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Employers with one or more employees working within the State of New York are required to provide short-term disability benefits should the employee become disabled as a result of a non-occupational injury or illness. After a 7-day elimination period, the employee is eligible to receive 50% of their weekly earnings, up to $170 per week. In addition, while continuously disabled, the employee can receive up to 26 weeks of benefits within 12 consecutive months. Arch offers enriched plan options that allow an employer to shorten the elimination period, increase the covered weekly benefit percentage, weekly dollar maximum and overall covered weekly durations.

NY DBL Rates: 1 - 49 - filed rates




Quarterly in Arrears



Annual in Advance




*monthly rate per employee billed quarterly in arrears
$80 Minimum Annual Premium

The Arch Advantage

  • Industry experts in disability benefits with over 50 years of combined underwriting experience
  • 100% paperless/instant issuance of all policy and related documents. There's no waiting for the U.S. Mail
  • Multiple location and combined billing options
  • Employer access to online, real-time FICA and claim reports
  • Superior claim staff that focus on full case management and returning employees to work
  • High-tech systems and operations that translate to faster and more accurate processing of business


Insurance coverage is underwritten by a member company of Arch Insurance Group Inc. This is only a brief description of the insurance coverage(s) available under the policy. The policy contains reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in the policy. If there are any conflicts between this document and the policy, the policy shall govern. Not all coverages are available in all jurisdictions.