New Jersey
New Jersey Temporary Disability Insurance (TDI) and Family Leave Insurance (FLI)
New Jersey Temporary Disability Insurance (TDI) and Family Leave Insurance (FLI)
The New Jersey state program provides Temporary Disability Insurance (TDI) and Family Leave Insurance (FLI) wage replacement benefits to eligible workers who need time off from work. Workers may be eligible for TDI if they are unable to work due to a non-work-related injury or illness or during pregnancy and/or childbirth. Workers may be eligible for FLI to care for a seriously ill family member or to bond with a new child, and to address matters related to being a victim of domestic violence or sexual violence. Employment covered under the New Jersey Unemployment Compensation Law, including state and local government employment, is also covered for Family Leave Insurance.
Coverage Options: Employers can participate in the state-run program, or they can self-insure or fully insure a private plan. MetLife provides fully insured and self-insured temporary disability coverage only.
Job Protection: The NJ TDI and FLI coverage is not job protected. However, job protection may be provided through other federal or state laws such as the federal Family and Medical Leave Act (FMLA) or the New Jersey Family Leave Act (NJ FLA).
2023 Benefits:
- TDI: 26 weeks: Workers may receive approximately 85% of their weekly wages with a maximum benefit of $1,025/week
- FLI: 12 weeks: Workers may receive approximately 85% of their weekly wages with a maximum benefit of $1,025/week
2024 Benefits:
- TDI: 26 weeks: Workers may receive approximately 85% of their weekly wages with a maximum benefit of $1,055/week
- FLI: 12 weeks: Workers may receive approximately 85% of their weekly wages with a maximum benefit of $1,055/week
2023 Contributions:
- TDI: Employee contribution (payroll deduction) of 0% of first $156,800 of pay up to a maximum of $0.00. Employer funds the balance of the plan cost
- FLI: Employee contribution (payroll deduction): 100% employee-paid at 0.06% of first $156,800 of pay up to a maximum of $94.08
2024 Contributions:
- TDI: Employee contribution (payroll deduction) of 0% of first $161,400 of pay up to a maximum of $0.00. Employer funds the balance of the plan cost
- FLI: Employee contribution (payroll deduction): 100% employee-paid at 0.09% of first $161.400 of pay up to a maximum of $145.26
As of October 6, 2023
What is Paid Family & Medical Leave?
The information presented in this brochure is not legal advice and should not be relied upon or construed as legal advice. It is not permissible for MetLife or its employees or agents to give legal advice. The information in this brochure is for general informational purposes only and does not purport to be complete or to cover every situation. You must consult with your own legal advisors to determine how these laws will affect you. Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions, limitations, and terms for keeping them in force. Please contact MetLife or your plan administrator for complete details. Further, the information in this brochure does not reflect MetLife’s or any particular employer’s internal policies or the benefits available to its employees. All employees, regardless of employer, should consult with their own HR, benefits manager, or visit their HR website for information on the benefits available to them.