Private Plans must be at least as liberal in benefit amounts, eligibility requirements and duration of payments as the State Plan. Some are more liberal.

The State Plan and Private Plans must provide coverage for those employees who become disabled while employed or within two weeks of their last day in covered employment. However, if your disability begins more than 14 days after your last day in New Jersey covered employment, a claim for Disability During Unemployment should be filed.

Private Plan Claims

If you are covered under a private plan, your employer's private plan carrier is responsible for processing and paying benefits on your disability claim. You can obtain a claim form from your employer. Complete the form and submit it to the carrier for processing. If you submit your claim to the State for processing, we will forward it to the insurance carrier. This will delay your claim and delay your benefits.

The Claims Review Unit in Private Plan Operations handles claim problems and provides assistance and information to all private plan claimants, employers, and insurers. If you experience any problems with your claim, or if you have any questions, contact the Claims Review Unit at:

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

Telephone: (609) 292-7060

FAX: (609) 292-2537