New Jersey state temporary disability helps many residents while they are unable to work. The program replaces a portion of income when an individual suffers a covered non-occupational accident or illness.

Every penny counts when you lose your income while your regular bills keep coming in. Plus, you may have extra medical expenses kick in at the most inconvenient time.

Take advantage of our online calculator to get a quick estimate of the benefit you might receive, if approved. Then, read about all the forms you might need to complete. Accuracy ensures that you do not have to delay too long before the first payment arrives.

NJ Temporary Disability Calculator

Use our New Jersey temporary disability pay calculator to estimate the size of your weekly check and the overall benefit you might receive. Of course, you must input the correct information to get an accurate approximation.

The most critical elements are your average weekly wage and the projected length of your incapacity. Of course, tax consequences could affect your budget as well.

Disclaimer: only the government agency or insurance company can determine claim amounts

Weekly Wage

Determining your average weekly wage is the first interim step in your NJ temporary disability benefit forecast. In general, you divide your base earnings by the number of base weeks – which is any seven days beginning on a Monday that you earn more than $200.[1]

Total up the earnings and base weeks in the first four of five quarters. Quarters are three-month intervals with thirteen weeks each.

Quarter Wages Earned $200+
Recent Not Counted Not Counted
4 $15,000 13
3 $15,000 13
2 $12,000 12
1 $10,000 11
Sum $52,000 49

In this example, you arrive at the weekly wage with this simple math.

$52,000/49 = $1,061

Benefit Length

Claim payments for NJ temporary disability can last up to six months – if you remain under the care of a licensed physician, and your inability to work continues. Therefore, the possible duration is a critical input into the estimation of the size of your total benefits.

Many people recover before the six months elapse. On the other hand, others remain unable to work beyond this point, and filing an extension is fruitless – because their eligibility ends at this point.

Hence, many residents purchase a private long-term disability policy to protect themselves if they are out of work for longer than six months. However, you must start this coverage before becoming sick, hurt, or pregnant.

Benefit Amount

Then, the agency tabulates two other elements into the NJ temporary disability amount, the weekly benefit level, and the seven-day waiting period.

The weekly amount is the smaller of the two other figures.

  1. Percentage of your income
  2. Overall maximum

Please note that both elements change effective June 30, 2020, and the online calculator works with the newer figures.

Before After
Percent of the average weekly wage 66% 85%
Maximum weekly benefit $667 $881

The waiting period is a conditional seven days. The program initially begins making claim payments on your eighth day out of work. Then, if your time off exceeds twenty-two consecutive days, you receive the lost money retroactively.

Taxation

NJ temporary disability benefits are subject to federal income taxes but not at the state level. Be sure to factor taxation into your budget equation, and set aside funds to cover any extra amounts owed come April 15. In other words, do not bet on getting a refund.

Expect to see the tax consequences reflected on two possible documents.

  1. W2 statement from your employer showing third-party sick pay
  2. The Department of Labor will issue 1099 statements to recipients of during unemployment

How Long NJ Temporary Disability Takes

Many people want to know how long it takes to receive their New Jersey state temporary disability checks. You could have your money in a matter of days or might have to wait months depending on three critical questions.

  1. Did you complete the correct forms wholly and accurately?
  2. Does your qualifying medical condition fall into a grey area?
  3. Do you commute to or from Delaware, Pennsylvania, or New York?

Qualifying Reasons

The qualifying medical reason that causes you to stop working also can influence how long it takes to get your first NJ temporary disability benefit. Some health conditions are an obvious yes or no, while many more are borderline cases requiring follow-up before the agency can render their decision.

For illustration purposes, follow the example for a complicated pregnancy versus a healthy maternity leave. Then, apply the lessons to other conditions such as cancer, heart disease, accidental injuries, etc.

Maternity Leave

Women experiencing normal and healthy maternity leave typically receive their money right away (assuming they complete their documentation accurately) because their case is clear cut. Plus, the government applies a simple benefit standard.

  • 4 weeks before the due date
  • 6 weeks for a vaginal birth
  • 8 weeks for C-section delivery

Complicated Pregnancy

Women experiencing medical complications of pregnancy may have to wait longer for their money because it is more difficult to prove the infirmity. Merely being a high-risk or on bed rest are insufficient reasons to establish a valid claim.

You may need to complete two additional forms.

  1. M20: Your obstetrician must include the pregnancy-related medical reason why you can no longer perform your job duties
  2. M40: Where an agency-approved physician will provide an independent review of your case

Commuters

Applying to the wrong program can lengthen the time before you receive your short-term disability money. Many people commute in both directions across the Hudson and Delaware rivers to their jobs.

Your access to benefits depends on the state where you work rather than where you reside. Be sure to complete the correct set of paperwork based on these rules.

  • File in NJ if you commute from outside of the Garden State
  • Apply in New York if you commute from NJ to the Empire State
  • Pennsylvania and Delaware do not offer a government-mandated program

Form Precision

Meticulously filling out the right claim forms will shorten the time you must wait for your NJ temporary disability benefit. You cannot influence how quickly the agency responds, but you do control whether you follow instructions.

Avoid unnecessary delays by completing the correct initial documentation precisely. Begin by asking your employer if they participate in the state plan or have coverage through a private insurance company.

  • File online at the NJ website for state plan members
  • M01 Medical Certificate: take to your doctor for online submission
  • Contact the private insurer for instructions on submitting a claim

If you receive any of these secondary forms from the agency, it means you missed something and elongated the time for a decision.[2]

  • C10: the application is missing information, or does not match data from your doctor and or employer
  • E10: employment information was missing from the application or conflicts with reported wage records
  • E20: sent if your employer fails to respond to the earlier E10 request
  • M10: the initial application was missing medical information, or your answers conflict with the physician’s statement
  • V01: the initial application did not include sufficient identifying documents such as photo ID, social security card, and a bill showing your current mailing address
  • V10: you did not respond quickly enough to the V01 request for identity verification

Footnoted sources from the Department of Labor and Workforce Development

[1] Benefit Amounts

[2] Applicable Forms