• Through an insurance company.
  All insurance companies must be approved by the New Jersey Department of Banking and Insurance and Private Plan Operations to provide coverage for temporary disability insurance before they can write private plan policies.
  Information for New Insurers
  Approved Insurance Companies

• By establishing a self-insured plan.
  The employer is responsible for administering the plan and paying benefits.
  Self-Insured Packet

• Through a union welfare fund.
  The union welfare fund is responsible for administering the plan and paying benefits.

All private plans must be reviewed by Private Plan Operations before they can be approved. A completed application and a full description of the plan must be submitted for review. If your private plan is insured through an insurer or union welfare fund, that carrier is responsible for completing the required applications and submitting the plan to this office for approval.

Self-Insured Plans

If you are interested in establishing a self-insured plan, you can find detailed information by going to the self insured packet. Some self-insured employers are required to provide security to guarantee the payment of disability benefits.

General Information

• A private plan can be no more restrictive than the state plan.

• Benefits must at least be equal to those paid under the state plan.

• If the workers are required to contribute to the cost of the private plan, a written election must be held, and a majority of those workers must agree to the private plan.

• Worker contributions must not exceed those required under the state plan.
  

If you would like more information on establishing a New Jersey approved private plan contact:

Division of Temporary Disability Insurance
Private Plan Operations
Plan Approval Unit
PO Box 957
Trenton, NJ 08625-0957

Telephone: (609) 292-2720
FAX: (609) 292-2537