If You Are Claiming/receiving Unemployment Benefits And Your Disability Started More Than Four Weeks From The Last Day You Worked
Who pays benefits: New York State Special Fund for Disability Benefits
How to Apply
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PO Box 9029 Endicott, NY 13761-9029.
IMPORTANT: Before filing your claim, be sure that you have completed and signed Part A, “Claimant’s Statement,” and your health care provider has completed and signed Part B, “Health Care Provider’s Statement.” Submit this information promptly to avoid delaying your claim. You must file your claim within 30 days after you become disabled.
Do I Need Both Short Term And Long Term Disability Insurance
As you can probably tell, short term and long term disability insurance policies are designed to work together. Short term disability is intended to cover you immediately following a serious illness or injury, and long term disability insurance is intended to maintain income replacement if your condition keeps you out of work past the end of your short term disability benefit period, even to retirement, depending on your plan. If you have both short term and long term disability policies in place, short term disability will pay you benefits during the waiting period before your long term disability coverage begins, at which point youll transition from one policy to the next to receive benefits. For that reason, it makes sense to have both policies to help ensure an unexpected health problem wont derail your financial confidence for a few months or for several years.
Contact A New York Disability Attorney For Help
Applying for long-term disability benefits in New York can be complicated. Our experienced NY disability lawyer can help you file your disability claim and dispute unjust denials so that you can receive the benefits you need to support yourself and your family. Contact us today to arrange a free consultation.
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New York Life Group Benefit Solutions And Achilles International Working Together For Our Customers
Achilles International is a nonprofit that brings volunteers and disabled runners together to train in an environment of support and community.
Our collaboration with Achilles International helps us accelerate whole-person health and build strong personal relationships with those we serve.
See how our collaboration has impacted Makeda:
MEET MAKEDA
When a nurse found herself unable to walk, we helped her recover so she could get back to the work and life she loves.
Our value-added programs1 offer everyday help and support. When you enroll in NYL GBS Disability insurance, they’re included with certain policies, and they are available to you and members of your household. These include:
NYL GBS Life Assistance Program
NYL GBS Life Assistance Program offers phone consultation, counseling referrals, online work/life support, and community services for many of life’s challenges.
My Secure Advantage
My Secure Advantage is a full-service financial wellness program that offers solutions to all types of personal financial needs. The program includes access to “money coaching” from experienced financial experts identity theft resolution and protection online will preparation legal consultation referrals and discounts educational webinars access to a library of articles, tools, forms and tips and more.
NYL GBS Health Advocacy Services2
NYL GBS Life Assistance Program2
My Secure Advantage 3
NYL GBS Health Advocacy Services4
Related Links
Is Short Term Disability Mandatory In New York

Yes and just because its mandatory, it doesnt mean you have to overpay for it. Short term disability insurance is required if you operate a business in NY and have at least one employee.
But, many employers just pay the bill and never bother to look to see if their rates have increased or if they can get a better deal.
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Long Term Disability Highlights
Proactive Response to Behavioral Health: A clinical resource contacts the employee and provides maximum customized support to help avoid delayed recovery.
Motivational Interviewing: Clinical staff receive training in techniques that can help employees make positive changes.
Return-to-Work Incentive: Disabled employees who return to work may qualify for partial or full benefits even while working for a period of time.
Return-to-Work Rehab: This feature covers some or all expenses paid by employees for approved costs that support a return to work.
Employer/insurance Carrier Requests Examination By A Health Care Provider
- Your employer/insurance carrier may designate a health care provider to examine you. You must submit to requested examinations under the following conditions:
- Exams may occur at intervals, but not more than once a week.
- You do not pay for the exams.
- Exams occur at a reasonable time and place.
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What If An Employee Becomes Disabled While Unemployed
An employee who becomes disabled while they are unemployed may still be eligible for disability benefits. An employee may not collect unemployment benefits and disability benefits for the same period of time.
The length of time an employee has been unemployed determines who pays the disability benefits:
- If an employee has been unemployed for less than four weeks:
- Disability insurance benefits are provided by last employer’s disability insurance carrier.
- The seven day waiting period applies.
Group Long Term Disability Benefits
Some employers offer Long-Term Disability insurance plans or LTD designed to provide benefits to participating employees who become too disabled to work. Some companies pay the cost of these LTD Plans as a fringe benefit. Other companies offer LTD as an option requiring payroll deductions from an employees salary. Some companies may cover the payment for basic coverage, , and then offer employees an option to add supplemental coverage. To the extent that the company pays the premiums, benefits are taxable when paid. To the extent that the employee pays the premiums, the benefits are tax free.
Group LTD benefits paid through a company benefits plan are governed by a federal law known as the Employee Retirement Income Security Act of 1974 .
An employee is a participant. Typically, the employer is the plan administrator.
Unless the employer is self-insured, LTD claims are more often administered by insurance companies which act claims administrators and make determinations on claims for LTD benefits. Even self-insured companies may delegate the handling of such claims to a Third-Party Claims Administrator, to carry out this function and handle all matters relating to such claims.
Most LTD plans will only pay benefits for a maximum of 24 months for disabilities related to mental impairments or what insurers call self-reported illnesses such as illnesses like Chronic Fatigue Syndrome, Fibromyalgia, and Chronic Headaches.
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Whats The Elimination Period
While short term disability insurance begins paying benefits within a couple weeks following a qualifying illness or injury, long term disability insurance requires a longer waiting period, called an elimination period, before a policyholder begins receiving benefits. The length of the elimination period varies by policy but is often around 90 days. When considering a disability policy, take into account how you will cover your expenses during the elimination period. Do you have an emergency fund to cover your lost income and any medical bills you accrue during this time? If not, you may consider purchasing additional coverage to protect you immediately following a disabling illness or injury.
Should I Buy Individual Disability Insurance In Addition To The Group Plan Offered By My Employer
If you are looking for more protection, you should consider adding extra coverage on top of your group long term or individual disability plan.6 Supplemental disability insurance available through an employer can be a great add-on for employees and individuals who wish to protect a greater percentage of their income, bonuses or commissions.
Supplemental disability insurance helps cover the difference between what youll receive from your current group long-term disability policy and what youd need to maintain your current lifestyle if youre unable to work due to injury or illness.
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Other Income That Could Reduce Your Ssdi Payment
Any disability benefits you receive from a private long-term disability insurance policy won’t affect your SSDI benefits. Nor will SSI or VA benefits impact your SSDI amount. But government-regulated disability benefits, such as workers’ comp or temporary state disability benefits, can affect your SSDI benefits. Here’s how that works: If the amount in SSDI plus the amount from government-regulated disability benefits is more than 80% of the amount you earned before you became disabled, the SSDI or other benefits will be reduced.
Before Inez became disabled, her average earnings were $5,000 per month. Inez, her spouse, and her two children would be eligible to receive a total of $3,000 a month in Social Security disability benefits. But Inez also receives $2,000 a month from workers’ compensation.
The total amount of benefits Inez and her family would receive$5,000is more than 80% of her average earnings. So, her family’s Social Security benefits will be reduced by $1,000, from $3,000 to $2,000. That way, the $2,000 a month from workers’ comp and the $2,000 in disability benefits means they will receive a total of $4,000 per month, which is 80% of the earnings figure of $5,000.
The following types of government benefits could lower your SSDI payment:
- workers’ comp payments
- civil service disability benefits, and
- state or local government retirement benefits based on disability.
How Long Does Long

Once long-term disability benefits have been approved, an employee can continue to receive benefits for the length of the policy term or until they return to work. Most long-term disability plans provide coverage for 36 months, although some plans can provide coverage for up to 10 years or even for the life of the policyholder.
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How Do I Get Individual Disability Insurance
If youre self-employed, your employer doesnt offer disability insurance, or you want to supplement the policy your employers does offer, you can apply for an individual disability policy. Individual disability insurance elimination and benefit periods may differ from group disability insurance, but a financial representative can help you choose the right coverage for your situation. If youd like some help understanding what type of coverage makes sense for you and applying for a policy, get in touch with a financial representative who can help you make a decision.
Key Features Of New York Paid Family Leave
Coverage options
Self-insured or through an approved insurance carrier
Funding
0.511% of employee wages up to states average weekly wage
Elimination period
60% of average weekly wage
Maximum benefit
$1,068.36 per week
Benefit duration
10 weeksMaximum benefit duration for DBL and PFL benefits combined cannot exceed 26 weeks in a consecutive 52-week period.
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Are You Paying More For Nys Disability Coverage
Not comparing your rates each year is a big mistake! Like most insurance policies, prices change and can vary from company to company.
Here are sample rates from one of our A+ Insurance carriers:
Male Employees $1.50
Female Employees $3.30
Why Pay More?
You can get a free quote for NYS Mandatory Disability Insurance by calling 800-234-3702 and let us compare your current premium to one of our quality insurance providers.
Our advice is unbiased and we represent the best NY short term insurance companies such as:
- Standard Security
Does Social Security Cover The Same Conditions
This is another question were often asked, particularly as clients who may have long-term or short-term disability policies also consider the possibility of pursuing Social Security disability benefits. Generally, Social Security disability benefits are available for many of the same conditions that may be covered by short or long-term disability.
The good news is that if you have a condition that qualifies you to receive either short or long-term disability benefits, you can generally collect Social Security disability benefits at the same time. Indeed, many long-term disability policies actually mandate that policyholders apply for Social Security disability as well. In many cases, while both types of benefits can be received, the amount of long-term disability benefits may be offset by the value of the Social Security benefits received.
In the case of short-term disability benefits, recipients can usually collect both Social Security disability and short-term benefits simultaneously. Its important to remember, however, that there is generally a waiting period before Social Security disability benefits are paid, so often, short-term disability benefits may have ceased before the payment of Social Security disability benefits begins.
The Law Office of Daniel Berger Here for You
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Whats The Difference Between Long Term And Short Term Disability Insurance
Most people think disability is something that happens to other people, but its more common than you may think. More than a quarter of todays 20-year-olds can expect to be out of work for at least a year before they reach retirement age due to a disabling condition.1 And some of the most common reasons for disability claims include pregnancy, mental health issues and cancer2 conditions that might not be top-of-mind when you think about disability. Thats why its so important to protect yourself in case an unexpected illness or injury keeps you out of work for an extended period of time. But before you can choose the right protection for a potential disability, you first need to understand the difference between the two primary types of disability insurance: short term and long term.
If You Become Disabled While You Are Employed
- There is a seven day waiting period for which no benefits are paid. Benefits begin on the eighth consecutive day of disability . If you have been disabled more than seven days, your employer must give you a Statement of Rights under the Disability Benefits Law within five days of learning that you are disabled .
- A “day of disability” is a day on which you were prevented from performing work because of disability and for which you have not received regular wages or remuneration. You are ineligible for disability benefits if you perform any type of work for which you receive wages or profit, even if performed at home.
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More Opportunities For Coverage
You can provide Long Term Disability insurance for your employees. You can also offer them the option to increase their coverage at group rates. Consider adding a Long Term Disability plan for buy-up.
Consider adding Long Term Disability insurance as a Voluntary option. Your employees can choose to buy LTD coverage under the group policy and pay the group rate.
What Are The Elimination Periods For Long

The most common elimination period for long-term disability is 90 days, but the exact terms of the elimination period will be specified in the policy. If short-term disability coverage is available, the effective waiting period before receiving benefits will be relatively short. When a short-term policy is not available, however, employees may have to wait several months with no income before qualifying for long-term benefits. Due to the longer elimination periods, many employees opt for a combination of short-term and long-term disability coverage.
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How Do I Get Disability Insurance
Many employers offer disability insurance to their employees at no cost or at a discounted group rate, so check with your employer to see if a disability insurance policy is available. If your employer doesnt offer disability insurance, or if you are self-employed, you can also consider looking into an individual disability insurance policy. Even if you do have an employer-sponsored plan available to you, you may wish to purchase additional coverage through an individual policy.
What States Require Short Term Disability Insurance
Some states require employers to provide partial wage replacement insurance coverage to their eligible employees for non-work related sickness or injury.
Currently, if your employees are located in any of the following states, you are required to purchase disability insurance:
New York: New York State Workers Compensation Board
California: Employment Development Department
New Jersey: Department of Labor and Workforce Development
Puerto Rico: Department of Labor and Human Resources
Rhode Island: Rhode Island Department of Labor and Training
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Dedicated Legal Representation For Disabled New York Workers
It is an unfortunate reality that workers suffering from severe disabilities may face opposition when pursuing fair workers’ compensation. At Wingate, Russotti, Shapiro, Moses & Halperin, LLP our New York workers compensation attorneys have the experience and dedication to give you the best opportunity to find full and fair compensation for your continuing losses. To learn more about how we may be able to aid you, contact our offices today at 986-7353.
Features That Work For You
- Special group rates for members of APA
- No medical exam typically required to apply**
- Own Occupation definition of disability
- Up to $10,000 of monthly disability coverage*
- Fast underwriting most applications approved or declined within 2-3 weeks
- No annual policy fee
- Your choice of maximum payment period and elimination period
- Optional COLA and critical disability benefits
- Residual disability benefit
- Waiver of premium and waiver of elimination period benefits
Ready to get covered?
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Complying With The Disability Benefits Law
A New York employer who has one or more employees for at least 30 days in any calendar year shall be deemed a covered employer and is subject to the Disability Benefits Law. These 30 days of employment need not be consecutive days but must be work days of employment in one calendar year.
A covered employer under the law is required to provide for the payment of Disability Benefits to all eligible employees, which includes full-time and part-time employees.