Temporary disability insurance (TDI) is an insurance program that provides cash benefits to workers who suffer from an illness, injury, or other disability that prevents them from working. Most New Jersey employers are mandated by state law to provide temporary disability insurance for their employees.
Here are some of the most frequently asked questions regarding temporary disability insurance in New Jersey:
Who is eligible for temporary disability insurance benefits?
All New Jersey workers who contribute to the state plan for temporary disability insurance or an employer’s approved private plan are eligible. The only exemptions to New Jersey state benefits are federal government employees, out-of-state employees, and workers who aren’t technically employees (for instance, contractors).
To be eligible, applicants must meet all the requirements of the temporary disability benefits law, file a formal claim petition with the Division of Workers’ Compensation, and agree to reimburse the Division of Temporary Disability Insurance should they be awarded benefits. They also need to meet certain gross earnings requirements. Moreover, claimants are eligible for benefits as long as they work in New Jersey even if they're not residents of the state.
Do I need to make an appearance at government offices?
The forms you’ll need to fill out to make a claim will be sent to you by mail or you can fill them out online, so you don’t need to go to any government office. Even claims being submitted on behalf of deceased individuals can be sent by mail. The New Jersey Department of Labor and Workforce Development may send additional forms in case you need to update any of your information.
What rules apply to pregnant women claiming TDI benefits?
According to the Department of Labor and Workforce Development, pregnant women may claim temporary disability insurance benefits should they suffer an injury in the workplace. However, employers are not required to hold a job for those who are receiving TDI benefits, which applies to pregnant employees.
Should I get legal counsel when filing for TDI benefits?
The short answer is yes. Each case is unique, and extenuating factors must be considered when determining whether you qualify for temporary disability insurance. Also, benefits will be computed for different income levels and types of disabilities. It is best to consult experienced labor law experts who can properly guide through the process, saving you time and resources.
Seeking assistance and guidance from a workers’ compensation attorney in New Jersey is wise because overlapping rules and laws may be difficult to understand. Furthermore, a lawyer can help gather evidence, negotiate settlement agreements, represent you in a workers’ compensation hearing or trial, and advise you on matters pertaining to supplementary claims and benefits.
Workers’ compensation attorneys at KMH&L are deeply knowledgeable and highly experienced. They can clearly and thoroughly explain to you how to navigate temporary disability insurance, especially since some of its clauses overlap with other government programs such as social security disability, pension disability, unemployment, and more.
The first thing you should do if you get injured at work is to report the accident to your supervisor and ask for medical treatment. Your next step should be to call the Workers’ Compensation attorneys at KMH&L Lawyers. We’ll make sure you’re protected and covered during this difficult time. Contact us to schedule a free consultation.