benefits coverage, or twice the statutory benefit at little or no cost to them.

You can change disability benefits coverage annually prior to renewal by completing the Selection of Disability Benefits Insurance Coverage Change Form DB-SOC.

Report Fraud

Disability benefits fraud can occur on the part of a claimant, medical provider or policyholder. Help NYSIF combat fraud by anonymously reporting it to NYSIF. You can also report disability benefits fraud via our Fraud Hotline at 1-877-WCNYSIF (1-877-926-9743).

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