4 Things to Know About Temporary Disability Insurance in NJ

Posted by EZTDB on December 12th, 2019

All of us will agree that we do not know when we have to deal with a medical emergency while we work. Even though we can do little to prevent what is uncertain, but we can surely do something about the way you deal with them. To prepare for a situation like this, you need to know about the temporary disability benefits and insurance offered in the state of New Jersey. This will help you make an informed decision in the place.

Here are some of the things you should know when you are planning to seek an NJ TDB plan:

1. Eligibility Criteria

Before you seek an NJ TDB plan, you should know about the eligibility criteria for those methods.  As per the standards, any working individual who either contributes to a temporary disability insurance state plan or a private plan is eligible for these benefits. In case an individual is seeking a private plan for temporary disability insurance, they should seek the approval of the employer before proceeding for the further application process.

2. Location requirements

One of the most common concerns that individuals have is about their location when they seek temporary disability insurance. Since there are multiple instances when an individual works in NJ but lives in a different location. According to the location requirements, as long as you are working in New Jersey, you can seek the benefits of temporary disability insurance. You do not need to live in NJ to get those benefits.

3. The time limit of application

When seeking disability insurance, you should know the time limit by which you should file your application. As far as the rules are concerned, you need to file your application for temporary disability insurance within 30 days of your first day of disability. In case you are not able to submit your application within 30 days of writing, you should provide a valid reason for the delay. In some cases, there are additional charges for the late application fee.

4. Application process

Last but not least, you should know about the application process that you need to follow to get the insurance. Well, you have two options to know about your application process. First is by getting a state plan or disability insurance and second is by opting for a private insurance provider. In the former, you need to file your application online and in the latter, you will have a private insurance provider follow the entire process for you.

If you wish to seek an NJ TDI private plan, you should visit the websites of various private insurance agencies on the web.

Author’s Bio- The author is an avid writer. This article is about NJ TDB.