Find out how to get benefits when you can't work due to a non-work-related illness or injury.
Step 1: Create an Account
If you don't already have an account for our secure online system, click here and follow the prompts from the "First Time User?" button.
Step 2: Start an Application
You'll then be directed to the first page of the application. Read it and click the box to confirm you agree with the terms before filling out the rest of the pages.
Step 3: Print Instruction Forms
After your parts are complete, you'll be prompted to print instructions with a unique Online Form ID number. Give them to your healthcare provider so they can complete their part online.
Step 4: Receive Debit Card in the Mail
We send the debit card even before your application is processed, so it won't have funds on it at first. For more information about how the debit card works, click here.
Step 5: Await Your Decision
Applications are processed in the order in which they are received. Online applications are processed quicker than those sent by mail or fax.
Step 6: If Approved, Access Your Funds
If we approve your application for benefits, funds will be loaded onto your debit card after two business days. You can check the status of your claim by clicking here.
Temporary Disability Insurance provides cash benefits to New Jersey workers who suffer an illness, injury, or other disability that prevents them from working, and wasn’t caused by their job. In addition, if your healthcare provider certifies that you are unable to work because you are at high risk for COVID-19 due to an underlying health condition, you may be eligible for Temporary Disability benefits. Most employers in New Jersey are required to have Temporary Disability Insurance for their employees.
Employers may choose an insurance plan offered by the state or by a private insurance company. Ask your employer which coverage you have. If you are covered by the state plan, apply for Temporary Disability Insurance benefits online via our secure system. If you are covered by a private insurance company, your employer will tell you how to file a claim. Click here for more information about private plan Temporary Disability Insurance.
New Jersey workers are encouraged to apply.
In order to have a valid claim for Temporary Disability Insurance, you need to have paid into the program through your employment and meet minimum gross earnings requirements. Temporary Disability Insurance is available to most New Jersey workers.
The only exemptions are:
- federal government employees
- out-of-state employees
- workers that are not technically employees (such as properly classified independent contractors).
If your employer is covered for Temporary Disability Insurance, they are required to set up payroll contributions for you. If you believe you are covered under the program but payroll contributions have not been made, you are still encouraged to apply as it may have been an error. If you became unemployed recently and have a need for Temporary Disability Insurance, you still may be eligible for benefits and we encourage you to apply. In that case, we will forward your application to our Disability During Unemployment section.
Your employer is required to report your wages to the state after each calendar quarter. When your claim is under review, we consider the earnings reported for the 5 completed quarters prior to the week your disability began. The first 4 quarters of that time frame is called the base year. To qualify for Temporary Disability Insurance in 2020, you must have worked 20 weeks earning at least $200 weekly, or have earned a combined total of $10,000 in those four quarters (the base year).
Your regular base year period consists of 52 weeks and is determined by the date you apply for Temporary Disability Insurance benefits, as outlined in the chart below:
The wages earned during your base year will determine the amount of weekly benefits you may receive, and the total amount you can receive throughout the life of a claim.
For workers who don't qualify with a standard base year, we have other ways of calculating a base year. Click here for more information on these alternate base years.
Both New Jersey workers and employers contribute to the cost of the temporary disability program. Workers contribute through deductions taken out of their paychecks.
For 2019, workers contribute 0.17% on the first $34,400 (wage cap) in covered wages earned during this calendar year. The maximum worker contribution for 2019 is $58.48. This contribution is in the form of a salary deduction that your employer takes from your weekly wages.
For 2020, workers contribute 0.26% on the first $134,900 (wage cap) in covered wages earned during this calendar year. The maximum worker contribution for 2020 is $350.74. This contribution is in the form of a salary deduction that your employer takes from your weekly wages.
- First, we calculate your average weekly wage. We do this by dividing your base year earnings by the number of base weeks. In 2020, a "base week" is any week you earn $200 or more.
- Now, we can determine your weekly benefit rate.
For January 1-June 30, 2020, claimants are paid two-thirds (2/3) of their average weekly wage, up to a maximum, $667 per week. As of July 1, 2020, claimants are paid 85% of their average weekly wage, and the maximum weekly benefit increases to $881 per week.
For example, let’s say Steve's first day of disability is Friday, March 6, 2020. To see how much he would receive weekly on Temporary Disability Insurance, we look at his reported wages for the first four of the last 5 completed quarters:
|Previous Completed Quarters||Time Frame Covered||Total Earnings||Number of Base Weeks|
10/1/19 - 12/31/19
|$5,500||13 base weeks|
7/1/19 - 9/30/19
|$5,000||12 base weeks|
4/1/19 - 6/30/19
|$5,000||12 base weeks|
1/1/19 - 3/31/19
|$4,000||10 base weeks|
10/1/18 - 12/31/18
|$4,200||11 base weeks|
Quarters 1 through 4 are the regular base year and the time frame used to calculate his benefits.
Total base year earnings: $18,200 which we divide by 45 (the number of base weeks)
This gives us an average weekly wage of $404.
For the first half of 2020, Steve’s weekly benefit rate is 2/3 of his average weekly wage: $269.
If Steve's first day of disability was July 1, 2020 or later, Steve's weekly benefit rate is 85% of his average weekly wage: $343.
If you become disabled due to an injury or illness related to your job, contact the Division of Workers' Compensation. If your disability is work-related and your employer's workers' compensation carrier denies you benefits or stops benefit payments, you may file an application with us.
To be eligible, you must:
- Meet all the requirements of the Temporary Disability Benefits law, and
- File a formal claim petition with the Division of Workers' Compensation, and
- Agree to reimburse the Division of Temporary Disability Insurance if you are awarded Workers' Compensation benefits.
You can apply for Temporary Disability Insurance benefits online, in the mail, or by fax. Instructions are included on the application. Read all the instructions carefully before completing the application. If filing by mail or fax, don’t forget to sign and date the form.
When you apply for Temporary Disability Insurance benefits, we’ll need information from you, and your medical provider. It is your responsibility to have all this information – including the medical provider part – submitted to us online, by mail, or by fax.
This is the information we need to complete your application:
- From you:
- Your Social Security number, contact information, and date of birth
- The date you became disabled
- Contact information for the medical provider who treated you within 10 days of the first day you were unable to work
- Dates of any emergency/urgent care treatment or hospitalizations
- Dates you worked for any employers in the last 6 months, the employers’ contact information, and the address(es) where you worked
- Dates of any paid time off or other benefits you received after the last day you worked
- The date when you expect to recover and return to work (or the date you recovered and returned to work)
- From your doctor:
- A medical certification to confirm the period you are unable to work
- A medical certification to confirm the period you are unable to work
When you complete your part online, you will get a unique Online Form ID number to give to your medical provider. They will use this number to submit their part to us online. You will be prompted to print out (or save as a PDF file) a page that has your unique Online Form ID number, along with instructions for your medical provider to follow. If you do not have access to a printer when initially filing your application, you have a fourteen day window to return and print the instructions when a printer is available. You can do so by clicking Access claim documents at the top of this page.
If planning ahead, you can start the online application process up to 60 days' in advance and it will be saved as a draft. Once your disability period begins, you must return to your draft (within 14 days' of the start of your leave) to certify and submit your application. If applying after disability period begins, you have 30 days' from your first day of disability to file your application.
We would like to process your application quickly, but can’t do it without your help.
Keep these tips in mind to avoid delays and receive your benefits faster:
- Apply online. It’s faster than printing and mailing or faxing your application to us. It also allows your medical provider to easily complete their section online once they get the required instructions from you. Remember, it is your responsibility to give these instructions to the medical provider to complete – they are not automatically notified by us. If you do apply online, do not also submit your application by mail or fax. That may delay the processing of your application.
- Fill out your application completely and accurately. Read all instructions first. If you’re not sure how to answer a question, check out our FAQ or Form Look Up pages for more information. If you still need help, contact us.
- Include your Social Security number on all correspondence.
- Don’t fax us pictures of documents. If you want to submit a digital copy of a document (such as a birth certificate), use a free mobile app like Adobe Scan or Dropbox to transform a mobile phone picture into a high-contrast, black-and-white PDF file you can print and fax.
- Get ready to receive your payments. Bank of America will mail your CashPay debit card in a plain envelope (which might even look like junk mail), so check all your mail carefully. If you already have a debit card from a previous Temporary Disability, Family Leave, or Unemployment Insurance claim, we will use that same debit card account to pay benefits for new claims. If you can’t find your card, contact Bank of America for a replacement.
The Temporary Disability Benefits Law does not specify how far in advance you must notify your employer for medical leave, as many disabilities are unforeseeable circumstances. However, we encourage you to keep your employer informed whether your leave for medical reasons is scheduled in advance or not. Having an open discussion with your employer about your need for medical leave will allow them to prepare for your absence and make adjustments to work schedules, if necessary. Your employer may also be able to provide insight on job protection and if you qualify for it through the federal Family and Medical Leave Act (FMLA).
After you start receiving Temporary Disability Insurance benefits, we may ask you to provide us with proof of your continuing disability to keep receiving benefits.
Instructions on how to submit this information online will be mailed to you in a letter called the Request to Claimant For Continued Claim Information, or P-30, before your last authorized benefit payment.
At the top of this page, click the button that says “Extend or End a Claim,” and log in to your account. Just like when you filed initially, you will be prompted to print a page that has your unique Online Form ID number and instructions for your medical provider to file the continuing medical certification online.
Once we receive this information, we will review the request to extend your claim.
If you are unable to log into your account to get the unique Online Form ID for your medical provider, call us at 609-292-7060.
Here is a list of the important mail you’ll receive from us, in the order it’s typically sent:
- C-05 - Confirmation of Claim Receipt: This form lets you know we received your application. Don’t discard it! You’ll need it if you have to update any of your information (name, address, earlier return to work date, etc.).
- D-10 - Eligible Notice: This form tells you that your application for benefits has been approved.
- D-20 - Ineligible Notice: This form tells you that your application for benefits has been denied.
- P-30 - Request to Claimant for Continued Claim Information: If your Temporary Disability Insurance application is approved, we will send this form so you can extend or end your benefits online when the time comes.
You also may receive one or more of the following if your application contains missing or conflicting information:
- C-10 - Request to Claimant for Information: You’ll receive this form if your application has missing or conflicting information.
- M-10 - Request for Medical Information: You’ll receive this form if your application is missing medical information, if the medical information needs further review, or if your statement conflicts with the medical provider’s statement.
For more information about specific forms or notices, see our Form Look Up page.
Benefit payments are issued on a debit card sent to you directly by Bank of America. You will receive this card in the mail in a plain, unmarked envelope before your application is approved. Don’t lose it! Funds will be applied to the card if and when your application is approved.
Payments are usually issued every two weeks after the initial payment, with a one-week lag for processing time. Once a payment is posted, funds should be available on your debit card within two business days of the payment date. Each day of benefits paid to you is one-seventh (1/7) of your weekly benefit rate. Payment may be more or less than a one-week period.
Social Security (FICA) and Medicare deductions are automatically withheld from your benefits. However, no federal income tax is withheld from your benefits unless you request a specific amount to be withheld weekly when you apply.
Benefits are paid until you recover and return to work, exhaust your maximum benefit entitlement, or receive benefits for 182 days.
Temporary Disability Insurance benefits are considered taxable income for purposes of both the federal income tax and FICA (Social Security). Federal income tax will not be withheld from your benefit payment each week unless you request it when you file, or submit IRS form W-4S to us (for state plan claims) or your employer (for private plan claims). Your share of FICA and medicare is automatically deducted from state plan benefit payments. Garnishments and any refunds owed from a previous disability or family leave claim will also be withheld from your benefit payments.
The amount of your benefits that is taxable will be reported to your employer in January of the year following the receipt of your benefits. Your employer will include that information on your W-2 annual earnings statement.
If you disagree with our decision, you may submit an appeal. Click here for more information about the appeals process.
The Temporary Disability Benefits law allows employers to provide coverage through an approved private plan instead of the state plan.
The plan may be insured by the employer, an insurance company, or a union welfare fund. Private plans vary from employer to employer. All private plans must be approved by the Division of Temporary Disability Insurance, Private Plan Operations. Private plans must offer at least the same benefit amounts, eligibility requirements, and duration of payments as the state plan.
If you are covered under a private plan, your employer's insurance carrier is responsible for processing and paying benefits on your disability claim. You can get an application from your employer, and they will tell you where to send it. If you send your application to the state instead, we will forward it to your insurance carrier. This will delay both the processing of your application and payment of any benefits.
If you experience any problems with your private plan claim, or if you have any questions, our Private Plan Operations Claims Review Unit can help. Here’s how to reach them:
Division of Temporary Disability Insurance
Private Plan Operations
Claims Review Unit
PO Box 957
Trenton, NJ 08625-0957
You may be required to contribute to the cost of your employer's private plan. However, you cannot be charged more than you would have contributed for state plan coverage. If you are required to contribute toward the cost of the plan, a written election must be held and a majority of employees must agree to the plan prior to its effective date.
For 2019, workers contribute 0.17% on the first $34,400 (wage cap) in covered wages earned during this calendar year. The maximum worker contribution for 2019 is $58.48.
For 2020, workers contribute 0.26% on the first $134,900 (wage cap) in covered wages earned during this calendar year. The maximum worker contribution for 2020 is $350.74.
Temporary Disability Insurance benefits paid under a private plan may be subject to Social Security (FICA), medicare and federal income tax. For more information, contact your employer or private plan carrier. Temporary Disability Insurance benefits are not subject to New Jersey state income tax.
If you are covered by a private plan and become disabled, you should advise your employer as soon as possible and ask for the necessary forms to apply for benefits. A decision on your eligibility will be made by the private plan insurance company. If an application is mailed to us in error, our Private Plan Operations Unit will forward the application to the correct insurance company.
If you disagree with a decision made by a Private Plan insurance carrier, you have the right to appeal to the Division of Temporary Disability Insurance. You have one year from the date your disability began to file your appeal. You can send your written appeal to:
Division of Temporary Disability Insurance
Private Plan Operations
Claims Review Unit
P.O. Box 957
Trenton, NJ 08625-0957
or you can appeal online.
Frequently Asked Questions
Get answers to common questions about Temporary Disability Insurance benefits, including the application process.
Debit Card Information
We issue benefits on a prepaid Bank of America debit card. Find out when to expect yours in the mail, and how to access your funds.
Print an Application
Although the quickest way to apply is online, you can print out an application to submit by mail or fax if you prefer.
Form Look Up
Not sure why you received a letter from us? Get information about the forms and notices we send.
Approved Healthcare Providers
Here's a list of the medical practitioners approved by the division to submit medical information for both Temporary Disability and Family Leave Insurance.
The Waiting Week, Explained
We know that no one wants to wait to get their money, but our Temporary Disability program has an unpaid week built into it by law.
Appealing a Decision
Every decision notice we send has instructions for filing an appeal if you don’t agree with the decision. Here’s what to do next.
Expectation vs. Reality: When Limitations Affect Your Benefits
Here are some common reasons why applications may be denied, or benefit amounts may be lower than expected.