New York State Disability and Paid Family Leave Act Insurance: Understanding Benefits and Ancillary Coverages

New York State has long been a proponent of ensuring that its residents are well-protected in times of disability or the need to care for a loved one. The New York State Disability Benefits Law (DBL) and the Paid Family Leave Act (PFL) Insurance are two significant components of the state’s commitment to social security. These programs provide financial support when individuals face disability, whether due to illness or injuries, as well as when they need to care for a family member. This article explores the intricacies of the New York State Disability and Paid Family Leave Act Insurance, including the weekly benefit amount, differences between coverage options, and the role of organizations like BGES Group in providing ancillary coverages.

Weekly Benefit Amounts

One of the key aspects of the New York State Disability and Paid Family Leave Act Insurance is the weekly benefit amount provided to eligible individuals. Under the DBL, employees who are covered can receive a maximum benefit of $170 per week. However, this amount can be increased depending on the insurance company providing the coverage. Many insurance providers offer coverage options that allow individuals to increase their weekly benefit, often up to $340, $510, or even more. The ability to customize the coverage is a significant advantage for those seeking higher levels of financial protection.

Differences Between DBL and PFL Coverage

It is essential to distinguish between New York State Disability Benefits Law (DBL) and Paid Family Leave Act (PFL) Insurance, as they serve different purposes and have distinct eligibility criteria.

1. DBL Coverage: DBL insurance primarily provides wage replacement for employees who are unable to work due to a non-work-related injury or illness. This coverage is available to most employees in New York State, with a few exceptions. DBL benefits can last up to 26 weeks, with the weekly benefit amount mentioned earlier, which can be enhanced by choosing the right insurance provider.

2. PFL Coverage: Paid Family Leave (PFL) insurance is designed to offer job-protected, paid time off to employees who need to care for a family member with a serious health condition or to bond with a new child. PFL benefits are also available to most employees and can be taken in full or in part, up to a certain limit. While the benefit amount under PFL is not as high as some DBL enhancements, it provides a crucial safety net for families during significant life events.

Ancillary Coverages Through BGES Group

The BGES Group plays a crucial role in ensuring that New York contractors and employees have access to essential ancillary coverages beyond the standard DBL and PFL insurance. These additional coverages can provide comprehensive protection and peace of mind.

1. In-Hospital Daily Benefit: This coverage provides a daily benefit for hospital stays, helping individuals offset the expenses associated with medical treatment. It can be particularly useful for covering co-pays, deductibles, and other healthcare-related costs.

2. Accident Insurance: Accident insurance offers financial support in the event of an accidental injury. This coverage can help cover medical bills, rehabilitation expenses, and other costs resulting from accidents.

3. Group Life Insurance: Group life insurance provides a financial safety net for an employee’s family in the unfortunate event of their passing. It can help cover funeral expenses and provide financial support to beneficiaries.

4. Critical Life Insurance: Critical life insurance is designed to offer coverage in the event of a critical illness diagnosis, such as cancer or a heart attack. It provides a lump sum payment to the insured, helping them cope with medical bills and other associated costs.

BGES Group: A Trusted Provider

For decades, BGES Group has been a trusted provider of New York State DBL coverage, offering the best companies and quick issuance of certificates. Their commitment to facilitating the insurance process for New York contractors is crucial, as contractors often have unique needs when it comes to insurance coverage. The ability to access customized DBL and PFL insurance through BGES Group can be a game-changer for those in the construction industry, providing them with the financial protection they need in case of disability.


The New York State Disability and Paid Family Leave Act Insurance programs are vital components of New York’s social safety net, offering financial support to employees during times of disability and when they need to care for family members. While the standard weekly benefit for DBL is $170, this can be increased through the selection of the right insurance provider. Moreover, organizations like BGES Group go the extra mile to provide ancillary coverages that can further protect employees and contractors. In-hospital daily benefit, accident insurance, group life insurance, and critical life insurance are all additional options that can be tailored to meet individual needs. BGES Group’s expertise in the field and quick certificate issuance make them a valuable partner for New York contractors seeking comprehensive insurance coverage. Ultimately, the combination of DBL, PFL, and ancillary coverages ensures that New Yorkers have access to the financial protection they need when it matters most.

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.

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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