New Jersey Programs

The state of New Jersey offers many forms of financial assistance designed to help families having children. NJ augments traditional health insurance plans with a plethora of additional programs designed to expand the medical safety net.

The Garden State has a wide array of regulations that are friendly towards growing families: infertility mandate, temporary disability, paid leave, extended family leave rights, and more. The infertility mandate helps couples struggling with infertility. The temporary disability, paid leave, and family leave policies help families when a member is unable to work and earn an income.

Long-Term Disability Insurance in New Jersey

Posted by Kevin Haney
New Jersey Turnpike Exit Signs

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.

LTD Fills Four Gaps

 

New Jersey Maternity Leave | How Much & How Long?

Posted by Kevin Haney

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.

Maternity leave in NJ

 

New Jersey Temporary Disability Calculator & Delay Time

Posted by Kevin Haney

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

New Jersey TDI