New Jersey TDB (Temporary Disability Benefits) Coverage

Since 1948, the State of New Jersey has required employers, with few exceptions, to provide their employees with Short Term Disability Benefits (TDB).   The Maximum Weekly Benefit, Annual Taxable Wage Base and Employee Contribution Rate all change annually on January 1^st based on Statewide Averages.  Most Employers have coverage through the New Jersey State Fund since they are automatically enrolled in the NJ State Fund upon completion of their registration as an Employer.

*Maximum Weekly Benefit	85% of average weekly wage, maximum of $903 per week
Maximum Taxable Wage (TW) Base	$36,200 (Employer) & $138,200 (Employee)
Maximum Employee Contribution	$.47/$100 of TW
Employer Contribution	Between .10/$100 of TW – .75/$100 of TW
State Assessment Fee to Employer	Subject to annual adjustment
Maximum Duration of Benefits	26 Weeks
Benefit Waiting Period	Benefits begin on the 8th Day of Disability for both Accident and Sickness

*Enriched benefits options available

• Employers and Employees contribute toward the cost of the NJ TDB
• Employee contributions are made through payroll deduction
• Employers are also responsible for paying the NJ TDB Assessment Surcharge which is an additional factor of annual taxable wages, the factor charged also changes annually.

Allow the experts at Reuben Warner Associates to illustrate the advantages of privatizing NJ TDB coverage.  Our markets generally look for groups with at least 20 employees working in NJ, including both Full Time and Part Time.

The state past legislation on January 31st 2019 that employee consent is no longer required for plans that withhold employee contributions. Employees subject to collective bargaining agreement may still be required to give consent.

The experts at Reuben Warner Associates have an enrollment team ready and available to assist our brokers in achieving this requirement.

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