Insurance and Disability Benefits: New Jersey
Federal law and guidance on this subject should be reviewed together with this section.
Author: Gloria Ju
- 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 employees who sustain a nonwork-related accident or sickness, which results in their inability to perform the duties of their regular jobs. See Temporary Disability Benefits.
- The TDB program also includes paid family leave insurance (FLI). See Paid Family Leave Insurance.