3 pairs of shoes on the floor, each representing either a mother, father, or their child covered by paid family leave insurance.

Discapacidad y Licencia Familiar Remunerada

¿Por qué necesito un seguro por discapacidad y licencia familiar pagada?

Are you a US 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.

¿Qué riesgos cubren las pólizas de discapacidad y licencia familiar remunerada?

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 and help support your team during life’s unexpected moments.

  • El seguro de discapacidad cubre lesiones y enfermedades temporales fuera del trabajo
  • Fomenta un ambiente laboral solidario
  • Requerido para la mayoría de los empleadores en NY
  • Paid family leave covers childbirth, caregiving, and military leave
  • Le ayuda a cumplir con las leyes laborales
  • Los beneficios se pagan semanalmente
Parents posing with their baby. If they work and have disability and paid family leave insurance, the parents can feel safe knowing they're protected.

Recursos en línea para seguros por discapacidad y licencia familiar remunerada

Hay información útil en línea de los sitios web gubernamentales específicos de su estado sobre discapacidad y seguro de licencia familiar remunerada. Para obtener información sobre la elegibilidad, las coberturas y las contribuciones para la licencia familiar remunerada, visite el sitio web oficial Licencia Familiar Remunerada de Nueva York sitio web. Para comprender más sobre la discapacidad a corto plazo o workers’ compensation, mira la Licencia Familiar Remunerada y Otros Beneficios página y desplácese hacia abajo hasta sus respectivas secciones. Para residentes y empleadores de Nueva Jersey, visite la página del Beneficios de My Leave del Departamento de Trabajo de Nueva Jersey. Allí podrá obtener más información sobre los detalles del programa, las tasas de contribución, etc.

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Preguntas Frecuentes

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.) ¿Qué protecciones existen contra las represalias para los empleados que toman licencia?

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.

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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 […]