Voluntary coverage for Paid Family Leave (PFL) follows suit with DBL (statutory short-term disability). As such, it applies to any entity currently considered a “Covered Employer” under DBL (mostly private sector organizations with at least 1 employee who works in NY for at least 30 days in a year):
Not sure what employers are exempt and what type of employees are excluded? Let’s break down where voluntary coverage applies. There are 2 situations where voluntary coverage comes into play:
Even though the Covered Employer must have DBL/PFL coverage in place, certain classes aren’t automatically included under the DBL/PFL policy because they are excluded under the law.
Statutory Benefit Programs Are What We Do.
This type of employer is not considered a Covered Employer and coverage is not required for any employees, but the employer may choose to obtain coverage for a specific class or classes of employees.
Sole Proprietors and members of an LLC/LLP (or any other self-employed people) can obtain voluntary DBL/PFL coverage for themselves effective January 1, 2018, or within 26 weeks of forming the above type of business or becoming a member of an LLC/LLP.
If you provide voluntary coverage you must maintain it for at least one year. If you want to discontinue it, you must provide a written notice to the Chair of the Worker’s Comp Board and to the affected employees within 90 days before coverage will end. You must include provisions made for the payment of obligations incurred on and prior to the effective termination date.
Here are some examples where voluntary coverage might come into play:
*Public libraries organized as an Association Library with a federal 501(c)3 status are required to have a DBL/PFL policy in place for their employees. Municipal, School District, and Special District Public Libraries are not required to have a DBL/PFL policy in place for their employees.
Our in-depth guide provides everything you need to know about Paid Family Leave in New York. Here’s what you’ll find inside this 34-page guide:
View quote requirements
ABCs of PFL
Brochure – ShelterPoint PFL highlights for employers
Brochure – ShelterPoint PFL education for employees
Forms - Claim
Forms - Application - Voluntary Coverage non-contrib (PFL-135)
Forms - Application - Voluntary Coverage contrib (PFL-136)
Forms - Employee opt-out (PFL-Waiver)
PFL Regulations - Final Rates (DFS)
PFL Regulations - Final (WCB)
PFL Regulations - The Law
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Underwritten by: ShelterPoint Life Insurance Company (principal office in Garden City, NY) in: NY ShelterPoint only offers Paid Family Leave in form of a rider to DBL.Policy Form# SPL DB0922 F
This page is for informational purposes only and is not intended to provide legal counsel. Please consult with an appropriate professional for legal and compliance advice. Any Paid Family Leave information is based on the applicable statutes and may change if guidance is issued by the State of New York.
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All policies are underwritten and administered by either ShelterPoint Life Insurance Company (principal office in Garden City, NY), or ShelterPoint Insurance Company, a FL-domiciled carrier, depending on the state. Contact Underwriting for details.
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