New York disability benefits law and paid family leave

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.

Key features of New York Disability Benefits Law (DBL)

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.

Get more information about DBL from the State of New York.

Key features of New York Paid Family Leave (PFL)

Coverage options	Self-insured or through an approved insurance carrier
Funding	0.388% of employee wages up to state’s average weekly wage (2025) Max annual contribution is $354.53 (2025)
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.

Get more information about PFL from the State of New York.

Principal^® has a solution

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.

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