State plan: Provides a baseline of benefits that all covered employers must offer.

State-approved private plans: Option to offer an approved private plan that meets or exceeds state benefits or self-funded private plan.

Employers must participate in the state public insurance programs (TDI and FLI) and deduct payroll taxes for employees working in NJ with the following exceptions:

• Local government entities (e.g. counties, municipalities and school districts) have the option to participate in TDI.
• Federal government employers are exempt from both TDI and FLI programs.

PML (TDI): Employee's own serious health condition.

PFL (FLI): Caring for a family member, bonding and safe leave.

Benefit percentage: 85% of average weekly wage on a sliding scale.

Maximum weekly benefit: $1,081.

Waiting period:

• PML: 7-day waiting period, retroactive to the first day after 22 consecutive days of disability.
• PFL: No waiting period.

Maximum duration:

• PML: 26 weeks maximum but capped at one-third base year wages. 
• PFL: 12 weeks maximum but capped at one-third base year wages.

• Employer: Rate varies from 0.1% to 0.75% $43,300 wage cap.
• Employee: 0.23%.

• Employer: None.
• Employee: 0.33% of taxable wage base (100% employee-funded).
• Taxable wage base: $165,400.

Employer funds the additional cost of the private plan above the employee maximums. The employer can pay all or part of the employee contribution.