Disability and Paid Family Leave

Why do I Need Disability and Paid Family Leave Insurance?

Are you a New York business owner with one or more employees? If yes, disability and paid family leave Insurance isn’t just helpful—it’s required by law. Failing to provide this can result in fines, penalties, and potential legal action. Staying compliant protects your business while supporting your team’s well-being.

What risks do disability and paid family leave policies cover?

Disability and paid family leave insurance provides wage replacement when an employee is unable to work due to a non-work-related illness, injury, or family responsibility, such as caring for a newborn or sick family member. These coverages are required for most employers in New York and help support your team during life’s unexpected moments.

Online resources for disability and paid family leave insurance

There is helpful info online from government sites specific to your state regarding disability and paid family leave insurance. For insights on paid family leave eligibility, coverages, and contributions, visit the official New York Paid Family Leave website. To understand more about short-term disability or workers’ compensation, check out the Paid Family Leave and Other Benefits page and scroll down to their respective sections. For New Jersey residents and employers, visit the New Jersey Department of Labor’s My Leave Benefits page. There, you can learn more about program details, contribution rates, etc.

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FAQs

1.) How does Temporary Disability Insurance (TDI) work in New Jersey?

New Jersey’s temporary disability insurance program delivers a fundamental safety net for employees whose non-work-related injury, illness, or pregnancy temporarily prevents them from earning their regular income. New Jersey administers TDI through a state-run fund that all covered employers and employees support via payroll contributions. This centralized administration simplifies claims filing, premium remittance, and benefit payment. Employers must post official TDI notices in the workplace, provide claim forms on request, and remit contributions to the New Jersey Department of Labor to keep the program operating smoothly. NJ businesses have the option to purchase TDI through a private insure, but most choose to obtain it through the state program.

2.) Can New York employers bundle disability and paid family leave insurance?

Yes. New York employers have the option to purchase a combined policy that satisfies both disability and paid family leave coverages. Bundled plans streamline administrative tasks such as premium billing, payroll deduction processing, and annual reporting. Whether an employer chooses the New York State Insurance Fund or a private carrier, a bundled policy must meet or exceed the statutory minimum standards for both disability and paid family leave insurance programs. This makes it more convenient for employers to maintain compliance.

3.) What protections exist against retaliation for employees taking leave?

Both New York and New Jersey have safeguards to protect employees who exercise their rights under disability and family leave insurance laws. In New York, employers may not discriminate or retaliate against workers for filing a DBL or PFL claim. Adverse actions can be reported to the Workers’ Compensation Board. New Jersey law similarly prohibits retaliation, with penalties imposed by the Department of Labor for violations. These protections ensure employees can access the benefits they need without fear of losing their jobs or facing disciplinary measures.

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