New York Disability Benefits Law

Financial support while getting back on track after a life-changing event

New York is one of five states that have mandatory disability benefits coverage. The New York Disability Benefits Law (NY DBL) protects employees faced with a disabling injury or illness off the job.

Employees are eligible to receive benefits when one of the following criteria is met:

  • They’ve been working for the employer full-time for at least four consecutive weeks
  • They’ve been working for the employer part-time for at least 25 days


NY DBL offers income replacement of 50% of an employee’s average wage up to a maximum weekly benefit of $170. After satisfying the waiting period, benefits are paid for a maximum of 26 weeks in a 52-week period.



New York Paid Family Leave

Peace of mind while taking care of a loved one

The New York Paid Family Leave (NY PFL) program provides New York-based employees job-protected, paid leave to bond with a new child, care for a loved one with a serious health condition, or provide support when a family member is called to active military duty.

Employees are eligible to receive benefits when one of the following criteria is met:

  • They’ve been working 20 or more hours per week for 26 consecutive weeks
  • They’ve been working less than 20 hours per week for 175 days


Benefits will increase in both duration1 and percentage of weekly wage on an annual basis through January 1, 2021. Beginning January 1, 2019, the benefit percentage will be 55% of an employee’s average wage (previously 50%), with a maximum weekly benefit of $746.41. Benefits will be paid for a maximum of 10 weeks.

Covered employees may not receive benefit payments under NY DBL and PFL simultaneously.

To help employees understand the key differences between NY DBL and NY PFL, view our comparison chart.



Group disability income insurance and Disability Benefits Law (DBL) policies are insured by First Symetra National Life Insurance Company of New York, NY. Mailing address: P.O. Box 34690, Seattle, WA 98124. Policies may be subject to exclusions, limitations, reductions and termination of benefit provisions.

1DBL and PFL can’t be taken concurrently. If both leaves are taken in a 52-consecutive-week period, they cannot exceed 26 weeks.