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Insurance & Employee Benefits
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State Disability Insurance Requirements
In most states, employers are required to provide medical and compensation benefits
to employees that are injured during the course of employment. A workers’ compensation
insurance policy provides a method to fund these claims. But if an injury occurs
when an employee is not at work, how are disability benefits paid to the employee?
Currently only five states and the Commonwealth of Puerto Rico require employers
to provide short-
Historically the push for disability benefits occurred as more woman joined the workforce to cover the loss of compensation from events of pregnancy. Hence, all of the state disability insurance programs listed above pay maternity (mother) disability insurance benefits for pregnancy, childbirth and related disabling medical conditions. What about Dad? Currently only California offers payments of benefits for paternity (father) leave. Paternity leave may be subject to the Family Medical Leave Act.
Some of the DBL carriers we represent:
First Rehabilitation Life
Standard Security
The Hartford
Zurich Insurance
Assurant
Lincoln Financial
Metropolitan Life
Guardian Life
Ask about our enhanced DBL program that offers higher benefits than what the states require.
State Temporary Disability Insurance
Rates with First Rehabilitation Life Insurance in New York:
|
Employee |
Monthly Rate |
Annual Premium |
Monthly Rate |
Annual Premium |
|
Male |
$ 2.05 |
$ 24.60 |
$ 2.50 |
$ 30.00 |
|
Female |
$ 4.45 |
$ 53.40 |
$ 5.30 |
$ 63.60 |
|
Statutory DBL |
Statutory DBL |
|
Billed Annually in Advance1 |
Billed Quarterly2 |
This material is for agent/broker use only and not intended for general public. Rates as of 08/2010.
1. Monthly per capita rates with an annual minimum premium of $ 125.00
2. Monthly per capita rates with a quarterly minimum premium of $ 35.00
State Disability Insurance -
