New York State requires employers to provide disability benefits coverage to employees. These are for an off-the-job injury or illness.
The law provides for the payment of cash benefits for employees who:
- have become disabled from injuries or illness away from work; and
- disabilities from pregnancies.
The law allows an employer to collect contributions from its employees to cover this benefit. Employers can get coverage for this benefit from:
- private insurance companies;
- the New York State Insurance Fund;
- self-insurance; or
- legal exemptions.
There are only a few situations where exemptions apply.