{"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":"2023-02-03T14:07:53","modified_gmt":"2023-02-03T19:07:53","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":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.19.0&#8243; custom_padding_tablet=&#8221;50px|0|50px|0&#8243; custom_padding_phone=&#8221;||10px||false|false&#8221; transparent_background=&#8221;off&#8221; padding_mobile=&#8221;off&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221; global_module=&#8221;3056&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_image src=&#8221;https:\/\/gtm.com\/business\/wp-content\/uploads\/Business-Hero-3.jpg&#8221; admin_label=&#8221;Template Fullwidth Image&#8221; _builder_version=&#8221;4.16&#8243; use_border_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_fullwidth_image][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.19.2&#8243; custom_padding=&#8221;||5px|&#8221; custom_padding_tablet=&#8221;50px|0|50px|0&#8243; custom_padding_phone=&#8221;10px||10px||true|false&#8221; transparent_background=&#8221;off&#8221; padding_mobile=&#8221;off&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221; global_module=&#8221;3434&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_post_title meta=&#8221;off&#8221; featured_image=&#8221;off&#8221; _builder_version=&#8221;4.19.2&#8243; title_text_color=&#8221;#46a510&#8243; title_font_size=&#8221;36px&#8221; background_color=&#8221;rgba(255,255,255,0)&#8221; parallax=&#8221;on&#8221; parallax_method=&#8221;off&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; parallax_effect=&#8221;on&#8221; module_bg_color=&#8221;rgba(255,255,255,0)&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_fullwidth_post_title][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;section&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;5px|||&#8221; custom_padding_tablet=&#8221;50px|0|50px|0&#8243; custom_padding_phone=&#8221;&#8221; transparent_background=&#8221;off&#8221; padding_mobile=&#8221;off&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;3_4,1_4&#8243; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.19.5&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; hover_enabled=&#8221;0&#8243; use_border_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>GTM Payroll Services offers New York State workers&#8217; 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&#8217; 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&#8217; 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&#8217;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&#8217;ll avoid premium\u00a0surprises.<\/li>\n<li>Workers&#8217; 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&#8217; 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&#8217; payroll deductions.<\/p>\n<h3>Disability<\/h3>\n<p>Disability is a special section of the New York State workers&#8217; 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&#8217; 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<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Template sidebar&#8221; _builder_version=&#8221;4.13.0&#8243; text_font=&#8221;||||&#8221; header_font=&#8221;||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; module_alignment=&#8221;left&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; global_module=&#8221;3052&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<\/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<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>GTM Payroll Services offers New York State workers&#8217; 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&#8217; compensation insurance through multiple insurance carriers. Workers\u2019 compensation insurance is mandatory for most New York State employers [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":46,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<p>GTM offers Workers'\u00a0Compensation insurance\u00a0and New York Disability insurance for our clients\u2019 convenience.\u00a0 Our affiliate company, GTM Employment Benefits*, is a licensed broker\u00a0in Property and Casualty Insurance and brokers Workers'\u00a0Compensation insurance\u00a0through multiple insurance\u00a0carriers.<\/p><ul><li>All business clients (in NYS) are required to have Workers'\u00a0Compensation insurance\u00a0when employing an employee.<\/li><li>As a broker, GTM works on your behalf to shop quotes from various carriers to provide you with the most competitive and pre-qualified options.<\/li><li>WC rates are set by the individual states, however from time to time the rate can be less expensive based on discounts and payment history.<\/li><li>Based on the client's need for safety counseling or claim processing, the service relationship can be further developed.<\/li><\/ul><p>Workers\u2019 Compensation will cover necessary medical bills and a portion of your employee\u2019s wages should he\/she become injured or ill as a result of duties. By hiring GTM as your Workers\u2019 Compensation broker, we will deliver coverage that offers\u00a0numerous benefits, often not available with other brokers, which include:<\/p><ul><li>A Pay-As-You-Go feature where GTM will process select client premiums on your behalf based on the carrier selected<\/li><li>Workers'\u00a0Comp Audit Services to save our clients time when an auditor or other agent performs annual payroll reviews<\/li><li>The ability to receive quotes from various carriers<\/li><li>Personal service<\/li><li>Ability to simplify cash flow and avoid premuim\u00a0surprises with our Pay-As-You-Go feature<\/li><li>Our Workers'\u00a0Compensation 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><\/ul><p>Most importantly, GTM will make every effort to ensure you, as an insurance client, are in compliance with state law.<\/p><p>\u00a0<\/p><p><b>[h3a] Disability[\/h3a]<\/b><\/p><p>Disability is a special section of the New York State Workers' Compensation Law, protecting workers from non-occupational injury or sickness. 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><p><a title=\"Contact Us\" href=\"\/business\/contact-us\/\">Contact us<\/a> about our Enhanced Disability plans.<\/p><p>\u00a0<\/p><p>Obtain a\u00a0free Workers' Compensation and Disability Insurance quote:<\/p><p><a class=\"green-button-small\" href=\"\/business\/workers-compensation-quote-request\/\">Get a Quote<\/a><\/p><p>You can also <a href=\"mailto:info@gtm.com\"><span style=\"text-decoration: underline;\">email us<\/span><\/a> or call (518) 373-4111.<\/p><p>\u00a0<\/p><p>*GTM Employment Benefits, LLC 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>","_et_gb_content_width":"","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":5,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/pages\/2856\/revisions"}],"predecessor-version":[{"id":13412,"href":"https:\/\/gtm.com\/business\/wp-json\/wp\/v2\/pages\/2856\/revisions\/13412"}],"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}]}}