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Statutory Benefits

NY Disability Benefits Law & Paid Family Leave

New York Disability
Benefits Law

Disability Benefits Law, or DBL for short, is NY state-mandated short-term disability insurance. It provides benefits to covered employees who can’t work due to a non-occupational injury/illness or pregnancy/birth of a baby. Additionally, employers who must provide DBL benefits also have to make Paid Family Leave (PFL) benefits available.

Learn more about New York DBL here.


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Young couple holding a new born baby

New York Paid Family Leave

Eligible employees receive job protection and partially paid time off to bond with a new child, care for a seriously ill family member, or attend to family matters due to a military exigency.

Learn more about New York PFL here.

DBL vs PFL

New York’s Paid Family Leave (PFL) was added to the long-established Disability Benefits Law in January 2018. PFL is typically added in form of a rider to the DBL policy, but, in some cases may be provided through self-insurance or stand-alone coverage.*

While these two coverages are closely intertwined and both provide a form of paid time off, they are used for distinctly different purposes (called qualifying events) and come with different benefits.

Some of the biggest differences between DBL and PFL include:

  • job protection (PFL has it, DBL doesn’t)
  • the pay rate
  • leave duration

Paid Family Leave covers time off from work spent for a family member, i.e. PFL allows you to take leave for bonding with a newly born, adopted, or fostered child, caring for a seriously ill family member, or to handle exigencies related to a family member’s active military service.

On the other hand, DBL is specifically for an employee’s own “disability” (serious illness or injury). That means, DBL provides temporary benefits if you can’t work due to an off-the-job injury/illness, or for pregnancy-related care, such as recovery after birth or complications during pregnancy.

This handy infographic illustrates the core similarities and differences between DBL and PFL, ranging from benefit amount and duration, to eligibility (for part-time vs. full-time employees) and qualification period; and from claims process and turn-around time to rates/premium and maximum employee contribution. You can even print and hang this useful guide in your office for easy reference!


infographic of PFL vs DBL

Download full DBL vs PFL infographic  


The ABCs of DBL and PFL

As your DBL and PFL Experts, we have created in-depth guides for everything you need to know about both Disability Benefits Law (DBL) and Paid Family Leave (PFL) in New York. Get your copies here:

 

ABCs of DBL brochure cover

ABCs of Disability Benefits Law

 

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ABCs of PFL brochure cover

ABCs of Paid Family Leave

 

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Learn More About Paid Leave Programs in the U.S.

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*ShelterPoint only offers PFL in form of a rider to DBL.

The ShelterPoint family of companies operates under the “ShelterPoint” name strictly as a marketing name, and no legal significance is expressed or implied. The ShelterPoint family of companies consists of ShelterPoint Life Insurance Company, a NY-domiciled carrier, and its wholly-owned subsidiary ShelterPoint Insurance Company, a FL-domiciled carrier, depending on the state. ShelterPoint is a registered service mark.

Underwritten by:
ShelterPoint Life Insurance Company (principal office in Garden City, NY) in: NY
Policy Form# SPL DB0717 E (Enriched Benefit Rider), SPL DB0717 F, SPL DBL1114 H (In-hospital Rider), SPL DBL1114 D (AD&D Rider), SPL DB0919 F

 

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