State disability insurance (SDI) is short-term disability coverage that is legislated by this state. If you have employees working in New York, the state may require that employers provide SDI coverage for employees.
|
Coverage options |
State plan, self-insured or through an approved insurance carrier |
|---|---|
|
Funding |
Shared by employer and employees |
|
Elimination period |
7 days |
|
Benefit |
50% of average weekly wage |
|
Maximum benefit |
$170 per week |
|
Benefit duration |
26 weeks Maximum benefit duration for DBL and PFL benefits combined cannot exceed 26 weeks in a consecutive 52-week period. |
| Coverage options | Self-insured or through an approved insurance carrier |
|---|---|
| Funding | 0.432% of employee wages up to state’s average weekly wage (2025) Max annual contribution is $411.91 (2025) Benefit is increasing to $1,228.53 in 2026 |
Elimination period | 0 days |
Benefit | 60% of average weekly wage |
| Maximum benefit | $1,177.32 per week (in 2025) |
Benefit duration | 12 weeks Maximum benefit duration for DBL and PFL benefits combined cannot exceed 26 weeks in a consecutive 52-week period. |
Principal teams up with ShelterPoint Life to offer New York Disability Benefits Law coverage to employers with New York employees. To be eligible, employers must offer group short-term disability, long-term disability, or term life coverage from Principal.
Talk to your financial professional to design a benefit offering that meets the specific needs of your business and employees.