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6 October 2021

NJ Temporary Disability 2022 Contribution Rates Released

2022 Maximum Employee Contribution Rate and Taxable Wage Bases for Employees and Employers

NJ Temporary Disability 2022 Contribution Rates Released

NJ state released a rather surprising, significant rate decrease for both state-required coverages – Temporary Disability (TDI) and Family Leave Insurance (FLI). Brokers, employers, and insurers alike, will have to assess and determine how this impacts them and the New Jersey statutory market. The contribution percentage will drop to 0.14% from 0.47% for TDI and to 0.14% from 0.28% for FLI respectively based on the 2022 rate and taxable wage data released by the NJ Department of Labor and Workforce Development (LWD) on October 5, 2021.

With that, the 2022 maximum employee contribution for NJ Temporary Disability Insurance (TDI) will be $212.66 per year.

The updated taxable wage base for employers will be set at $39,800 for 2022. While both the employer and employee contribute to Temporary Disability Insurance, for Family Leave Insurance, only the employee contributes to the program.

Temporary Disability Insurance 20221 contribution rate

As a private plan, ShelterPoint provides a total rate for its Temporary Disability Insurance contributory plans, comprised of the employee contribution rate and employer contribution rate. To determine the employer rate for a ShelterPoint TDI plan, simply subtract the state-announced employee contribution rate from ShelterPoint’s total rate. 

Also effective January 2022, Temporary Disability Insurance benefits provide 85% of the covered employee’s average weekly wage, capped at $993/week (70% of the state average weekly wage) for a maximum duration of 26 weeks in most cases.  Read more about Temporary Disability Insurance here.

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This blog post is for informational purposes only and is not intended to provide legal counsel.

The information in this post is not intended as an offer of coverage (“Invitation to Contract”). It is for illustrative purposes only, providing a general overview of the services descred. It is not a contract. Available in NJ only.  ShelterPoint Life provides Temporary Disability Insurance private plans and does not provide Family Leave Insurance private plans.  The Temporary Disability Benefits (TDB) Law (Temporary Disability Benefits law (P.L.1948, c.110 (C:43-21-25 et seq.) governs this private plan and its interpretation and administration. All coverage extends up to TDB Law limits reflected in this policy. Please refer to the policy and TDB law for coverage details, a complete listing of covered services, provisions, conditions, exclusions, and terms under which the policy may be continued or cancelled. In the event of conflicting information with the policy and applicable TDB Law, the policy and TDB Law will take precedence over what is shown in this material.  Claim payment is not guaranteed; benefit amount depends on wages. Policies have a statutory 7-day waiting period.

Underwritten by: ShelterPoint Life Insurance Company (principal office in Garden City, NY) in: NJ (form# TDB-P-NJ)

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