Statutory Disability Insurance

GCG secures the lowest cost statutory disability benefits for New York business owners.

The New York Disability Benefits Law (DBL) requires employers to provide statutory non-occupational Disability Benefits for their employees. GCG Risk Management, Inc. will secure this coverage for an employer through its preferred markets. Generally, GCG can secure this New York DBL mandatory coverage at the lowest available cost to the employer in the marketplace. As part of its service, GCG reviews the employer’s Disability Benefits claims to prevent these claims from developing into workers’ compensation cases, which would substantially increase the cost to the employer.

GCG will provide a no obligation quote for this mandatory New York DBL insurance coverage under “Request a Proposal.”

Statutory Disability: Value-Added Services

Audit & Classification Review

  • Experience Rating Review
  • Payroll Audit & Code Classification
  • Negotiate Reclassification of Payroll
  • Claims Audit and Reserve Review

Workers’ Comp Law & Regulation

  • Integration with FMLA/ADA Downloadable (PDF & doc)
  • Cost Change Updates for Budgetary Planning
  • “Reviewed Cost” Newsletter

Claims Services for Insurance Plans

  • FROI – First Report of Injury
  • Claims Processing
  • Claims Monitoring
  • Review Loss Reserves
  • Interface with Carrier Claims Dept. & Rating Board