How New York PFL & DBL works out your benefit
New York uses your recent pay rather than an old quarter. Your average weekly wage is the average of your last eight weeks of pay before the leave, bonuses and commissions included; the insurer has to use whichever is higher — the eight weeks including the week your leave started, or the eight weeks before it.
Paid Family Leave pays 67% of that average but no more than 67% of the New York State average weekly wage: $1,833.63 for leave beginning in 2026 (a $1,228.53 cap) and $1,922.25 for 2027 (a $1,287.91 cap). The rate in force on the first day of your leave applies to the whole leave. The floor is $100 a week, or your full wage if you earn less than that.
Disability benefits (DBL) are a separate and much older program that employers insure. They pay half your average weekly wage, at most $170 a week, after a 7-day unpaid waiting period, for up to 26 weeks in any 52. The $170 cap is written into Workers’ Compensation Law §204; a bill to raise it passed the state Senate in June 2026 but was still in Assembly committee when we checked, so the old cap still governs.
New York figures by date
| Window | Weekly maximum | Other figures | Your contribution |
|---|---|---|---|
| Jan 1, 2026 – Dec 31, 2026 | $170 | State average weekly wage: $1,833.63 | PFL: 0.432% (max $411.91/yr); DBL (if your employer passes it on): 0.5% (max $31.20/yr) |
| Jan 1, 2027 – Dec 31, 2027 | $170 | State average weekly wage: $1,922.25 | PFL: 0.452% (max $451.81/yr); DBL (if your employer passes it on): 0.5% (max $31.20/yr) |
After the last window, the calculator switches to an explicit “enter the official figure” mode rather than reusing an old maximum.
Worked example
Take a worker paid $1,500 a week with steady pay, taking 12 weeks off (bonding with a new child) from Oct 5, 2026, when the figures for Jan 1, 2026 – Dec 31, 2026 apply. New York PFL & DBL uses the average of the last 8 weeks of pay: $1,500.
The formula gives 67% × $1,500 = $1,005: a weekly benefit of $1,005, or 67% of their usual weekly pay. 12 paid weeks come to $12,060.
Over a year, their own payroll contribution is $368.16 — about $7.08 a week.
At $200,000 a year, the same leave pays $1,228.53 a week — the maximum, 32% of that worker’s weekly pay, for a yearly contribution of $443.11.
What catches people out in New York
- Birth parents usually use both. DBL covers pregnancy and recovery; PFL then covers bonding. Together they cannot exceed 26 weeks in a 52-week period.
- Your claim goes to an insurance carrier, not the state. Employers buy PFL and DBL coverage (or self-insure), so you file with the carrier your employer names.
- The premium rises in 2027. PFL costs 0.432% of pay up to $411.91 in 2026, and 0.452% up to $451.81 in 2027. DBL can cost you up to 0.5% of wages, never more than 60 cents a week.
- Eligibility depends on tenure, not earnings. 26 consecutive weeks working 20+ hours a week, or 175 days if you work part-time.
- Partial weeks are paid by the day at one-fifth of your weekly benefit, so intermittent leave adds up differently from the full weeks shown here.
Official New York resources
Related programs
Neighboring states — useful if you live in one and work in another.
Sources for this page
- New York State Paid Family Leave: 2026 Paid Family Leave updates. Supplies: 2026 NYS average weekly wage $1,833.63; maximum weekly benefit $1,228.53. Checked .
- New York State Paid Family Leave: 2027 Paid Family Leave updates. Supplies: 2027 NYS average weekly wage $1,922.25; maximum weekly benefit $1,287.91. Checked .
- NY Department of Financial Services: Paid Family Leave premium rate decision for 2026. Supplies: 2026 employee contribution 0.432%, annual maximum $411.91. Checked .
- NY Department of Financial Services: Paid Family Leave premium rate decision for 2027 (Aug. 31, 2026). Supplies: 2027 employee contribution 0.452%, annual maximum $451.81. Checked .
- New York State Senate: Workers’ Compensation Law §204 (benefit amounts). Supplies: PFL 67% of AWW capped at 67% of the state AWW, $100 minimum; DBL 50% of AWW capped at $170; full wage if AWW under $20. Checked .
- NY Workers’ Compensation Board: Disability benefits: what are they?. Supplies: DBL based on last 8 weeks; 7-day waiting period; 26 weeks in 52. Checked .
- New York State Senate: Workers’ Compensation Law §209 (employee contributions). Supplies: DBL employee contribution 0.5% of wages, no more than 60 cents a week. Checked .
- New York State Paid Family Leave: Paid Family Leave benefits calculator (2027). Supplies: Average weekly wage = average of last eight weeks of pay, using the higher of two eight-week windows. Checked .
- New York State Paid Family Leave: Eligibility. Supplies: 26 consecutive weeks (20+ hours) or 175 days of work. Checked .
Figures on this page verified . Spotted a difference from your agency’s notice? Report a correction.