New York requires most employers to provide disability benefits and Paid Family Leave to their employees. KAMFS Inc. places this statutory coverage for businesses across New York, usually alongside workers compensation, so employers stay compliant with one agency handling both.
Disability Benefits (DBL)
DBL pays partial wages to employees who cannot work because of an injury or illness that happens off the job, including disabilities related to pregnancy. Job-related injuries are covered separately by workers compensation.
Paid Family Leave (PFL)
Paid Family Leave gives employees paid, job-protected time off to bond with a new child, care for a family member with a serious health condition, or help with family matters when a relative is called to active military service. PFL is added to the employer's disability policy and is funded through employee payroll contributions.
Who Must Carry It
Most private employers in New York with employees must carry DBL and PFL coverage. Employers without required coverage face penalties from the New York State Workers' Compensation Board and can be held responsible for benefits owed.
Common Questions
Is disability insurance required for employers in New York?
Yes. New York requires most private employers to carry statutory disability benefits (DBL) and Paid Family Leave (PFL) for eligible employees, purchased through an insurance carrier in the same way as workers compensation.
What is the difference between disability benefits and workers compensation?
Workers compensation covers injuries and illnesses caused by work. Disability benefits cover injuries and illnesses that happen off the job. New York employers generally need both.
Who pays for Paid Family Leave?
PFL is funded by employees through payroll deductions. The employer obtains the coverage and can collect the employee contribution through payroll.
Can business owners cover themselves?
Sole proprietors and partners are not required to cover themselves, but they can choose to buy DBL and PFL coverage voluntarily.
New York requires most employers to provide disability benefits and Paid Family Leave to their employees. KAMFS Inc. places this statutory coverage for businesses across New York, usually alongside workers compensation, so employers stay compliant with one agency handling both.
Disability Benefits (DBL)
DBL pays partial wages to employees who cannot work because of an injury or illness that happens off the job, including disabilities related to pregnancy. Job-related injuries are covered separately by workers compensation.
Paid Family Leave (PFL)
Paid Family Leave gives employees paid, job-protected time off to bond with a new child, care for a family member with a serious health condition, or help with family matters when a relative is called to active military service. PFL is added to the employer's disability policy and is funded through employee payroll contributions.
Who Must Carry It
Most private employers in New York with employees must carry DBL and PFL coverage. Employers without required coverage face penalties from the New York State Workers' Compensation Board and can be held responsible for benefits owed.
Common Questions
Is disability insurance required for employers in New York?
Yes. New York requires most private employers to carry statutory disability benefits (DBL) and Paid Family Leave (PFL) for eligible employees, purchased through an insurance carrier in the same way as workers compensation.
What is the difference between disability benefits and workers compensation?
Workers compensation covers injuries and illnesses caused by work. Disability benefits cover injuries and illnesses that happen off the job. New York employers generally need both.
Who pays for Paid Family Leave?
PFL is funded by employees through payroll deductions. The employer obtains the coverage and can collect the employee contribution through payroll.
Can business owners cover themselves?
Sole proprietors and partners are not required to cover themselves, but they can choose to buy DBL and PFL coverage voluntarily.