New York State Disability InsuranceNew York Disability Benefits (DBL) is a state disability insurance program designed to provide employees with some level of income replacement in case of disability caused off-the-job.  ALL employers are required to carry DBL coverage for its employees, if a company employs at least one person besides the proprietor within the state of New York. Full-time employees are eligible for coverage after four consecutive weeks of work, and part-time employees are eligible after their twenty-fifth day of employment.