Illness and injury will happen. But they don't have to put employees on the spot. When an injury or illness prevents an employee from working for awhile, our non-occupational disability insurance provides important benefits so they can focus on their recovery.
While New York law requires you to have disability coverage, you can choose your provider. Nationwide's group insurance offers coverage to provide a weekly cash benefit to your employees for disabilities caused by non-occupational illness or injury.
Statutory benefits are equal to 50% of your insured employee's average weekly wage, up to a maximum of $170 per week.
Statutory benefits are payable starting with the eighth day of disability for non-occupational illness or injury and last as long as 26 weeks during a 52-week period, beginning with the first week from which benefits begin.
Group insurance that's customized and affordable
Providing non-occupational disability coverage for your New York employees is the law, but you have choices when it comes to providers.
For more detailed information, view our New York Disability coverage brochure.
Some limitations and state exceptions apply. An employer is allowed by law to deduct one half of 1% of an employee's weekly wage, not to exceed 60 cents per week toward the cost of this coverage. The employers pay the balance of the premium.