25 April 2017 In Blog


There are very few changes a company can make to its benefits program that can achieve cost savings with absolutely no downside to the employees or the company. Changing the administration of your company’s temporary disability benefits (TDB) program is one of them.

In New Jersey, all employers must provide TDB to their eligible employees. These benefits must cover two-thirds of an employee’s pay, up to a weekly maximum of $633 ($615 in 2016). What many employers do not realize is that these state-mandated benefits can be administered by a private plan through an insurance carrier rather than by the state plan through the state of New Jersey. Private plans must be at least as liberal in benefit amounts, eligibility requirements and duration of payments as the state plan.

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