But, besides shopping around to find the best rates and benefits through a private plan, what are your responsibilities as a New Jersey employer when it comes to administrating TDB coverage? The State of New Jersey Department of Labor outlines the responsibilities for employers when it comes to writing TDB in New Jersey.
As in most states with statutory disability coverage, employers must post notices sharing information about disability benefits in New Jersey. The NJ.gov website provides materials you can post in the breakroom and other places where they will be highly visible to all employees.
By law, NJ workers cannot receive more on disability than they would have received if working for that time frame. Therefore, it’s important for employers to report sick time, vacation time, and paid personal days to the Department of Labor so the state can accurately calculate disability payments.
If you opt to pay the difference between the weekly benefit and the employee’s salary, submit that information with your Employer Statement.
The NJ Department of Labor website notes that employers must review the “Notice of Disability Benefits Charged or Credited” when benefits for an employer are approved.
In addition, you must cross-reference that days where employees received benefits were not also days that they employee worked, collected vacation pay, collected sick pay. If you notice a discrepancy, call 609-292-7060 or reach out to your carrier to clarify.
Even though employees are responsible for filing and submitting their own claim forms, the State of NJ strongly encourages employers to help out to ensure accurate employment information.
New Jersey employers have certain responsibilities when it comes to TDB claims. That’s why it’s best to work with a knowledgeable insurance broker who can assist with the claims process, answer questions, and provide personalized service and even cost savings with a private TDB plan.
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