Disability benefits are temporary cash benefits paid to an eligible wage earner, when that person is disabled by an off-the-job injury or illness. The Disability Benefits Law provides weekly cash benefits to replace, in part, wages lost due to injuries or illnesses that do not arise out of or in the course of employment.

Insurance features

  • Mandated by the State of New York
  • Coverage is based on where an employee works, not where the employee lives
  • Provides 50% of weekly salary to a maximum benefit of $170/week
  • Elimination period: 7 days
  • Benefit Duration: 26 weeks in any 52 week period
  • Enriched DBL benefit options available
  • Separate proprietor rates available
  • Flat rates for groups with 1-49 employees
  • Groups of 50+ employees are experienced rated
  • Annual minimum premium requirements (vary by carrier)


1-49 Employees

Flat rates (vary by carrier); No quoting required

50+ Employees

Quoting requires 3 years claims experience (“Loss Run”), 3 year rate history, and current Male/Female count

Out of state coverage

An employer who has New York employees may opt to cover employees that work in other states as long as it is not a statutory state.

Enriched benefit options

  • Enhance to 60% benefit
  • Extend to 52 week duration
  • DBL multiples available up to 5x DBL ($850/week)

In-Hospital DBL Rider

  • Basic DBL benefits are paid from the first day of hospitalization
  • After 7 days of hospitalization, basic DBL benefits are doubled while an employee is hospital-confined


  • Accidental Death & Dismemberment coverage
  • Life Insurance


  • DB-120 – (Posting Notice, “Blue Board” or DBL Poster): must be posted in a visible place at your work site.
  • DB-120.1 – (Certificate of Insurance): is needed to apply for/retain business permits and licenses
  • DB-820 – (Certificate of Insurance): is filed by the carrier with the State to verify the status of a policy.

Calculating taxable benefit

If employees do not contribute to the NYSDBL premium, the benefit will be 100% taxable
If employees contribute to the NYSDBL premium, the employer will need to determine the benefit portion that is taxable (Maximum employee contribution allowed by law is $0.60 per week)

Step 1: Determine the monthly employee contribution (e.g. $2.60 per month)

Step 2: Determine the monthly NYSDBL premium (e.g. $6.95 per employee, per month)

Step 3: Divide the monthly employee contribution by the monthly NYSDBL premium (e.g. 2.60 divided by 6.95)

Step 4: Multiply by 100 to get the employee percentage (Answer: 37.41%)

Step 5: Subtract the employee percentage from 100% to get the employer paid portion (e.g. 100% – 37.41%)
The employer paid portion is the taxable benefit amount (Answer: 62.59%)


Q – Are business owners covered under NY DBL?

A – Owners/shareholders of Corporations (C-Corps, S-Corps, and Professional Corporations, for example) are considered employees of the corporation and are automatically covered under NY DBL at the same rates as other employees if there are:
•3 or more officers/shareholders
•one or two officers (each owning at least one share of stock) with employee(s)
A – Owners/shareholders of the following types of businesses are not considered employees and are therefore excluded from NY DBL coverage by default:
•Partnerships, LLCs, LLPs (with or without employees)
•Sole Proprietorships
•Corporations with only one or two officers (each owning at least one share of stock) and no employee(s).

Q – Are my employees who live outside New York and work in my New York-based office covered?

A – If they’re eligible, yes. Coverage is based on where an employee works, not where the employee lives.

Q – Our business is located outside New York but some of our employees perform work in New York. Do we need DBL?

A – If you are an out-of-state employer, you need a DBL policy for your New York employees if you employ one or more individuals each for at least 30 days in a calendar year in New York State.

Q – Are our 1099ers eligible for DBL coverage?

A – True independent contractors and subcontractors are not considered employees under the NYS Disability Benefits Law and are therefore not covered under DBL