disability insurance






Every employer should know the importance of Enhanced Disability
New York is one of a handful of states that require employers to provide
disability benefits coverage to employees for an off-the-job injury, pregnancy, or
illness. The Disability and Paid Family Leave Benefits Law (Article 9 of the WCL)
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 (WCL §204).
However, this is only 50% of your employee’s wages for the last eight weeks
worked, and it cannot exceed the maximum benefit of $170 per week, which is
typically not enough to cover your employee’s monthly expenses.
Available Enhanced Disability Benefits:
1. Employers can enhance disability coverage beyond the state maximum of
$170 per week, that’s right, you can increase the weekly benefit for your
employee up to FIVE times the NYS DBL limit; that’s a 26 week benefit of
up to $850 per week.
2. Adding an Accidental Death & Dismemberment Rider of up to $100,000;
would provide 24/7 coverage for accidents or illnesses on or off the job
3. In Hospital Rider, up to $170 per week
4. Paid Family Leave (PFL) Rider https://info.shelterpoint.com/blog/the-abcsof-
As an employer (small business, corporate etc.) you should review your current
Disability Benefits policy and look into the many Enhanced Disability Benefits
that are available. Having an enhanced policy could help you stay competitive
and maintain current employees as well as attract new talent. We all know that
in this present time it is hard to attract and keep employees.

More Coverage… More Choice
Call Westrock Insurance for a Policy Review