Temporary Disability Insurance, or TDI for short, is statutory short-term disability insurance as mandated by the New Jersey Temporary Disability Benefits (TDB) Law. TDI provides covered employees with up to 26 weeks of partially paid time off due to a non-work-related illness, injury, or disability, as well as childbirth and pregnancy-related complications, such as bedrest.
This benefit is for the employee’s own leave. New Jersey has another program, Family Leave Insurance (FLI), which provides partially paid wage replacement to care for a seriously ill family member, similar to New York’s Paid Family Leave. While ShelterPoint 1 currently doesn’t provide Family Leave Insurance in NJ, you can learn more about NJ FLI on the official state site here.
Covered employers – or private employers with one or more employees and a minimum payroll of $1,000 - must contribute to the state fund or provide an approved private plan to their employees. There are some limited exceptions, e.g., it’s optional for government entities to provide this benefit.
By default, employers receive Temporary Disability Insurance coverage for their employees through the NJ state plan. Employers have the option to instead provide this coverage through a private insurance carrier in the form of an approved Private Plan.
An approved Private Plan is an alternative to the New Jersey TDI state plan and can be self-funded by a NJ employer, provided through an approved insurance carrier like us, or through a union welfare fund. Learn how to apply for a Private Plan here.
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Employees need to meet certain criteria regardless of whether coverage is provided through the State or a Private Plan:
They are eligible under the following conditions:
New Jersey doesn’t allow employers or Private Plans to extend coverage to out-of-state employees.
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This material is for informational purposes only and is not intended to provide legal counsel. Please consult with an appropriate professional for legal and compliance advice. Any program information is based on our knowledge and understanding of NJ’s applicable laws and regulations as of the publication date and may change as regulations evolve or NJ issues updated guidance. Further, this material is for illustrative purposes only, providing a general overview of the services described. It is not a contract nor intended as an offer of coverage.
Policies are subject to Underwriting approval. Policies are reviewed annually and may be cancelled for nonpayment. All coverage extends to limits reflected in the policy. Please refer to the policy for coverage details pursuant to its governing law, including a complete listing of covered services, provisions, conditions, exclusions, limitations, and terms under which the policy may be continued or cancelled. In the event of conflicting information with the policy and its governing Law, the policy and governing Law will take precedence over what is shown in this material. Claim payment is not guaranteed; benefit amount depends on wages.
The Temporary Disability Benefits (TDB) Law (P.L.1948, c.110 (C:43-21-25 et seq.)) and applicable Administrative Code (N.J.A.C. 12:18-1 et seq.) govern this Private Plan and its interpretation and administration. Available in NJ only. Policies have a statutory 7-day waiting period.
Underwritten by: ShelterPoint Life Insurance Company (principal office in Garden City, NY) in: NJ (form# SPL TDB P NJ 0124)