New Jersey · TDI + FLI
New Jersey paid family leave
New Jersey Family Leave Insurance is issued as a rider to statutory Temporary Disability Insurance. Limemint writes TDI and FLI together on one policy. Employees cannot collect TDI and FLI at the same time.
At a glance
Maximum duration
12 consecutive weeks, or 56 days of intermittent leave, per 12 months
Benefit formula
85% of average weekly wage
Waiting period
None for continuous bonding or caregiving leave
Private plans
Program detail
TDI + FLI in New Jersey
Family leave is a rider on the statutory disability policy. Both benefit schedules are below.
NJ FLI
- Program
- Family Leave Insurance (NJ FLI)
- Contributions effective
- January 1, 2009
- Benefits effective
- July 1, 2009
- Covered employers
- Employers subject to the New Jersey Unemployment Compensation Law
- Employee eligibility
- Meet the base-week or base-year earnings requirement set annually by the state
- Covered reasons
- Bond with a new child
- Care for a family member with a serious health condition
- Safe leave related to domestic or sexual violence
- Maximum duration
- 12 consecutive weeks, or 56 days of intermittent leave, per 12 months
- Waiting period
- None for continuous bonding or caregiving leave
- Contribution rate
- Employee contribution rate set annually on wages up to the taxable maximum
- Employee share
- 100% employee funded
- Benefit formula
- 85% of average weekly wage
- Maximum weekly benefit
- $1,119 per week for 2026, indexed annually to the statewide average weekly wage
- Private plans allowed
- YesFully insuredSelf-funded
- Approval and election
- Approved private plans must provide benefits at least as favorable as the state plan and may not cost employees more. A majority of employees must consent when the plan requires employee contributions.
- State resource
- www.nj.gov/labor/myleavebenefits/worker/fli/
- Information as of
- January 1, 2026
NJ TDI
- Program
- Temporary Disability Insurance (NJ TDI)
- How Limemint writes it
- Limemint writes New Jersey FLI as a rider to statutory TDI. The two coverages issue together on one policy, not as separate placements.
- Covered employers
- Employers subject to the New Jersey Unemployment Compensation Law
- Employee eligibility
- 20 base weeks earning at least $310 per week, or $15,500 in the base year (2026)
- Covered reasons
- Own serious health condition
- Pregnancy disability before childbirth
- Pregnancy disability after childbirth
- Maximum duration
- Up to 26 weeks, or one-third of total base-year wages if that amount is reached first
- Waiting period
- 7 days. Paid retroactively if the disability lasts three or more consecutive weeks. None for organ or bone marrow donation.
- Contribution rate
- Employees: 0.19% of wages up to $171,100 (max $325.09 in 2026). Employers: 0.10%–0.75% of wages up to $44,800, experience-rated.
- Employee share
- 0.19% of covered wages, capped at the employee taxable wage base
- Benefit formula
- 85% of average weekly wage
- Maximum weekly benefit
- $1,119 per week for 2026
- With family leave
- TDI and FLI cannot be collected at the same time. Pregnancy disability (TDI) and bonding (FLI) are taken in sequence.
- State resource
- www.nj.gov/labor/myleavebenefits/worker/tdi/
- Information as of
- January 1, 2026
What this means for you
Employer and employee view
If you are the employer
New Jersey permits a private plan, so you can meet the mandate with a Limemint plan instead of the state fund. It must be at least as generous as NJ FLI, and employee contributions cannot exceed the state rate.
Limemint writes New Jersey FLI as a rider to statutory TDI. The two coverages issue together on one policy, not as separate placements.
New Jersey is launching soon. We write private plans in New York today, and we can tell you where New Jersey sits on the roadmap.
Approved private plans must provide benefits at least as favorable as the state plan and may not cost employees more. A majority of employees must consent when the plan requires employee contributions.
Employer detailIf you are an employee
You qualify based on meet the base-week or base-year earnings requirement set annually by the state. Benefits run for 12 consecutive weeks, or 56 days of intermittent leave, per 12 months, and a waiting period applies: none for continuous bonding or caregiving leave.
How to file a claimEstimate
What NJ FLI might pay
A rough figure based on the published formula and weekly maximum. Nothing is submitted.
Estimate your weekly benefit
Two inputs, a rough number. Nothing is submitted or saved.
Enter your average weekly pay to see an estimate for NJ FLI.
This is an estimate only. Your actual weekly benefit depends on your base-period wages, the state formula in effect when your leave begins, and any other income you receive during leave. It is not a determination of eligibility or a promise of payment.
Other jurisdictions
Compare nearby programs
New York is available now. New Jersey and Massachusetts are launching soon. The rest are upcoming states.
Talk to a specialist
Discuss a New Jersey plan
Talk to a specialist
Tell us where your employees work and how you handle leave today. We will walk through the statutory programs that apply, your private plan options, and what implementation looks like.
Helpful to have ready
- Which states mandate paid family leave for your workforce
- Where a private plan is permitted and what the election process involves
- How the coverage and leave management platform work as one system
Best for
Employers, insurance brokers, and benefit administrators with multi-state obligations or an upcoming effective date.