Four gaping holes remain in the NJ state disability safety net. Not everyone has coverage, the benefits last only twenty-six weeks, Social Security pays little and is hard to get, and Workers Compensation only helps with occupational events.

Buying long-term disability insurance from a private company is the best way to fill these four gaps. Do not wait.


New Jersey family and maternity leave laws provide partial income replacement and extend federal job-protections and rights – both in terms of the number of people, and the total length of time.

The Garden State has some of the most generous medical leave programs in the nation, funded by a small payroll tax taken out of everyone’s check.


The New Jersey temporary insurance (TDI) replaces up to 85% of a worker’s gross income, up to a hard dollar cap, which increases slightly every year.

The program applies to people who work in NJ, not residents. Many workers cross a river every morning on their out-of-state commute and lose access.