New York State Disability insurance provides partial income replacement to eligible employees totally disabled as a result of an off-the-job illness or injury.
There is no coverage for:
An employee will receive 50 percent of his or her average weekly salary, up to the maximum benefit allowance established under the New York State Disability Benefits Law. The current maximum is $170. The average biweekly salary is based on an employee’s earnings for the 8 weeks immediately preceding the last day he or she worked.
FICA taxes are deducted from the biweekly payment amount. The current rate is found here.
The disability payment made by First Reliance Standard Insurance Company (First Reliance) may be supplemented with partial holiday, vacation, and personal leave accruals in order to maintain a disabled employee's normal salary. The combined disability payment and holiday/vacation/personal leave supplement cannot exceed the employee's average weekly salary amount.
Benefits are paid while totally disabled until the date the employee’s physician approves his or her return to work or the date the employee has received benefits for 26 weeks, whichever comes first.
Partial income replacement payments are made biweekly directly to the disabled employee by First Reliance.
The following table describes waiting periods for New York State Disability insurance coverage:
If an employee was...
then coverage begins...
eligible for coverage under his or her previous employer
immediately. There is no waiting period.
not eligible for coverage under his or her previous employer
Coverage continues for 4 weeks after the employee’s last day of employment. If the employee is covered by a new employer within that time period, Research Foundation coverage ends.
Employees must use all available sick leave before New York State Disability partial income replacement benefits will be paid. If an employee does not have any sick leave to use, benefits begin on the eighth consecutive day that the employee is unable to work because of his or her disability (7 calendar-day waiting period). Employees may use holiday, vacation or personal leave to cover the 7 calendar-day waiting period. Refer to the Leave Administration Handbook on the RF Web Portal.
New York State Disability partial income replacement benefits end the date the employee is no longer totally disabled, the employee’s physician approves his or her return to work or the date the employee has received benefits for the maximum 26-week (6 month) period of time, whichever comes first. Sick leave benefits run concurrent with the 26-week NYS Disability period.
Workers' Compensation Board (WCB) offers publications which contains additional information on "off the job" disability benefits. These brochures can be obtained by calling or writing:
The WCB Web site provides general information about the New York State Disability Benefits Law.
Other publications are available from the WCB Website.
The Research Foundation will continue the health, dental, vision care, and Basic Life insurance coverage in effect when an employee became disabled. Coverage will continue for the period of time during which partial income replacement is received through New York State Disability insurance.
The central office of human resources, Benefits Services Unit, is responsible for maintaining an employee's eligibility on his or her Oracle record to ensure coverage continuation during an absence covered under a New York State disability.
Employees who elect this coverage will not have to continue payments while they are off the payroll.
Employees who elect this coverage will be billed by the carrier after they are off the payroll.
An employee must pay the entire premium to the Research Foundation in order to continue Optional Life insurance coverage.
Leave Administration Handbook
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