New Jersey Temporary Disability Benefits
Arch Insurance offers New Jersey employers short-term disability benefits that meet the requirements mandated by the state.
Temporary Disability Plan for New Jersey Employees
New Jersey employers are mandated by the state to provide short-term disability benefits for off-the-job injuries, illnesses, or other medical conditions. This may include:
- Off-the-job accident event (i.e. broken leg in skiing accident).
- Extended illness (i.e. heart attack recovery).
Employers are automatically enrolled into a state plan for this coverage. However, many companies choose to “opt out” of the state plan and work with a private insurance company, like Arch. This can often result in a potential savings for the employer and superior service for employees. For example, even if coverage is already in place though another private carrier, there still could be considerable savings by switching to Arch.
Effective Jan. 1, 2023, benefits are 85% of the average weekly wage to a maximum of $1,205 per week for 26 weeks after the seven-day waiting period. Enrichment options are also available.
On average, Arch Insurance processes claims in under five days, which is significantly faster than the New Jersey state program, based on a budget analysis from the New Jersey Department of Labor and Workforce Development.
New Jersey TDB Product Sheet
Under the New Jersey Temporary Disability Benefits Law, all covered employers in New Jersey must provide temporary disability coverage to their employees.
Why Go With A Private Plan – New Jersey
Learn more about what makes Arch’s private plan option for New Jersey beneficial over a state-run program.
VP, Accident and Health
Assistant Vice President, Disability Underwriting
Insurance coverage is underwritten by a member company of Arch Insurance Group Inc. This is only a brief description of the insurance coverage(s) available under the policy. The policy contains reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in the policy. If there are any conflicts between this document and the policy, the policy shall govern. Not all coverages are available in all jurisdictions.