New York state law requires any company with one or more employees to maintain statutory Disability Benefits Law (DBL) insurance through a private carrier. Not only can we supply the statutory requirements, but we can also increase benefits if desired. We have several specialty programs in place for industries such as hospitality and retail, but we have the capability of handling any industry as needed.

In New Jersey, every employer and employee is automatically enrolled in the state program. However, if the employer has over 25 employees, and the claims history is favorable, the employer portion of the expenses and certain filing fees can be eliminated altogether. Please contact our office for a no obligation review to see if you may qualify. On average, we save qualified employers almost $60.00 per employee!