Understanding Temporary Disability Benefits In New Jersey

Posted by EZTDB on October 4th, 2019

Temporary Disability Insurance assures the cash benefits to New Jersey employees facing any illness, injury, or other disability preventing them from working. According to the government, it is mandatory for employers in New Jersey to have a Temporary Disability Insurance for their employees.

An employer can either choose an insurance plan offered by the state or can go for a private insurance company. You need to ask your employer which insurance coverage you are falling under and act accordingly. If you fall under the state insurance plan, then you must apply online through the correspondent system. If your insurance is covered by a private insurance agency, then your employer will guide you in filing a claim for temporary disability benefits in New Jersey. It is necessary to get an NJ TDB plan for your employers, but the insurance is not so straightforward, so you need to know about the important factors and aspects of the insurance before you buy any plans.

Who Qualify For Insurance Benefits?

To successfully apply with a valid application and claim Temporary Disability Insurance one must -

1. Be contributing to the insurance plan through his/her employment

2. Be meeting the minimum gross earning requirement of the plan

Private Plan Insurance

According to the rules stated by the New Jersey Department of Labor, employers are allowed to offer private programs to their employees. The private Temporary Disability insurance plans meet or exceed the statutory plan benefits.

If you fall under a private plan, then your employer's insurance company will be responsible for paying the benefits on your disability claim. Your employer will provide you the application form and will guide you through the process. Filing a statutory insurance claim under a private insurance coverage may lead to form declination or delay in the process. Any affected worker must verify the coverage types and plans with their employer prior to filing a claim.

If you are still confused about the temporary disability benefits in NJ, then you must consult a professional agency to help you in making the right decision. With the guidance and instruction of an agent, you will be able to make better decisions. The hired agency will explain to you about state plan and private along with the difference between them.  

Author’s Bio- The writer is an online blogger and the article is about the temporary disability benefits in New Jersey.