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State-Mandated DBL/PFL

Over 30 Years Experience Providing State Mandated Disability Benefits (DBL/PFL)  to Organizations of all Sizes.

Disability insurance is a complex area of insurance with many different types of insurance and laws regarding mandated disability insurance and Paid Family Leave. Susan has over 30 years of experience with disability insurance and works with the largest carriers in the country. Her experience and connections allow Susan to offer great rates with the ability to secure rate guarantees for two years or more.

Understanding the Possibilities of Privatized State-Mandated Disability

In New York and New Jersey, disability benefits are mandated by the State Government but can be purchased through the State or Private Insurance Carriers.   Buying through a private carrier, especially from a broker working with an insurance wholesaler, will offer a whole new level of personalized service, expert care, enhanced benefits, and multi-line discounts on other employee benefits packages for our clients.    Private DBL/PFL offers many benefits that state-funded plans do not, including faster payouts, better service, and a choice of direct deposit or a debit card to receive disability benefits.

State-Mandated coverage provides partial wage replacement to employees who cannot work due to an off-the-job injury or illness. The DBL covers most employers, with a few exemptions, and it applies to full-time and part-time employees who work for more than four consecutive weeks. The benefits provided by the DBL can last up to 26 weeks, and the amount of benefit payment is based on the employee's weekly wage. This state-mandated disability insurance helps ensure that employees who experience unexpected health issues are provided with financial support during their recovery.

State Mandated Disability Laws are in effect in New York, New Jersey, California, Hawaii, and Puerto Rico. Paid Family Leave has been passed in California, Colorado, CT, Delaware, Mass., Maryland, Oregon, Rhode Island, Washington State, and Washington D.C.

Paid Family Leave

In New York, Paid Family Leave works with the state-mandated disability law. Paid Family Leave is an employee benefit that allows workers to take time off from work to care for a new child or a seriously ill family member or to deal with qualifying exigencies related to a family member's military service. In New York State, Paid Family Leave (PFL) is a mandatory benefit that provides eligible employees with job-protected, paid time off. PFL is funded through employee payroll deductions and is administered by the state's Disability Benefits Law. Eligible employees can take up to 12 weeks of leave in a 52-week period, with a maximum weekly benefit amount that is adjusted annually. PFL benefits are available to all private employers with employees who work in New York State. Mandated Disability benefits apply to full-time and part-time employees who meet specific eligibility criteria. PFL aims to provide employees with the support they need to take time off from work to care for their loved ones without sacrificing their financial stability. 

Helping Employers of All Sizes Since 1991

Since 1991, we have been helping employers of all sizes find the best value for their benefit dollars. We can provide you with information and creative ways to save on tax dollars for your group of 2-100 employees. 

When it comes to state-mandated insurance, there are options for employers. It is important to know the difference between plans offered through the state and private insurance carriers and the pros and cons of each. Susan Wiener has been helping employers understand their insurance options for over 30 years.

Learn more about our services and the benefits you can provide to create the corporate culture that will attract and retain the right employees you are looking for. Call Susan Wiener Enterprises at 631-385-9602 or fill out the form on our contact page.

Additional Services Provided

Health Insurance

Professional Employer Organizations

Disability Insurance

Human Resources

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