NYS Disability Benefits Insurance
Cost-Effective Disability Benefits from Your Trusted Commercial Insurance Broker
At Aebly & Associates Insurance Services, we understand that managing your New York State Disability Benefits Law (DBL) compliance doesn't have to break your budget. As your experienced commercial insurance broker and insurance agency, we represent many of New York's highly rated private DBL carriers, helping businesses save money while maintaining superior coverage.
Why Pay More Than You Have To for DBL?
Immediate Savings with Rated Carriers
We can help you start saving money right away with highly rated, reputable carriers. As your independent insurance agent, we're confident these companies will deliver prompt and superior service. Price should not always be the determinant in selecting a carrier – financial rating, rate stability, claims performance, and general work ability with our clients matter significantly.
Comprehensive Carrier Evaluation
Our expertise as your employee benefits broker ensures we evaluate carriers based on rate action history, underwriting philosophy, claims turnaround, reporting capabilities, and compatibility with your employees and our staff.
Competitive Rates for All Business Sizes
Small Business Insurance Solutions (1-49 Lives)
Monthly Equivalent Rates (paid annually in advance):
- Male: $1.75 Female: $3.80
- Minimum Annual Premium: $75
Getting Started is Simple:
- Call 716-675-2100 ext. 190 for phone application
- Upon approval, we notify your existing carrier of replacement
- Receive applicable refunds (private carriers refund unearned premium pro-rata)
- Receive binder and policy number within 24 hours
Larger Business Solutions (50+ Lives)
For comprehensive coverage analysis, provide us with current and prior 3-year information including carrier details, annual premiums, covered payroll, claims data, and employee demographics. We search multiple carriers for optimal programs and offer alternative funding options for 1,000+ employees.
Understanding NYS Disability Benefits Law
Employer Requirements
Employers with one or more employees must comply with New York State Disability Benefits Law. This law provides cash benefits to employees disabled by off-the-job injuries or illnesses, including pregnancy-related disabilities.
Key Coverage Features
Benefit Structure:
- Cash Benefits: 50% of average weekly wage (maximum $170/week)
- Maximum Duration: 26 weeks during 52 consecutive weeks
- Waiting Period: 7 days for employed workers
- Coverage Basis: Last 8 weeks of employment
Employee Contributions:
- Maximum 0.5% of wages
- Weekly cap of 60 cents
- Proportional adjustments for multiple jobs
Who Is Covered?
Eligible Employees
- Employees working 4+ consecutive weeks for covered employers
- Employees transitioning between covered employers
- Domestic workers (40+ hours/week)
- Employees under voluntary coverage elections
Coverage Exclusions
Minor children of employers
Government, railroad, maritime, farm workers
Religious workers and corporate officers in specific situations
Students working part-time during school
Integration with Business Insurance Strategy
Comprehensive Risk Management
As your insurance agency, we understand how NYS Disability benefits integrate with your broader business insurance portfolio, including workers' compensation insurance and group health insurance programs.
Small Business Insurance Expertise
Our small business insurance specialists help companies navigate DBL requirements while coordinating with professional liability insurance and other commercial coverage needs.
Claims Process and Benefits
Filing Requirements
- File within 30 days of disability onset
- Use form DB-450 (employed) or DB-300 (unemployed 4+ weeks)
- Obtain healthcare provider certification
- Submit complete documentation promptly
Medical Care Responsibility
Unlike workers' compensation insurance, DBL provides cash benefits only. Medical care remains the claimant's responsibility.
Why Choose Aebly & Associates?
Industry Experience and Longevity
Benefit from our extensive experience in DBL and related products. As your employee benefits broker, we provide ongoing support and competitive pricing updates.
Comprehensive Service Integration
Our expertise extends beyond DBL to include complete business insurance solutions, ensuring coordinated coverage that meets all your commercial insurance needs.
Contact us at (716) 675-2100 to start saving on your NYS Disability benefits today.