New Jersey augments traditional health plans with a rare, but a very valuable government program. The temporary disability benefits replace up to two-thirds 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 residents cross a river every morning on their out-of-state commute and lose access.


When a family member needs to utilize the health care system, one or both parents sometimes need to stop working. This happens most frequently with growing families having babies.

New Jersey family and maternity leave laws provide partial income replacement and extend federal job-protections and rights.