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Insurance and Disability Benefits: New Jersey

Insurance and Disability Benefits requirements for other states

Federal law and guidance on this subject should be reviewed together with this section.

Author: Gloria Ju

Summary

  • New Jersey employers are not required to provide life insurance benefits. If life insurance benefits are provided, certain requirements must be met. See Group Life Insurance.
  • If a New Jersey employer offers group life insurance, premiums for the policies may be paid from different sources. See Employer Contribution and Coverage Requirements.
  • Employees are entitled to a minimum grace period for paying premiums, except the first. See Grace Period.
  • Group life insurance policies may be converted to individual policies under some circumstances. See Conversion Rights.
  • Group life insurance may continue for a limited time during an employee's total disability. See Continuation of Coverage.
  • New Jersey provides up to 26 weeks of temporary disability benefits (TDB) to an employee who sustains a nonwork-related sickness or injury, including mental disability, alcohol-related disability and pregnancy-related disability, which results in the individual's inability to perform the duties of his or her regular job. See Temporary Disability Benefits.
  • The TDB program also includes family leave insurance (FLI), which enables eligible employees to receive up to six weeks of monetary benefits when out of work to bond with a newborn child or a newly adopted child or to care for an ill family member. See Family Leave Insurance.