New York Disability Benefits Law (DBL)

The New York DBL Law was enacted in 1949.  This coverage provides partial income replacement to an eligible employee who becomes disabled due to non-occupational (“off the job”) injuries or illnesses.

Employers of one or more persons in the State of New York must provide this coverage, with few exceptions.

*Weekly Benefit Maximum 50% of Average Weekly Wage, Maximum of $170 per Week
Maximum Benefit Period 26 Weeks during any 52 Week Period
Benefit Waiting Period Benefits begin on the 8th day of disability for both Accident and Sickness

*Enriched benefits and out of state coverage available

The DBL marketplace is broken down into two segments:

Under 50 Life Business:

  • All carriers have filed rates for companies with 49 lives or less working in NY
  • Self-Reporting, Annual Prepaid or Quarterly in arrears billing
  • We can place groups as small as 1 employee.

DBL Questionnaire

Over 50 Life Business

Groups with 50 or more Employees working in New York are experience rated.  Allow the experts at Reuben Warner Associates to market these programs on your behalf.  Remember, your firm will receive the full brokerage commission payable and maintain broker of record status.

DBL Questionnaire

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