DBL- the New York State Disability Benefits Law – is required coverage.  It provides very little in the way of actual benefits (50% of salary up to $170 a week), but it can be enhanced.

The current rates for DBL hover around $2.50 male, $5.10 for female – assuming quarterly billing.  It can be up to 20% cheaper if you do annual billing.

But did you know that you can double your emplyees benefit (into tsomething that might actually help them pay their bills) for only about a 50% increase?  And for double the premium you can triple the benefit.

Something to consider,  as you look to add low-cost benefits that have some visible WOW factor to your employees.