伤残保险 （不在工作期间生病与受伤）

纽约是少数几个要求雇主为员工提供残疾福利保险以解决他们不在工作期间发生的工伤或疾病的州之一。“伤残福利法”（WCL第9条）规定每周提供现金福利，以部分取代因工作期间或工作期间未产生的伤害或疾病而损失的工资（WCL§204）。如果您在有资格或正在领取失业救济金时受伤或残疾，如果您的伤害或残疾导致您没有资格领取失业救济金，您就有资格领取残疾福利金。

New York is one of a handful of states that require employers to provide disability benefits coverage to employees for an off-the-job injury or illness. The Disability Benefits Law (Article 9 of the WCL) provides weekly cash benefits to replace, in part, wages lost due to injuries or illnesses that do not arise out of or in the course of employment (WCL §204). If you get injured or become disabled while you are eligible for or are collecting unemployment benefits, you are eligible for disability benefits if your injury or disablement results in you being ineligible for unemployment benefits.

Disability benefits are covered through your employers disability benefits insurance carrier or your employer may be self-insured.