If you live in New Jersey and drive to work, the destination influences the amount of disability insurance you may have. temporary disability insurance New Jersey State covers private employees. Know what your coverage before you get sick, hurt or become pregnant.
Two people who are sitting on the train, may have very different levels of coverage depending on at what point they stop to get to work. Many of the passengers in New Jersey to go on crossing the state line, and many do not work for public office: federal, state, county, city and municipal offices. The only thing about the & # 39 brings together all the passengers – is that they do not have the right to participate in the program of the New Jersey State Temporary insurance.
Passengers with disabilities in New York
Passenger carriers that cross the River Hudson and work covered by the Plan of New York. The mandate of the New Jersey applies to workers in the state, not the people, as it makes the NY plan. NY plans limit payments of $ 170 a week, which is much smaller than NJ plan that replaces income of $ 561 a week.
Residents of the State of New Jersey, who may not have coverage
Passengers who travel on public works, may not have coverage. The mandate of the State of New Jersey only applies to private workers – government employees are exempt from the mandate, but each government structure is allowed to participate if they wish. If your employer is the state decided not to take part, as many do not participate, you do not get insurance for disability insurance if you get sick or hurt.
NJ Passengers who do not cover disability
Residents who cross the Delaware River, are in the worst position of all. Since the mandate NJ applies to people who work in the state, residents who travel to Pennsylvania or Delaware, does not have the capacity to cover the disability staff. And Delaware, and Pennsylvania do not have public insurance disability. Even if your employer wanted to take part, there is no state program to join him. Workers in these states need to rely on company-sponsored plan through a private insurer.
No matter where to go, it is worth thinking about the purchase of additional short-term disability, before you get sick, hurt or become pregnant. At 561 dollar limits per week, many workers find that it does not provide adequate coverage. This gap is even more profound for those who have $ 170 weekly, and for those who do not have coverage.