Umbrellas Representing the Coverage You Get from Disability Insurance

Disability Insurance

As an employer in New York State, your company is required to provide disability care insurance to employees for off-the-job illnesses and injuries, as well as pregnancy. You can put your employees' minds at ease with New York disability insurance that will offer short-term cash coverage.

Although these disability insurance benefits include cash payments, they are not intended to cover the costs of medical care. 

 

If your company hires one or more employees for 30 consecutive days in a calendar year, you are required to provide disability insurance for those employees once they start their 31st consecutive day of employment with your company, unless they are exempt.

Exemptions include government workers, railroad workers, members of religious orders, sole proprietors, and minor children of the employees. Our staff at Worksite Benefits can provide more details and take your questions regarding exemptions in these cases. 

If your employee is injured at your workplace, they may not be eligible to receive New York State disability benefits at the same time as worker's compensation. This could be considered "double-dipping." Thus, it is extremely important that an employee should acquire supplemental disability insurance to ensure that their families and their expenses are protected by funds in addition to those allotted by New York State.

Disability insurance needs to be offered to your employees. Failure to do so can result in steep and costly penalties. 

Worksite Benefits will provide you with the perfect plan for your company and your employees, offering disability insurance that will provide reassurance at a most difficult time.