Dedicated to New York Employers Since 1997
The Cardinal Disability Trust was established to provide New York employers with a cost-effective alternative for statutory Disability Benefits Law (DBL) and Paid Family Leave (PFL) coverage.
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.
Today, the Trust serves businesses across a wide range of industries throughout New York State, helping employers meet their statutory obligations while supporting employees during times of disability and family leave.
Our Mission
To provide New York employers with dependable statutory benefit coverage, exceptional claims administration, and long-term value through responsible management and member-focused service.
Our Values
Integrity
We conduct business with transparency, professionalism, and accountability.
Service
We strive to deliver responsive support to employers, brokers, and claimants.
Stability
We maintain prudent financial practices that support the long-term strength of the Trust.
Partnership
We view our members and brokers as partners in achieving mutual success.
Third Party Administrator
Claims Managed by Glacier Bay TPA LLC
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. Glacier Bay TPA provides efficient claims handling, attentive customer service, and knowledgeable regulatory support to ensure members receive timely and professional assistance.
