Tag Archives: disability

New Jersey Employers: Accessing 2025 Year-End Temporary Disability Insurance Statements

As we kick off 2026, New Jersey employers have an important task on their to-do list: downloading the year-end statements for Temporary Disability Insurance (TDI) benefits paid in 2025. These statements are essential for accurate tax reporting and compliance.

Why These Statements Matter

New Jersey’s Temporary Disability Insurance program provides wage replacement to employees unable to work due to non-work-related illnesses, injuries, or pregnancy recovery. While TDI benefits are not taxed by the state, a portion is considered federally taxable as third-party sick pay.

The New Jersey Division of Temporary Disability and Family Leave Insurance reports the taxable amounts directly to employers via year-end statements. Employers must include this information on employees’ W-2 forms (typically under “third-party sick pay” or “other wages”). Failing to do so can lead to IRS issues for your employees—and potential headaches for your HR team.

These statements are available online every January for the previous calendar year through the state’s myleavebenefits.nj.gov portal.

How to Access Your 2025 Year-End TDI Statements

Visit the NJ Division of Temporary Disability Insurance portal at myleavebenefits.nj.gov.
You’ll need:
- Your Federal Employer Identification Number (FEIN), formatted as a 15-digit number (add a leading zero if needed and five trailing zeros—e.g., 123456789 becomes 012345678900000).
- Your permanent authorization code (mailed by the Department of Labor; if lost, retrieve it via Employer Access on the NJ Labor site).
Log in and download the statement—it’s that simple.

If you encounter issues, the state’s Employer Accounts division can assist with code retrieval.

Connecting TDI to Broader Unemployment Cost Control

Properly handling TDI reporting ties into effective overall cost management for New Jersey employers. While TDI and Unemployment Insurance (UI) are separate programs, both impact your payroll taxes and experience ratings.

Mismanaged claims or inaccurate reporting in either program can indirectly affect your UI experience rate, which determines your unemployment tax contributions. New Jersey’s UI rates are experience-based: higher chargeable benefits lead to higher rates.

Proactive strategies—like monitoring claims, contesting ineligible charges, and optimizing voluntary contributions—can significantly reduce your UI costs. With recent positive shifts in the UI trust fund (including lower tax tables in recent years), now is an ideal time to review your accounts for maximum savings.

Need Help? Contact Dunn Corporate Resources

Navigating TDI statements, W-2 reporting, and unemployment cost control doesn’t have to be overwhelming. At Dunn Corporate Resources, we specialize in helping New Jersey employers minimize unemployment insurance costs through expert claims management, tax rate analysis, and compliance support.

Whether you have questions about downloading your TDI year-end statements, ensuring accurate W-2s, or uncovering UI savings opportunities, our team is here to help—with no-cost initial analyses available.

Contact us today to reach out to our specialists for personalized guidance. Let’s make 2026 your most cost-efficient year yet!

New Jersey Tax Rate Notice

New Jersey Releases Unemployment and Disability Tax Rate Notice

On July 28th New Jersey mailed out the tax rate notice for the taxable year 2017-2018. This notice contains the tax rates for both unemployment and disability. The minimum unemployment tax rate is 0.5% and the maximum tax rate is 5.8%. The state is using the same tax tables as the 2016-2017 taxable year. Be sure to check for voluntary contributions as often times employers can benefit from “buying down” their tax rates.

Dunn Corporate Resources is here to help you! If you need help interpreting your tax rate notice, we are offering a no-cost analysis of your unemployment and disability tax accounts to see what savings may be available!

Voluntary Short Term Disability: Give your Employees the Option to “Buy Up”

The following is a true story. Joan was an employee at a large local hospital in New Jersey. When she was presented with the opportunity to elect various voluntary benefits to enhance her company benefits plan, she participated in many of them. Her primary motivation was she had a family history of cancer and was worried about the financial impact on her and her family if she ever faced this herself. The plans she selected were:

Short Term Disability “Buy up”
Cancer Insurance
Critical Illness

Less than four years later, she complained of a pain in her side and her doctors determined there was a growth over her intestine. She was admitted to the hospital within the week and had successful surgery to have the tumor removed. The test results confirmed her worst fear: cancer! The good news was 100% of the cancer was removed during surgery. The better news is she was covered not only by her medical plan, her state-mandated short term disability coverage, but also by three voluntary benefits that provided needed cash so she could pay her bills while recovering.

Eventually, after several months, she received nearly $30,000 from the critical illness and cancer policies. It took 11 weeks for the TDB checks to start arriving. (The hospital did not have a private plan). A week later, she returned to work. The point, for this article, is that it was the $500 a week short term disability “buy up” checks that helped her family stay afloat while she was recovering. These payments started 14 days after she filed her claim.

A short term disability “buy up” is available in any state with a mandated SDI plan. It offers, in New Jersey, the option for an employee to receive up to 40% of their gross weekly check, tax free, on top of the state benefit. Whether you decided to also explore a private plan, this voluntary benefit is a natural and cost-free way to improve your benefits offering.

Dunn Corporate Resources has upgraded our services in this area. Not only do we have extensive expertise in designing the right plan for your employees, we offer enrollment services to all of our clients. This means we have licensed, experienced benefits counselors who can sit in one-on-one sessions with your people and help them make the right decisions for themselves and their families.

We can complement an offering of voluntary STD with other voluntary benefits such as term life, indexed universal life, accident, critical illness, etc. For clients in other states, we can design short and long term plans that range from employer paid, employer-paid for key staff combined with voluntary, or 100% employee-paid voluntary.

For more information, call Jim Johnson at 1-800-220-DUNN or email: Jim.johnson@dunncorp.com.