New Jersey Temporary Disability Benefits

Arch Insurance offers New Jersey employers short-term disability benefits that meet the requirements mandated by the state.

Temporary Disability Plan

New Jersey employers are mandated by the state to provide short-term disability benefits for off-the-job injuries, illnesses, or other medical conditions. This may include:

  • Pregnancy/childbirth.
  • Off-the-job accident event (i.e. broken leg in skiing accident).
  • Extended illness (i.e. heart attack recovery).
  • Flu.

Employers are automatically enrolled into a state plan for this coverage. However, many companies choose to “opt out” of the state plan and work with a private insurance company, like Arch. This can often result in a potential savings for the employer and superior service for employees. For example, even if coverage is already in place though another private carrier, there still could be considerable savings by switching to Arch.

Effective Jan. 1, 2024, benefits are 85% of the average weekly wage to a maximum of $1,055 per week for 26 weeks after the seven-day waiting period. Enrichment options are also available.

On average, Arch Insurance processes claims in under five days, which is significantly faster than the New Jersey state program, based on the Temporary Disability Insurance Workload in 2020 Summary Report.

Employees in Multiple States

Get our State Disability & Paid Family Leave Reference Guide, which provides state-by-state guidance on PFML plans.

Learn more

Document Library

New Jersey TDB Product Sheet

Under the New Jersey Temporary Disability Benefits Law, all covered employers in New Jersey must provide temporary disability coverage to their employees.

Why Go With A Private Plan – New Jersey

Learn more about what makes Arch’s private plan option for New Jersey beneficial over a state-run program.

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Get a quote from Arch Insurance's Accident and Health division for coverage relating to accident, disability and travel insurance products.

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Contact Us

Disability General Mailbox

Customer Service


Tom Foschino
Vice President,
Accident and Health
+1 646 563 5517