{"id":2856,"date":"2013-10-07T13:47:03","date_gmt":"2013-10-07T17:47:03","guid":{"rendered":"http:\/\/108.166.11.61\/business\/?page_id=73"},"modified":"2026-05-07T17:23:18","modified_gmt":"2026-05-07T21:23:18","slug":"nys-workers-compensation","status":"publish","type":"page","link":"https:\/\/gtm.com\/business\/what-we-offer\/insurance\/nys-workers-compensation\/","title":{"rendered":"Workers&#8217; Compensation and Disability Insurance"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_pb_fullwidth_section et_section_regular et_block_section\"><div class=\"et_pb_fullwidth_image_0 et_pb_fullwidth_image et_pb_module\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/Business-Hero-3.jpg\" width=\"2048\" height=\"341\" srcset=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/Business-Hero-3.jpg 2048w, https:\/\/gtm.com\/business\/wp-content\/uploads\/Business-Hero-3-300x50.jpg 300w, https:\/\/gtm.com\/business\/wp-content\/uploads\/Business-Hero-3-1024x171.jpg 1024w, https:\/\/gtm.com\/business\/wp-content\/uploads\/Business-Hero-3-1080x180.jpg 1080w\" sizes=\"(max-width: 2048px) 100vw, 2048px\" class=\"wp-image-2944\" alt=\"Business-Hero-3\" \/><\/div><\/div><div class=\"et_pb_section_1 et_pb_section et_pb_fullwidth_section et_section_regular et_block_section\"><div class=\"et_pb_fullwidth_post_title_0 et_pb_post_title et_pb_image_below et_pb_bg_layout_light et_pb_module\"><div class=\"et_pb_title_container\"><h1 class=\"entry-title\">Workers\u2019 Compensation and Disability Insurance<\/h1><\/div><\/div><\/div><div class=\"et_pb_section_2 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_0 et_pb_row et_pb_row_3-4_1-4 et_block_row et_block_row_3-4_1-4\"><div class=\"et_pb_column_0 et_pb_column et_pb_column_3_4 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><p>GTM Payroll Services offers New York State workers' compensation insurance, paid family leave, and disability insurance for our clients\u2019 convenience. Our affiliate company, GTM Insurance Agency\u200b*, is a licensed broker in property and casualty insurance and brokers workers' compensation insurance through multiple insurance carriers.<\/p>\n<ul>\n<li>Workers\u2019 compensation insurance is mandatory for most New York State employers of one or more employees.<\/li>\n<li>As a broker, GTM Payroll Services works on your behalf to shop quotes from various carriers to provide you with the most competitive and pre-qualified options.<\/li>\n<li>Workers' compensation rates are set by individual states, however from time to time the rate can be less expensive based on discounts and payment history.<\/li>\n<li>Based on the client's need for safety counseling or claim processing, the service relationship can be further developed.<\/li>\n<\/ul>\n<p>Workers\u2019 compensation will cover necessary medical bills and a portion of your employee\u2019s wages should they become injured or ill on the job, as a result of a work-related incident. By hiring GTM Payroll Services as your workers\u2019 compensation broker, we will deliver coverage that offers numerous benefits, often not available with other brokers, which include:<\/p>\n<ul>\n<li>A Pay-As-You-Go (PAYGO) feature where\u00a0your premiums\u00a0will be processed and paid in real time, based on your actual payroll and payroll period.\u00a0PAYGO will also\u00a0simplify your cash flow and you'll avoid premium\u00a0surprises.<\/li>\n<li>Workers' compensation audit services to save our clients time when an auditor or other agent performs annual payroll reviews<\/li>\n<li>The ability to receive quotes from various carriers<\/li>\n<li>Personal service and a knowledgeable from a New York State-licensed team.<\/li>\n<li>Our workers' compensation report to save you time at your auditor\u2019s annual review of payroll with all employees classified in the correct department with their audit period earnings<\/li>\n<\/ul>\n<p>Most importantly, GTM Payroll Services will make every effort to ensure you, as an insurance client, are in compliance with state law.<\/p>\n<h3>Paid Family Leave<\/h3>\n<p>Most private employers in New York State with one or more employees are required to obtain Paid Family Leave (PFL) insurance. PFL coverage will typically be added as a rider on your existing disability insurance policy.<\/p>\n<p>PFL provides eligible employees job-protected, paid time off to bond with a newly born, adopted or fostered child; care for a family member with a serious health condition; or assist\u00a0loved ones when a spouse, domestic partner, child or parent is deployed abroad on active military service.<\/p>\n<p>Employees pay for these benefits through a small payroll deduction, which is a percentage of their\u00a0wages up to a cap set annually. \u00a0Employers may choose to cover the cost themselves.<\/p>\n<p>GTM Payroll Services can add PFL to your disability insurance policy and manage your employees' payroll deductions.<\/p>\n<h3>Disability<\/h3>\n<p>Disability is a special section of the New York State workers' compensation law, protecting workers from non-occupational injury or sickness by providing some compensation for lost wages. All employers in New York State who employ one or more employees on each of 30 days in a calendar year becomes a covered employer and must provide this coverage effective at the end of four consecutive weeks following the 30th day of employment until four weeks after termination. This is a benefit that protects workers 24 hours a day, seven days a week, for non-work related accident or illness, including pregnancy.<\/p>\n<p><a title=\"Contact Us\" href=\"\/business\/contact-gtm\/\">Contact us<\/a> about our Enhanced Disability plans.<\/p>\n<p>Get\u00a0a\u00a0<a href=\"\/business\/what-we-offer\/insurance\/free-insurance-quote\/\">free workers' compensation and disability insurance quote<\/a> or\u00a0<a href=\"https:\/\/www.surveymonkey.com\/r\/insurancecert\" target=\"_blank\" rel=\"noopener\">request a Certificate of Insurance<\/a>.<\/p>\n<p>You can also <a href=\"mailto:questions@gtm.com\"><span style=\"text-decoration: underline;\">email us<\/span><\/a> or call (518) 373-4111.<\/p>\n<p>*GTM Insurance Agency is a licensed broker in AZ, CA, CO, CT, DC, DE, FL, GA, IL, KS, LA, MA, MD, ME, MI, MN, MS, NC, NH, NJ, NY, PA, SC, TX, UT, VA, VT, WI, WV.<\/p>\n<\/div><\/div><\/div><div class=\"et_pb_column_1 et_pb_column et_pb_column_1_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--module--divi-text--default\"><div class=\"et_pb_text_inner\"><h5>Free Download: Your Complete Business Solution<\/h5>\n<p><a href=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/2024\/06\/ASO-Brochure.pdf\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-15721 \" src=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/2024\/06\/ASO-Brochure-230x300.jpg\" alt=\"ASO brochure\" width=\"159\" height=\"207\" srcset=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/2024\/06\/ASO-Brochure-230x300.jpg 230w, https:\/\/gtm.com\/business\/wp-content\/uploads\/2024\/06\/ASO-Brochure.jpg 431w\" sizes=\"(max-width: 159px) 100vw, 159px\" \/><\/a><\/p>\n<h5>Need Help?<\/h5>\n<div><a href=\"tel:\/\/1-518-373-4111\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone\" style=\"vertical-align: middle;\" src=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/phone-icon-2.png\" alt=\"phone-icon-2\" width=\"40\" height=\"40\" \/><\/a><span style=\"font-size: 0.9em;\">\u2003Call 518-373-4111<\/span><\/div>\n<div><a href=\"mailto:questions@gtm.com\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone\" style=\"vertical-align: middle;\" src=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/inquiry-icon-2.png\" alt=\"inquiry-icon-2\" width=\"40\" height=\"40\" \/><\/a><span style=\"font-size: 0.9em;\"><a href=\"mailto:questions@gtm.com\" target=\"_blank\" rel=\"noopener noreferrer\">\u2003Email Us<\/a><\/span><\/div>\n<p>&nbsp;<\/p>\n<h5>Refer a business and earn rewards<\/h5>\n<p><a href=\"\/business\/referral-rewards\/\">Learn more<\/a><\/p>\n<h5>\u00a0<\/h5>\n<h5>Free Download: The Complete Guide to Small Business Payroll<\/h5>\n<p><a href=\"https:\/\/gtm.com\/business\/complete-guide-to-small-business-payroll\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4820\" src=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/2021\/10\/Pages-from-The-Complete-Guide-to-Small-Business-Payroll-FINAL-scaled.jpg\" alt=\"Complete Guide to Small Business Payroll\" width=\"209\" height=\"162\" \/><\/a><\/p>\n<h5>\u00a0<\/h5>\n<h5>Stay up to date with our newsletter<\/h5>\n<p><a href=\"https:\/\/gtm.com\/subscriptions\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2939 size-full\" src=\"https:\/\/gtm.com\/business\/wp-content\/uploads\/newsletter-sub.png\" alt=\"newsletter-sub\" width=\"129\" height=\"129\" \/><\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":46,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"folder":[],"class_list":["post-2856","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/pages\/2856","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/comments?post=2856"}],"version-history":[{"count":6,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/pages\/2856\/revisions"}],"predecessor-version":[{"id":18495,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/pages\/2856\/revisions\/18495"}],"up":[{"embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/pages\/46"}],"wp:attachment":[{"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/media?parent=2856"}],"wp:term":[{"taxonomy":"folder","embeddable":true,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/folder?post=2856"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}