Workers compensation insurance

Enhancing NYS Disability Coverage: The Role of BGES Group in Supporting New York Business Owners

New York State disability insurance provides essential financial protection for employees who become disabled off the job. However, the statutory limit of $170 a week might not be sufficient for many individuals to meet their financial obligations during periods of disability. Fortunately, some companies offer higher limits to their employees, ensuring better coverage. In this article, we will explore the current landscape of New York State disability, the challenges posed by the statutory limit, and how the Paid Family Leave Act works. Additionally, we will delve into the ways in which BGES Group can help New York business owners improve their NYS disability coverage.

New York State Disability: An Overview

New York State disability insurance is designed to provide financial assistance to employees who suffer non-work-related injuries or illnesses that prevent them from working. As per the statutory limit, eligible individuals can receive up to $170 a week, which might not be enough to cover their living expenses, especially in a city as expensive as New York.

The Struggle with Statutory Limit

Living in New York comes with a high cost of living, and the $170 weekly cap on NYS disability benefits can be a significant challenge for employees facing disabilities. For many, this amount may not be enough to cover essential expenses like rent, utilities, groceries, and medical bills. Consequently, some individuals may face financial hardships during their recovery period.

Paid Family Leave Act: A Step in the Right Direction

Recognizing the limitations of NYS disability coverage, New York State introduced the Paid Family Leave Act (PFLA) in 2018. The PFLA provides eligible employees with up to 12 weeks of job-protected, paid leave to care for a new child, address a family member’s serious health condition, or assist with family matters arising from a family member’s military service.

PFLA offers a progressive approach to supporting employees during significant life events, but it may not address all the needs of disabled workers who are not taking care of a family member. Thus, there remains a gap in comprehensive disability coverage for such individuals.

BGES Group: Bridging the Gap for New York Business Owners

BGES Group recognizes the importance of providing adequate disability coverage for employees. They specialize in assisting New York business owners in obtaining better NYS disability coverage beyond the statutory limit. Here’s how BGES Group can help:

1. Tailored Disability Insurance Plans: BGES Group works closely with businesses to develop customized disability insurance plans that suit their unique requirements and budget. This ensures that employees receive more comprehensive coverage during disability periods.

2. Enhanced Employee Benefits: Offering better disability coverage can improve employee satisfaction, retention, and overall company morale. BGES Group can help businesses enhance their employee benefits package, which includes disability insurance, attracting and retaining top talent.

3. Expert Guidance and Support: Navigating the complex world of insurance can be daunting. BGES Group’s experienced professionals can provide expert guidance, answering any questions business owners may have regarding disability insurance and related matters.

4. Compliance and Cost-Effectiveness: BGES Group ensures that businesses remain compliant with all relevant laws and regulations while providing cost-effective disability coverage solutions. They strive to strike a balance between comprehensive coverage and affordability.


New York State disability insurance is a vital safety net for employees facing disabilities outside of work. However, the current statutory limit of $170 a week might not be sufficient for many individuals to sustain their living expenses in the high-cost state. The Paid Family Leave Act is a step in the right direction but doesn’t entirely address the needs of non-family caregiver employees.

To bridge this gap, businesses can partner with BGES Group, benefiting from their expertise in crafting tailored disability insurance plans, enhancing employee benefits packages, and ensuring compliance and cost-effectiveness. By taking proactive steps to improve NYS disability coverage, businesses can support their employees during challenging times and foster a positive work environment.

In conclusion, it is essential for New York businesses to consider the importance of better disability coverage, both for the welfare of their employees and the success of their organizations. By working with BGES Group, they can navigate the intricacies of NYS disability insurance and provide the support their workforce needs when facing unexpected challenges.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU!

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538



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