If life throws a curveball your way and you find yourself unable to work due to personal illness or a non-work-related injury, you may be eligible for temporary cash benefits under the New York State Disability Benefits Law (DBL).
The NYS Disability Benefits Law (DBL) is a state-mandated insurance program that provides eligible employees with job-protected, partial wage replacement while they are incapacitated due to a short-term disability. DBL benefits are designed to lessen the burdens surrounding:
- RECOVERY WITH EASE: Get financial relief for medical expenses and focus on healing
- MAINTAINING INCOME: A safety net that replaces a portion of your income during disability
- TEMPORARY TIME OFF: Support for non-work-related illnesses or injuries
- GETTING BACK ON YOUR FEET: Assistance with vocational training and services for a smooth return to work
- FAMILY FIRST: Take time off to care for seriously ill or injured family members
- PREGNANCY SUPPORT: Financial assistance during a period of disability caused by pregnancy-related complications
- MENTAL HEALTH MATTERS: Help for disabilities caused by severe mental health conditions that prevent work
- SUPPORT FOR LOVED ONES: Ensure financial stability for your family in the event of your passing
Please keep in mind that the specific coverage and uses of DBL benefits may vary based on your insurance policy and state regulations. It is advisable to consult with your employer or insurance provider for detailed information regarding the benefits available to you.
Who Can Request DBL?
Generally, employees who:
- Partial Wage Replacement: Receive 50% of your average weekly wage, up to a cap of $170 per week.
- Up to 26 Weeks of Leave: Can be taken all at once or in increments. (DBL and PFL combined cannot exceed 26 weeks during any consecutive calendar weeks).
- Strong Rights and Protections:
- Wage Replacement: DBL benefits provide partial wage replacement for those unable to work due to a non-work-related illness or injury.
- Job Protection: Employers must offer job protection and reinstate employees upon returning from DBL leave.
- Continuation of Benefits: Employers generally must maintain health insurance coverage and other benefits during the DBL leave.
- Prohibition of Retaliation: Employers are not allowed to retaliate against employees for taking DBL leave or exercising their rights.
- Appeals Process: Employees have the right to appeal denied claims or disputes about DBL benefits.
- Confidentiality: Employers and insurers are required to keep medical and personal information confidential.
- Additional Penalties: Employers found in violation of the DBL law may be required to pay a penalty of 50% of the unpaid benefits.
Please note that specific details and provisions may vary, so it’s important to refer to the DBL law and consult with relevant parties for comprehensive information.
How to Request DBL
- Notify your employer as soon as possible, preferably within 30 days
- Complete the DBL claim forms and submit them to your employer or their insurance carrier
- The carrier approves or denies benefits within 45 days of receiving your completed claim
Visit the website for more information on DBL and to download the claim forms.
Call the toll-free DBL Helpline
8:30 a.m. to 4:30 p.m.
Monday – Friday