Disability and Paid Family Leave Insurance

Disability and Paid Family Leave

Why do I Need Disability and Paid Family Leave Insurance?

Disability Benefits Law (DBL) and Paid Family Leave (PFL) provide partial wage replacement to employees for off-the-job illness, injury, or family caregiving. Mandated for employers in a growing number of states, we help businesses set up compliant DBL/PFL coverage through state-approved carriers at a low cost relative to other lines of insurance.

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.

talk to an insurance specialist

Get expert guidance from licensed insurance professionals who understand your unique needs. We’re here to help you find the right coverage—fast. Call us today to get started!

Toll Free Number

(212) 795-7090

Understand Your Coverage

Already a client? Unsure what your policy includes? Get a clear breakdown of your current coverage, exclusions, and options for updates or changes.

Get a Competitive Quote

We can help you find the right policy and potentially lower your premiums. Let us shop for you and show you what you're missing!

make a claim

When the unexpected happens, our claims support team is here to guide you every step of the way. We work with you to handle your claim efficiently.

FAQs

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

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. US 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 US 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 US employers bundle disability and paid family leave insurance?

Yes. US 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 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?

US have safeguards to protect employees who exercise their rights under disability and family leave insurance laws. 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.

Latest Insights on Disability and Paid Family Leave Insurance

Avoid Penalties: Disability Insurance Compliance Tips for US

Understanding Disability Insurance in New York & New Jersey Disability insurance is a core piece of an employer’s benefits and compliance program in New York and New Jersey. When an employee cannot work because of a non-work-related illness or injury, the state short-term disability systems (New York’s Disability Benefits Law — DBL — and New […]

Menu