The NJ Department of Labor and Workforce Development (LWD) released 2025 details for Temporary Disability Insurance (TDI), New Jersey’s statutory short-term disability program.
What is the 2025 NJ Temporary Disability Insurance Employee Contribution Rate?
After a 2-year pause, New Jersey is reintroducing the employee contribution for its Temporary Disability Insurance program, beginning in 2025. The employee contribution rate for NJ TDI in 2025 will be set at 0.23%
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TDI
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Employee contribution rate
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0.23%
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TDI Maximum Employee Contribution
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$380.42
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Employer taxable wage base
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$43,300
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Employee taxable wage base
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$165,400
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Announcement for ShelterPoint Policyholders:
ShelterPoint bases TDI premium solely using the employer wage base, regardless of whether the State Plan has an employee contribution rate.
Please note:Even though the State has re-introduced an employee contribution rate for 2025, ShelterPoint bills are based solely upon the employer’s contribution rate and reportable wages. ShelterPoint premium bills will still require you to provide the reportable taxable employee wages at the State’s prevailing employee annual wage maximum so that we can submit your NJ State Assessment Fee on your behalf.
Based upon how your private plan was filed with the State, you may be responsible for collecting employee contributions based on the State’s prevailing employee annual taxable wage maximum.
By the way, NJ Family Leave Insurance (FLI)1 will continue to be fully funded by employees at a 0.3%3 rate for 2025 – which is an increase from 0.09% in 2024.
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FLI
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Employee Contribution Rate
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0.33%
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FLI Maximum Employee Contribution
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$545.82 per year
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FLI Employee Taxable Wage Base
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$165,400
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The 2025 Maximum Temporary Disability Insurance weekly benefit is $1,081.
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1ShelterPoint presently provides TDI benefits only – NJ Family Leave Insurance (FLI) is not currently offered by ShelterPoint, but is available through the State Plan.
The ShelterPoint family of companies operates under the “ShelterPoint” name strictly as a marketing name, and no legal significance is expressed or implied. The ShelterPoint family of companies consists of ShelterPoint Life Insurance Company, a NY-domiciled carrier (principal office in Garden City, NY) and its wholly-owned subsidiary ShelterPoint Insurance Company, a FL-domiciled carrier, depending on the state (see our Geographic & Jurisdictional Notice here). ShelterPoint is a registered service mark.
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 the 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.