NY Mandated Coverage

Paid Family Leave & Disability Insurance

New York requires every employer to provide PFL and DBL coverage. We make sure you're fully compliant, competitively priced, and protected when your employees need it most.

See Coverage Options ↓

At a glance — NY requirements

Weeks of PFL leave available

67%

Of statewide avg weekly wage

Weeks DBL benefit duration

Net employer cost (PFL)

Compliance required. NY employers with 1+ employees must carry both PFL and DBL or face significant fines.

Coverage Options

Three ways we can protect your workforce

We shop across multiple top-rated NY carriers and build the right combination for your business size and budget.

NY Paid Family Leave (PFL)

State-mandated leave insurance that provides employees with paid time off for bonding with a new child, caring for a seriously ill family member, or qualifying military exigencies.

Up to 12 weeks of paid leave per year
67% of NY's statewide average weekly wage
Funded entirely through employee payroll deduction
No cost to the employer
Covers bonding, family care, and military events

NY Statutory Disability (DBL)

Short-term disability insurance that replaces a portion of an employee's wages when they're unable to work due to a non-work-related illness, injury, or pregnancy.

Up to 26 weeks of benefits
50% of the employee's average weekly wage
Maximum of $170/week (statutory minimum)
Can be enhanced with supplemental coverage
Required for all NY employers with 1+ employees

DBL + PFL Combo Policy

The most popular option — both coverages bundled under a single carrier with one renewal date and one bill. Simplifies administration and often reduces total cost.

Single policy, single carrier, single renewal
Streamlined claims process for employees
Optional enhanced DBL benefit riders available
Best pricing for employers with 5+ employees
Full compliance with NY law guaranteed

Who Needs This

NY law is clear — and the penalties are real.

If you have employees in New York, this coverage is not optional. Here's who must comply and what's at stake.

Employers with 1+ employees

Any business with at least one full-time or part-time employee working in NY must carry DBL coverage.

Employees working 20+ hrs/week

PFL is required for all employees working 20 or more hours per week from day one of employment.

Employees under 20 hrs/week

After 175 days of employment, even part-time workers under 20 hours must be covered for PFL.

Home care & healthcare agencies

With frequent staff changes and mixed schedules, healthcare employers face the highest compliance risk — and benefit most from an expert broker.

Non-compliance costs more than the coverage.

Employers who fail to provide mandatory PFL and DBL coverage in New York face significant financial and legal consequences — including direct liability for all claims.

Penalties up to $500 per non-covered employee per year for DBL violations
Employer pays all disability benefits out-of-pocket if uninsured
Failure to post required PFL notices: $50 fine per employee per violation
Stop-work orders from the Workers' Compensation Board
Personal liability for business owners in some cases

Not sure if you're compliant?

We offer a free compliance review. Submit your current policy and we'll tell you where you stand.

Common Questions

Everything you need to know about PFL & DBL

DBL (Disability Benefits Law) covers an employee's own illness or injury that prevents them from working. PFL (Paid Family Leave) covers time off to bond with a new child, care for a seriously ill family member, or handle qualifying military events. They are separate coverages with different funding sources — DBL is split between employer and employee, while PFL is entirely employee-funded through payroll deduction.

No. PFL premiums are funded entirely through a small payroll deduction from employees. The employer's role is to collect that deduction and remit it to the insurance carrier. The statutory DBL premium is split — a portion can be deducted from employees, and the employer pays the remainder. We'll walk you through the exact deduction amounts for your workforce.

Absolutely. We can be named as your Broker of Record on any existing NY PFL or DBL policy — often with a simple one-page form. This gives you access to our claims support, compliance guidance, and renewal negotiation at no extra cost. We'll also review your current policy for gaps, overcharges, or outdated terms.

Most policies bind within 3–5 business days after you approve the coverage. For businesses currently out of compliance, we prioritize your placement and can often expedite binding. We handle all carrier paperwork and communication — you just need to approve the plan.

We work with most major carriers writing NY PFL and DBL business, including Guardian, Sun Life, The Hartford, New York Life, and others. As an independent broker, we're not captive to any single carrier — our goal is to find the best combination of price, service, and claims reputation for your specific situation.