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Emerling Agency, LLC Blog: disability

View the latest blog posts from Emerling Agency, LLC.

As independent agents, we write NYS disability with numerous carriers that are licensed in New York State.  Below is a helpful article from one of our carriers, Shelterpoint, that will help employers get ready for the Paid Family Leave Act effective January 1, 2018. READ MORE >>

OVERVIEW On April 4, 2016, New York Governor Andrew Cuomo signed a bill that will require employers to provide paid family leave benefits to eligible employees as part of the state’s disability insurance program. Paid family leave benefits will be phased in over a four-year period, beginning Jan. READ MORE >>

When do carriers have to announce if they will be exiting the DBL (and thereby PFL) market? The draft regulations are requiring carriers to declare if they will exit the statutory disability market, and thereby paid family leave, no later than July 1 of this year – or within 30 days of PFL... READ MORE >>

Having insurance is a lot like carrying an umbrella with you at all times: Most of the time it feels burdensome, but boy, are you glad to have it when the rain comes. The right insurance policies are key to a healthy financial life. Below, we've explained briefly which those are, plus when you should purchase them. READ MORE >>

Does your pay stub include the cryptic three-letter code LTD with a tiny dollar amount that’s deducted each pay period?  It stands for long-term disability insurance, and it pays to have it to provide for your family when you can’t work because of an injury or an illness like cancer. READ MORE >>

What is Short-Term Disability Insurance? Short-Term Disability insurance can pay a percentage of your salary if you're unable to work for a short period of time (typically less than six months) due to a non-work-related condition, illness, or injury. It helps protect, or partially replace your income. READ MORE >>

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