Home / Employee benefits / Statutory paid family leave and disability
Statutory disability and paid family leave for employers
If you have employees in New Jersey or New York, the law requires you to provide temporary disability coverage, and paid family leave as well. You can use the state plan or a private plan. We help you compare, in those states and in others with their own programs, often called TDI, DBL, PFL, or PFML.
Each state names its program differently. If your employees work in more than one of these states, we can help you sort out which rules apply and where a private plan is an option. State names link to each official program site.
Current as of 2026. Programs, dates, and private plan rules change, so confirm with each state before you act. New Hampshire, Vermont, and Virginia offer voluntary programs. This table is general information, not legal advice.
Why look at a private plan
It may lower your cost compared with the state plan.
Claims are handled by a carrier set up to pay them.
It can be coordinated with your other disability and leave benefits.
What to know before you switch
The state must approve a private plan, and it has to match the state benefits.
Employees need clear notice and claim instructions.
Some states require an employee vote to adopt a private plan.
How we help
Map your workforce
Where employees work, headcount, and what you offer today.
Compare state and private
Side by side costs, benefits, and the approval steps.
Set it up and keep it current
We help with the filing and review it each year as rates change.
Paid family leave and disability questions
What are NJ TDI and FLI?
TDI is New Jersey Temporary Disability Insurance, also called TDB. It pays part of an employee's wages during a non work illness or injury. FLI is Family Leave Insurance, which pays while an employee bonds with a new child or cares for a family member. Employers can use the state plan or an approved private plan.
What are NY DBL and PFL?
DBL is the New York Disability Benefits Law, which requires employers to provide short term disability coverage. PFL is New York Paid Family Leave. Most employers carry both on one policy, through a private carrier or the State Insurance Fund.
What does PFML mean?
PFML stands for paid family and medical leave. Massachusetts, Colorado, Connecticut, Washington, Delaware, Maine, and Minnesota use that name or a close version of it. Oregon calls its program PFMLI and Maryland calls its program FAMLI.
Which states allow a private plan instead of the state plan?
Most states with a program allow one, including New Jersey, New York, California, Colorado, Connecticut, Delaware, Maine, Massachusetts, Minnesota, Oregon, and Washington. Rhode Island and Washington, D.C. do not.
Do I have to offer disability and family leave coverage?
In New Jersey and New York, with few exceptions, employers must take part, either through the state plan or an approved private plan.
Can I use a private plan instead of the state plan?
Yes. In both states a private plan is allowed. In New Jersey a private plan must be approved by the state and must provide at least the state benefits.
Who pays for the coverage?
In New Jersey, state Family Leave Insurance is funded by employee payroll deductions, while Temporary Disability is funded by employers and employees. In New York, Paid Family Leave is funded by employee payroll deductions and disability benefits are employer funded, with a limited employee contribution allowed.
What about employees in other states?
Several other states have their own paid leave programs and many allow private plans. Tell us where your employees work and we will check the rules for each state.
Not sure which plan fits your team?
Send us your headcount and states. We will show you the options.
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Landsman Insurance Services, LLC
Any person who, knowingly or with intent to defraud or to facilitate a fraud against any insurance company or other person, submits an application or files a claim for insurance containing false, deceptive or misleading information may be guilty of insurance fraud.
Notice to Alabama Applicants
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit, or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution or confinement in prison, or any combination thereof.
Notice to Arkansas, Louisiana and New Mexico Applicants
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit, or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
Notice to Colorado Applicants
It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an Insurance Company for the purpose of defrauding or attempting to defraud the Company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any Insurance Company or agent of an Insurance Company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.
Notice to District of Columbia Applicants
Warning: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.
Notice to Florida Applicants
Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete or misleading information is guilty of a felony in the third degree.
Notice to Kansas Applicants
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Notice to Kentucky Applicants
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Notice to Maine, Tennessee, Virginia and Washington Applicants
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Notice to Maryland Applicants
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Notice to New Jersey Applicants
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Notice to New York Applicants
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Notice to Ohio Applicants
Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.
Notice to Oklahoma Applicants
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Notice to Oregon Applicants
Any person who, knowingly and with intent to defraud or facilitate a fraud against any insurance company or other person, submits an application, or files a claim for insurance containing any false, deceptive, or misleading material information may be guilty of insurance fraud.
Notice to Pennsylvania Applicants
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Landsman Insurance Services, LLC Effective date: May 22, 2025
1. Introduction
Landsman Insurance Services, LLC ("Company," "we," "our," or "us") is committed to protecting your privacy and keeping your personal information secure. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our agency, including through our website, services, and communications.
2. Information we collect
We collect personal information necessary to provide insurance products and services. This may include, but is not limited to:
Name, address, phone number, and email address
Date of birth, Social Security number, and government issued identification numbers
Insurance policy details, claims history, and payment information
Health information when required for underwriting or claims purposes
Employment and financial information when necessary for certain coverage types
3. How we use your information
We use your information for purposes including:
Processing insurance applications and providing quotes
Underwriting, issuing, and servicing policies
Processing claims and benefits
Complying with legal and regulatory requirements
Communicating with you about policies, updates, and offers
Preventing fraud and unauthorized transactions
4. Information sharing and disclosure
We do not sell or rent your personal information. We may share your information with:
Insurance carriers, brokers, reinsurers, and third party administrators to facilitate policy issuance and claims processing
Service providers who assist in business operations, such as IT, payment processing, marketing, and compliance
Legal and regulatory authorities when required by law
Other third parties with your consent or as necessary to protect our rights and assets
Mobile information will not be shared, sold, or conveyed to third parties for marketing or promotional purposes.
5. Data security
We use reasonable security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include encryption, secure servers, and access controls. However, no security system is entirely foolproof, and we cannot guarantee absolute security.
6. Retention of information
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve disputes.
7. Your privacy rights
Depending on your location, you may have rights regarding your personal information, including:
Accessing the data we hold about you
Requesting corrections or updates to inaccurate information
Requesting deletion of your data, subject to legal or contractual obligations
Opting out of marketing communications
To exercise these rights, please contact us using the information below. Residents of California, Connecticut, and Virginia can also see Do Not Sell My Personal Information.
8. Third party links
Our website may contain links to third party sites, including quote and enrollment tools operated by insurers and administrators. We are not responsible for the privacy practices of these sites and encourage you to review their policies before providing personal information.
9. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. Changes will be posted on our website with the updated effective date. We encourage you to review this policy periodically.
10. Contact us
If you have any questions about this Privacy Policy or your personal information, please contact us at:
