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Arch New Jersey Temporary Disability Benefits Law

Employers with one or more employees working in New Jersey are required to provide short-term disability benefits should the employee be disabled by an off-the-job injury or illness. Benefits are 66 2/3 % Average Weekly Wages to a maximum of $633 per week for 26 weeks after 7-day elimination period. Enrichment options are available.

What most employers don’t realize is that they pay into a state plan for this coverage and have the option to “opt out” and move their coverage to an Arch disability plan for a potential savings and superior service. Even if coverage is already in place though another private carrier, there still could be considerable saving by switching to Arch.

Did you know…

  • Temporary Disability Benefits (TDB) insurance is mandatory* for all employers in New Jersey.
  • All New Jersey employers are automatically enrolled in the state disability plan, but have the option to establish a private plan of coverage with an insurance carrier upon approval by the state and upon written election of a majority of covered employees.
  • On average, it takes the State of N.J. over 2 weeks to process a disability claim.

Arch’s New Jersey TDB coverage offers an alternative to the state plan:

  • Many employers will see a savings when they move away from the state plan to Arch
  • Arch, on average, pays its claims in four business days or less.
  • Arch can offer many claimants tax savings on their disability benefits
  • 100% paperless of all policy and related documents. There’s no waiting for the U.S Mail.
  • Employer access to online, real-time FICA and claim reports. Arch Insurance offers Disability policy holders access to our state-of-the-art online reporting tools.

    The Arch NJ TDB solutions (by employer size)

    1 tto  24 25 tto  250 251 tto  up

    Arch NJ Small Business 
    Arch's disability solution
    for New Jersey small

    Click below for an instant quote

    Arch Assist TDBsm
    This is our guaranteed savings
    program for eligible employer
    groups who are currently
    covered the State of NJ

    Click below for more info and quote
    Arch Assist TDBsm

    Arch NJ Large Business 
    Our Underwriters will craft a
    benefit plan and a competitive
    rate for each employer group

    Contact Arch for a quote:
    Arch Underwriting:

  • Arch will pay the Disability assessments the state bills the employer.
  • If needed, Arch will pay the fee for an enrollment firm to help with the employee election consent process

* New Jersey Temporary Disability Benefits Law (TDB) - Short-term disability benefit for New Jersey employees who are disabled because of a non-occupational illness or injury. Benefits are 66 2/3 % Average Weekly Wages to a maximum of $633 (2017) per a week for 26 weeks after a 7-day elimination period.