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New Jersey State Mandated Temporary Disability Insurance
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Under the New Jersey Temporary Disability Benefits Law, cash benefits
are payable when you cannot work because of sickness or injury not caused by your job. The disability must exceed 7 days. |
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New Jersey employers may satisfy this state mandate to make short
term disability insurance coverage available to their employees in one of two ways: |
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1. Use an insurance company to provide the
disability insurance coverage to their employees |
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2. Establish a "Private", self-insured disability
benefits law plan |
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If an employer chooses to have their employees
participate in an insured plan, the insured plan must offer at least the minimum benefits dictated by the New Jersey Temporary Disability Benefits Law. Employees must pay the required contributions to the plan (unless the employer assumes that obligation) and also pay any additional insurance premium that may be required by the insurance company to pay for incurred claims expenses or insurance company administration costs. |
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Wage Requirements
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In order to have a valid claim for disability, you must
have had at least 20 calendar weeks in covered New Jersey employment in which you earned $103 or more, or have earned $5,200 or more in such employment during the "Base Year" period. |
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The "Base Year" is the 52 weeks immediately before
the week in which your disability began. Only covered wages earned during the base year period can be used in determining your claim. |
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Self-Insured Private Disability Benefits Law Plan
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1. The employer plan must offer benefits at least equal
to the New Jersey state mandated temporary disability benefits law.
2. The employer can charge the employees the same
or less than the state mandated disability benefits law mandated contribution level. Employees can not be charged more unless there have been improvements in coverage.
3. The employer must agree to cover the balance of
the state mandated disability benefits law level of plan costs that are in excess of employee contributions.
4. The employer must agree to provide a guarantee
bond, if required by the state.
5. The employer must agree to pay all obligations,
including benefits, fines, expenses, and assessments imposed pursuant to the state mandated temporary disability benefits law. |
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6. The employer plan may be insured by the employer, by an
insurance company, or a union welfare fund. |
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7. The employer plan must provide coverage for those
employees who become disabled while employed or within two weeks of their last day in covered employment. |
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Click on the link below to fill out a secure quote request form
for a New Jersey state mandated disability insurance plan that regardless of whether you're a large employer or a small business, will provide the required disability insurance coverage for your businesses most important asset...your employees. Or you can speak with our New Jersey Disability Insurance specialist toll free at 1-800-501-6199 to discuss the policy features in more detail. |
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We are a greater Philadelphia, PA area insurance services
agency, offering NJ mandated temporary disability insurance coverage options to businesses in the following New Jersey cities, towns, and counties: Deptford, Camden, Cherry Hill, Blackwood, Collingswood, Runnemede, Woodbury Heights, Pennsauken, Palmyra, Cinnaminson, Delran, Riverside, Edgewater Park, Burlington, Riverton, Delanco, Beverly, Bridgeboro, Woodlynne, Oaklyn, Gloucester City, Brooklawn, Mt. Ephraim, Westville Grove, Colonial Manor, Red Bank, National Park, Thorofare, Gibbstown, Bridgeport, Penns Grove, Almonesson, Fairview, Grenloch, Hurffville, Turnersville, Erial, Pine Hill, West Berlin, Clementon, Barrington, Kirkwood, Maple Shade, Mt. Laurel, Pitman, Sewell, Mantua, Centre City, Magnolia, Somerdale, Berlin, Richwood, Mt. Royal, Glassboro, Ewan, Wenonah, Audubon, Haddonville, Merchentville, Willingboro, Woodbury, Clarksboro, Mickleton, Repaupo, Paulsboro, Williamstown, Sharptown, Ferrell, Auburn, Yorktown, Pedricktown, Pennsville, Vineland, Millville, Gloucester County, Burlington County, Salem County, and Camden County, NJ. We also offer affordable New Jersey mandated disability insurance coverage services throughout the remainder of the Garden State. |
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Employee Benefits
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Sunrise Retirement Solutions and
Insurance Planning Services, LLC
Copyright 2005 - 2010 All rights reserved
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Personal Insurance
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NJ Mandated
Disability Insurance
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Sunrise Retirement Solutions
& Insurance Planning Services
1893 Southside Ave., Suite 1A
Deptford, New Jersey 08096
Gloucester County, NJ
(856) 401-3000
Toll Free: 1-800-501-6199
Fax: (856) 401-3100
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Answer a few questions
and we will provide you with an insurance quote by phone or email. Choose the New Jersey or Pennsylvania business or personal insurance coverage you're interested in from the menu above. |
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Your Philadelphia Area Employee Benefits Specialist
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