New York Disability Insurance Calculator
Figure basis: Official New York State (Workers' Compensation Board / Paid Family Leave)New York runs two employee-funded programs: statutory Disability Benefits (DBL) and Paid Family Leave (PFL). This calculator estimates your 2026 New York deduction for Disability Benefits (DBL) and Paid Family Leave (PFL). Enter your annual wages to see the contribution for each program and the total. This is an employee payroll deduction: your employer withholds it from your pay and sends it to the state, so it reduces your take-home pay but is not paid by the employer. It is separate from federal income tax, Social Security, and Medicare. All rates and caps are sourced from New York State (Workers' Compensation Board / Paid Family Leave) and verified for 2026.
On $90,000 of wages in New York, the estimated 2026 Disability Benefits (DBL) and Paid Family Leave (PFL) deduction is $420.00 for the year, about 0.47% of pay.
How New York disability insurance is calculated
Disability Benefits (DBL): One-half of one percent of wages, capped at $0.60 per week.
Paid Family Leave (PFL): 0.432% of wages in 2026, capped at an annual maximum of $411.91.
Disability Benefits (DBL): min(weekly wage) x 0.5%, capped at $0.60/week, x 52 weeks
Paid Family Leave (PFL): wages x 0.432%, capped at $411.91
New York disability insurance figures (2026)
| Program | Employee rate | Cap | Source |
|---|---|---|---|
| Disability Benefits (DBL) | 0.5% | $0.60/wk | New York State (Workers' Compensation Board / Paid Family Leave) |
| Paid Family Leave (PFL) | 0.432% | $411.91/yr | New York State (Workers' Compensation Board / Paid Family Leave) |
Editor's insight: New York's two-track disability and leave deductions
New York does not run a single disability fund; it runs two employee-funded tracks side by side, and it helps to keep them straight. The older one is statutory Disability Benefits (DBL) under the Disability Benefits Law, which pays cash when an off-the-job illness or injury stops you working. The newer one is Paid Family Leave (PFL), which covers bonding with a new child or caring for a seriously ill relative. Both show up as payroll deductions, but they are set very differently.
For DBL, your share is one-half of one percent of wages, but capped at just $0.60 a week, about $31.20 a year, with the employer paying whatever the coverage costs beyond that. For PFL in 2026 the deduction is 0.432% of wages, capped at an annual maximum of $411.91, and it is funded entirely by employees.
Coverage reaches most private-sector workers in New York after a short qualifying period. The real difference is in the payout: DBL replaces half your average weekly wage but only up to a low statutory weekly ceiling that has not kept pace with wages, while PFL replaces a far larger share, up to a cap tied to the statewide average weekly wage, for up to 12 weeks. That gap is why the tiny DBL deduction buys such a modest benefit.
New York disability insurance: frequently asked questions
What is New York disability insurance and who pays it?
New York runs two employee-funded programs: statutory Disability Benefits (DBL) and Paid Family Leave (PFL). It is funded by an employee payroll deduction (your employer withholds it), not by the employer.
What is the New York disability insurance rate for 2026?
Disability Benefits (DBL): 0.5%, capped at $0.60/week. Paid Family Leave (PFL): 0.432% (maximum $411.91/year).
How much will these deductions cost on a $90,000 salary in New York?
On $90,000 of annual wages, the estimated 2026 New York combined disability/leave contribution is $420.00 (Disability Benefits (DBL) $31.20, Paid Family Leave (PFL) $388.80), about 0.47% of pay. Enter your own wages above for your figure.
Is New York disability insurance deducted from my paycheck?
Yes. Disability Benefits (DBL) and Paid Family Leave (PFL) are withheld from your wages by your employer and remitted to the state. It is separate from federal income tax, Social Security, and Medicare.
Official sources
- New York disability insurance rates and caps (tax year 2026): New York State (Workers' Compensation Board / Paid Family Leave), as at Jul 15, 2026.
Reviewed by the CalculatorHub team, edited by James Graham, 15 July 2026. See our methodology. General information, not tax or legal advice.