New Jersey State Mandated Temporary Disability Insurance
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.
New Jersey employers may satisfy this state mandate to make short
term disability insurance coverage available to their employees in one
of two ways:
1. Use an insurance company to provide the
disability insurance coverage to their employees
2. Establish a "Private", self-insured disability
benefits law plan
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.
Wage Requirements
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.
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.
Self-Insured Private Disability Benefits Law Plan
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.
6. The employer plan may be insured by the employer, by an
insurance company, or a union welfare fund.
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.
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
features.
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.
Employee Benefits
Sunrise Retirement Solutions and
Insurance Planning Services, LLC
Copyright 2005 - 2009 All rights reserved
Personal Insurance
NJ Mandated
Disability Insurance
Sunrise Retirement Solutions
& Insurance Planning Services
188 Fries Mill Road, Unit F-1
Turnersville, New Jersey 08012
Gloucester County, NJ
(856) 875-0999
Toll Free: 1-800-501-6199
Fax: (856) 875-0981
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.
New Jersey Employee Benefit Insurance Services
Your Philadelphia Area Employee Benefits Specialist
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