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Top Employer FAQs

  • How does my employee file a New York Disability Benefits Law (“DBL”) claim?

    If the disability begins while the employee is working, or within four weeks of the last day worked, the employee should file a completed DB450 claim form within 30 days.
    PART A is the Claimant’s Statement and is for the employee to fully complete and sign.
    PART B is the Health Care Provider’s Statement. The employee must have their health care provider fully complete this section which certifies that the employee is unable to work because of a disability.
    PART C is the Employer’s Statement. You must fully complete Part C of the claim form providing the employee’s wage and employment information.

    Once all sections are complete you or your employee can submit the claim to us by:

    FAX:
    585-398-2854
    MAIL:
    Standard Security Life Ins. Co of NY
    P.O. Box 25339
    Farmington, N.Y. 14425

    If the disability occurs more than four weeks after the employee’s last day worked and the employee is receiving NYS Unemployment Benefits the employee must file a completed DB-300 claim form (http://www.wcb.ny.gov/content/main/forms/db300.pdf) form with the Workers’ Compensation Board. They should mail the completed form to:
    Workers' Compensation Board
    Disability Benefits Bureau
    328 State Street
    Schenectady, NY 12305

  • What is the maximum weekly benefit for DBL claims?

    The current DBL maximum weekly benefit is $170.00. The rate is calculated by averaging the eight weeks gross salary prior to the last day the employee works before going out on disability. If 50% of this gross weekly rate is $340.00 or above, they will make the maximum of $170.00 a week.

    Example 1: Sum of 8 weeks: $4000.00
    Average weekly wage: $500.00
    50% of average weekly wage: $250.00
    Current DBL maximum: $170.00 The rate will be $170.00

     

    Example 2: Sum of 8 weeks: $1952.30
    Average weekly wage: $244.04
    50% of average weekly wage: $122.02
    Current DBL maximum: $170.00 The rate will be $122.02
    *The above examples are based on a statutory DBL policy that does not have enriched weekly benefits
  • Are any taxes taken out of the employee's DBL check?

    Yes, FICA (which includes Social Security and Medicare) tax is required to be deducted from the DBL check if payable to the employee.

  • How long does it take to review a claim?

    We review all claims within four business days. We will request further information, accept or reject the claim within four business days.

  • Can an employee work from home or work part time while on DBL?

    No, the employee cannot perform any kind of work for wage or profit.

  • How long can an employee collect DBL benefits?

    The maximum benefit period for a DBL claim is 26 weeks.

  • If an employee quits, does the employer still have to submit a disability claim if they ask them to?

    Yes. If the disability date is within four weeks of the day the employee quits and the employee asks for a claim to be submitted you must comply. We will determine if the employee is eligible or not depending on the circumstances. Make sure to provide the details surrounding the separation of employment.

  • Can an employee receive no-fault benefits in addition to DBL benefits?

    Yes. In most cases, the no-fault benefit will be reduced by the DBL benefit.

  • Do I have to pay premium for my part-time employees?

    Yes, part-timers are required to be covered for DBL.

  • Where do I obtain an updated posting notice (DB120)?

    An updated posting notice is available on our website. You can instantly download/print the most current version by clicking here.

  • Where can I get a copy of my DBL policy?

    This information can be obtained through your broker or you can download/print a copy by registering on our website. If you are already registered you can obtain a copy of the policy now by clicking here.

  • How can I update policy information?

    You can update policy name, address, billing address, policy status etc. by contacting your service representative, or by submitting the change request directly to Standard Security Life Insurance Company of New York at:

    FAX:
    212-644-5786
    MAIL:
    Standard Security Life Ins. Co of NY
    485 Madison Avenue 14th Floor
    New York, N.Y. 10022
  • Where can I get a copy of my bill?

    This information can be obtained through your broker or you can download/print a copy by registering on our website. If you are already registered you can obtain a copy of your bill now by clicking here.

  • Can I pay my bill online?

    Yes, you can securely pay your bill by credit card or e-check by logging in to your account on our website. If you have not set up an account, you can do so by clicking here.

  • Can I get paperless billing?

    Yes, you can receive your premium notices electronically by logging onto your account on our website. If you have not registered yet, click here to create an account.

  • How do I get a 120.1 (Certificate of Insurance Coverage)?

    You can get a 120.1 instantly by clicking here. You can also request one through your broker of record of by contacting our office at 646-509-2100 or policyservices@sslicny.com.