Disability
benefits are temporary cash benefits paid to an eligible wage
earner, when he/she is disabled by an off the job injury or illness.
The Disability Benefits Law provides weekly cash benefits to replace,
in part, wages lost due to injuries or illnesses that do not arise
out of or in the course of employment. Disability benefits are
also paid to an unemployed worker to replace unemployment insurance
benefits lost because of illness or injury.
Disability
benefits include cash payments only. Medical care is the responsibility
of the claimant. It is not paid for by the employer or insurance
carrier. Cash benefits are 50 percent of a claimant’s average
weekly wage. Benefits are paid for a maximum of 26 weeks of disability
during 52 consecutive weeks. For employed workers, there is a
7-day waiting period for which no benefits are paid. Benefit rights
begin on the eighth consecutive day of disability. An employer
must supply a worker who has been disabled more than seven days
with a Statement of Rights under the Disability Benefits Law (form
DB-271), within five days of learning that the worker is disabled.
Who
is covered Under the Disability Benefits Law?
Employees or recent employees of a “covered”
employer, who have worked at least four consecutive
weeks.
An employer of one
or more persons on each of 30 days in any calendar year
becomes a “covered” employer four weeks
after the 30th day of such employment.
Employees of an employer
who elects to provide benefits by filing an Application
for Voluntary Coverage.
Employees who change
jobs from one “covered” employer to another
“covered” employer are protected from the
first day on the new job. Generally, an eligible employee
does not lose protection during the first 26 weeks of
unemployment, provided he/she is eligible for and is
claiming unemployment insurance benefits.
Domestic or personal
employees who work 40 or more hours per week for one
employer
Who
is not covered Under the Disability Benefits Law?
A minor child of the employer.
Government,
railroad, maritime or farm laborers, ministers, priests,
rabbis, members of religious orders, sextons, Christian
Science readers.
Corporate
officers and persons engaged in a professional or teaching
capacity in or for a religious, charitable, or educational
institution of a “non-profit” character,
and persons receiving rehabilitation services
in a sheltered workshop operated by such institutions
under a certificate issued by the U.S. Department of
Labor.
Persons
receiving aid from a religious or charitable institution,
which perform work in return for such aid.
Golf
caddies.
One
or two corporate officers who each own at least one share
of stock and between them own all the shares of stock
hold all of the offices of a corporation that employs
no other employees
Daytime
students in elementary or secondary school, who work part-time
during the school year or their regular vacation period.
Employees,
who change to jobs in an exempt employment or with a “non-covered”
employer, and work in such employment for more than four
weeks, lose protection until they work four consecutive
weeks for a “covered” employer.
Pricing: To apply for Disability Insurance Infotax Square fees is $200.00
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