Considerations for Privatizing New Jersey Family Leave Insurance and Temporary Disability Benefits

 
The Hartford began offering Family Leave Insurance (FLI) in January 2023, in addition to our Temporary Disability Benefit (TDB) plan. Some employers may now consider switching from the state-run plans to The Hartford's plans. Employers may choose to offer a private plan or participate in the state program to distribute FLI and TDB benefits.
 
Employers who partner with us for NJ FLI and TDB will have a streamlined and integrated approach to administration and claims, including:
 
  • Ability to coordinate benefits offered through The Hartford with a single intake and integrated claims management
  • Administrative ease for both the employer and employee
  • Expertise in compliance and statutory coverage
  • End-to-end claim experience for leaves including return-to-work support for employees
  • Seamless integration with STD and LTD
  • Experienced nurses who are the first point of contact when employees report a claim
  • Employee FLI and TDB benefits as good as or better than the state program
  • Employer and employee access to personalized claim service, including direct access to a case claim representative

Partnering With The Hartford

As a leader in Paid Family and Medical Leave, Statutory Disability and Absence Management, we can help employers:
 
  • Simplify administration for employers and employees
  • Enhance the employee experience with compassionate support and additional resources
  • Design compliant policies and provide educational resources for employers and employees

Upcoming Key Dates

  • January 2022: The TDB and FLI benefit adjustments (maximum benefit) became effective.
  • January 1, 2023:  In addition to TDB, The Hartford began providing private FLI coverage for qualifying leaves:
    • To bond with a new child (birth, adoption or foster placement) in the first 12 months
    • To care for a family member with a serious health condition
    • For medical attention, counseling, or legal assistance and proceedings if the employee or a family member is a victim of domestic or sexual violence
 
1308800 10/23
 
Temporary Disability Form Series includes GBD-1850 A, or state equivalent.
 
Statutory Family Leave Insurance Form Series includes GBD 1856 FLI (NJ).
This informational material is subject to change as The Hartford continues to receive guidance from states and municipalities. It shall not be considered legal advice. The Hartford assumes no responsibility for legal compliance with respect to an employer’s business practices, and the views and recommendations contained herein shall not constitute The Hartford’s undertaking on a company’s behalf, or for the benefit of others, to determine or warrant that an employer’s business operations are in compliance with any law, rule, or regulation. Employers seeking resolution of specific legal or business issues, questions, or concerns regarding this topic should consult their own attorney or business advisors; and employees should continue to consult their employers’ Human Resources or other employment benefits department for guidance on the application of any law, rule, or regulation.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company, under the brand name, The Hartford,® and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at www.thehartford.com.