1. New York's Disability Benefits Law (DBL) provides covered employees with short-term benefits for:

Off-the-job (non-occupational) injury or illness

The New York DBL provides statutory short-term disability benefits for non-occupational injury or illness; work injuries are covered by workers' compensation.

2. New York Paid Family Leave (PFL) provides eligible employees with paid time off to:

Bond with a new child or care for a seriously ill family member

New York Paid Family Leave provides job-protected paid leave to bond with a new child, care for a seriously ill family member, or address a military deployment.

3. Disability income coverage generally coordinates with other benefits so the insured does not:

Collect duplicate benefits exceeding the income being replaced

Coordination prevents collecting combined benefits exceeding the income loss being replaced.

4. An 'own occupation' definition of total disability pays benefits when the insured cannot perform:

The duties of their own regular occupation

Own-occupation (the more liberal definition) pays if the insured cannot perform their own occupation's duties.