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NJ Pregnancy & Maternity Leave Coverage

New Jersey Short Term Disability Insurance: Pregnancy, Maternity Leave - NJ

NJ has one of the most generous state mandated infertility, pregnancy, and maternity leave programs. New Jersey has state mandated pregnancy, maternity leave, and paid family leave benefits which can extend for up to 18 weeks. 

While it's great having these benefits, you will be facing a pay cut of 1/3 or more during this time.  Many couples can't afford having mom away from work so long. 

What you will find on this page - click the links for more details on:

  • NJ maternity leave pay
    • How to increase your maternity leave pay
    • Where to get 18 weeks of paid leave
    •  How big is your income gap?
    • Are you covered?
  • New Jersey infertility insurance mandates
  • NJ temporary disability insurance
    • Maternity benefits
    • Help filing a claim
  • NJ Family Medical Leave Act
    • A key difference from the Federal law extends pregnancy and maternity leave job protection
  • New Jersey Paid Family Leave
    • Extra paid leave to bond with baby
    • How it works with temporary disability

Increase Your NJ Maternity Leave Pay

You can increase your maternity leave pay by applying for supplemental short term disability for pregnancy, before you conceive.

You can create maternity leave income, while also protecting your family in case of pregnancy complications, delivery complications, premature birth, accidents, and illnesses.
Short Term Disability Rates & QuotesShort Term Disability Rates & QuotesShort term disability rates and benefit illustrations for pregnancy & maternity. See an example of how the benefit for normal delivery greatly exceeds the premium paid. Plus, gain protection in case of pregnancy complications, premature birth, delivery complications, accidents, and illnesses - at no additional cost.

18 Weeks of NJ Pregnancy & Maternity Benefits

Here's how NJ allows you up to 18 weeks of maternity benefits. 

  • 4 weeks before your delivery
  • 8 weeks after your delivery (c-section delivery)
  • 6 weeks of paid family leave

What's your NJ Maternity Income Gap?

NJ State Short Term Disability Insurance caps your weekly benefit at 66% of income or $561 per week - whichever is less. If your income exceeds $42,000 per year, you hit the cap.  Divide $561 by your weekly gross pay to determine how big your pay cut will be for 18 weeks.

NJ Short Term Disability - Are You Covered?

Government workers, teachers, and independent contractors often are not covered.  The New Jersey short term disability insurance plan mandate covers private workers only. 

If you commute to NYC or Philly - you are not covered.  The mandate applies to workers, not residents. 

Already Pregnant and Need to File a Claim?

Read below for NJ State benefit programs relating to pregnancy and maternity leave.  You will find access to forms and phone numbers you need under the NJ Temporary Disability page.  Good luck! 

New Jersey Temporary Disability InsuranceNew Jersey Temporary Disability InsuranceNew Jersey state temporary disability for pregnancy & maternity leave. Your NJ benefit will replace 2/3 of your income up to $561 per week. Calculate your maternity benefit, and find information on how to file a claim, and other important information. Good luck!
New Jersey Infertility Health InsuranceNew Jersey Infertility Health  InsuranceThe New Jersey Infertility mandate - The Family Building Act requires insurance policies that cover more than 50 people and provide pregnancy-related benefits to cover the cost of the diagnosis and treatment of infertility.
New Jersey Family Medical Leave ActNew Jersey Family Medical Leave ActThe New Jersey Family Leave Act applies to employers over 50 employees anywhere worldwide. It allows for 12 weeks of unpaid leave during any 24 month period. Unlike the federal law it does not apply to an employees own disability - something important to keep in mind for pregnancy and maternity situations.
New Jersey Paid Family LeaveNew Jersey Paid Family LeaveThe New Jersey Paid Family Leave Act allows for 6 weeks of paid leave to bond with your baby. NJ Temporary Disability Insurance covers your maternity leave for 6 or 8 weeks. How much total time off will you get, and will your job still exist by the time you return to work?
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