NY State Disability Insurance: What You Didn’t Know Could Cost You

Hi, I’m Dave Evans from Hopmeier Evans Gage Insurance.

Let’s talk about a commonly overlooked but legally required coverage in New York: State Disability Insurance — sometimes called “the little disability.” It’s required for:

  • All employees working in New York State
  • Remote employees working from New York (even if your business is based out-of-state)

🛑 Common Mistake: Workers’ Comp ≠ Disability

Many businesses buy workers’ compensation through their payroll provider and assume that covers everything.

❌ Wrong.
Workers’ comp is only half the equation.

You also need to buy New York State Disability Insurance separately — and if you don’t, you could face penalties.


⏪ Backdating No Longer Allowed

In the past, we could help clients backdate disability coverage if they forgot.
Now? New law, new rulesbackdating is no longer allowed.

If your coverage starts late, it stays late — and you may face fines or compliance issues.

That’s why it’s so important to start your disability policy at the same time as your workers’ comp plan.


✅ Quick Summary for NY Employers:

  • Workers’ comp covers on-the-job injuries
  • Disability covers off-the-job illness/injury
  • Both are required by NYS law
  • You must start both policies at the start of employment
  • No more backdating allowed

YouTube video

🤝 Need help?

We’re here to make it easy.
Call, text, or email us today. We’ll get your workers’ comp and disability policies in place—fast, compliant, and affordable.

Hopmeier Evans Gage Insurance
📞 Because the wrong coverage is never a bargain.

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