New York Employers
Statutory Disability & Paid Family Leave Coverage Designed for New York Employers
The Cardinal Disability Trust provides New York employers with statutory DBL and PFL coverage through a self-insurance group structure. Our mission is simple: deliver dependable coverage, exceptional service, and long-term value to our members.
Coverage at a Glance
DBL Coverage
Disability Benefits Law compliance through self-insurance group structure.
PFL Coverage
Paid Family Leave benefits meeting all New York State requirements.
Flexible Billing
Billing options designed to fit your organization’s cash flow.
Member Service
Direct access to experienced professionals — not a call center.
Member-Focused Service
We Are Here to Help
Unlike large national carriers, we focus on personalized service and direct access to experienced professionals. Cardinal Disability Trust’s claims and administrative services are managed by Glacier Bay TPA LLC — an experienced, licensed third-party administrator specializing in DBL & PFL benefits.
- Efficient claims handling
- Attentive customer service
- Knowledgeable regulatory support
- Timely and professional assistance
Why Choose Us
Built for New York Employers.
Not Outside Shareholders.
As a member-based self-insurance trust, we are focused on serving the needs of employers rather than outside shareholders. This structure allows us to prioritize long-term stability, responsive service, and financial stewardship for the benefit of our members.
- Competitive rates through efficient group structure
- Flexible billing & payment in arrears available
- Serving NY businesses across all industries
- Dedicated to members since 1997
Why Employers Choose Cardinal Disability Trust
Five Reasons to Choose Cardinal
Competitive Rates
The structure of the Trust is designed to operate efficiently, helping members obtain affordable statutory benefit coverage.
Flexible Billing Options
Choose from billing options designed to fit your organization’s cash flow and administrative preferences.
Payment in Arrears Available
Qualified members may benefit from payment structures that better align costs with actual payroll periods.
Member-Focused Service
Unlike large national carriers, we focus on personalized service and direct access to experienced professionals.
Claims Expertise
Our experienced claims team understands NY statutory disability and PFL requirements and ensures timely, accurate claim handling.
Industries We Serve
Professional services, healthcare, manufacturing, construction, restaurants, retail, hospitality, non-profits, and more.
How It Works
From Application to Coverage in Three Steps
01
Request a Quote
Tell us about your organization — number of employees, payroll, and coverage needs. We’ll prepare a competitive DBL and PFL proposal.
02
Join the Trust
Complete your membership application. Our team guides you through enrollment and answers any compliance questions along the way.
03
Stay Covered
Your employees are covered. Our claims team handles filings promptly, and billing is structured to fit your payroll schedule.