You are here: Home Insurance Short Term ... New York
Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
Answers to your practical questions such as how to travel safely despite your health condition, how to avoid getting infected by a pet, and what to say or not say to an insurance company.

Short Term Disability Income: State Programs

New York

Next » « Previous


Name:  Disability Benefits Legislation

Who Must Carry:   Most private employers are required by state law to provide for payment of Disability Benefits. Federal, State and City government employees are not covered by this law. Some teachers in private institutions are covered by agreement with their schools. Board of Education employees are not covered.

Covers:   Employees of an employer of one or more persons on each of 30 days in any calendar year.

Eligibility:   Employees or recent employees of a "covered" employer, who have worked at least four consecutive weeks. Domestic and personal employees who work 40 hours or more per week for one employer are also covered under the law. It doesn't matter whether you have a pre-existing condition. Medical questions aren't asked.

Benefits: The New York State Disability program in 2010 pays 50% of your average weekly wages from a minimum of $20 a week to a maximum of $170.00 a week.

Taxes:   New York disability benefits are taxable to the extent that the employer pays the insurance premiums.  For example, if the employer pays 50% of the premiums, 50% of the benefits will be subject to income tax.

Premium:   An employee's contribution is computed at the rate of 0.005% of his/her wages, but no more than $0.60 a week.

Waiting period:   7 days. Benefits begin on the eighth day.

Benefit Period:   26 weeks per disability or during any consecutive 52 weeks.

Claim Forms:  To claim benefits, the disabled employee is required to file "Notice and Proof of Claim for Disability Benefits" (form DB-450), with the employer within 30 days after disability begins. Claims must be filed with the employer.

Source of Coverage:   Coverage may be purchased by employers from an insurance company or they may establish a "Private" self-insured plan as long as it provides benefits equal to or better than the state mandated benefits.

For More Information: offsite link, the New York State site, does not give much information. For up -to-date information, contact: Worker's Compensation Board Disability Benefits Board, 100 Broadway, Albany, New York 12241, Tel.: 800.353.3092 or 718.802.6964, or 6965, or 6966.

Please share how this information is useful to you. 0 Comments


Post a Comment Have something to add to this topic? Contact Us.

Characters remaining:

  • Allowed markup: <a> <i> <b> <em> <u> <s> <strong> <code> <pre> <p>
    All other tags will be stripped.