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!

UI Tax: Lower NJ Tax Rate

How to lower your unemployment tax rate:

Two things in life are certain: Death and Taxes. Whether it is income tax, sales tax, property tax, etc. you still have to pay it! The good new is – some taxes are controllable and even minimizable.

Employers are all too familiar with with the effects of taxes on their bottom line profits. Ever wonder if there’s a way to pay less money in taxes? Well, one tax that is CONTROLLABLE is the unemployment tax rate. For employers, it does not matter what state you do business in, you can still reduce your unemployment tax rate – all it takes is some know how.

There are three main areas that employers need to watch in order to control their unemployment tax:

Administration:

Every unemployment claim needs to be fought with the proper legal language that is written in the state laws. Be sure to to specifically identify the final incident that caused the termination and don’t mis-interpret the claimant’s actions for something that they weren’t.

Auditing:

Auditing is arguably the most important aspect in lower an unemployment tax rate. Did you know that each state admits that it pays out an excess amount in unemployment benefits each year? Check out the map here to see how your state stacks up against others. Employers must check to see how much each claimant is supposed to be getting paid out, and then determine if the claimant is actually receiving the proper amount of pay. Here’s the catch: this money has already been paid – the state is just letting you know they paid it. It is your job to check that the state is paying the proper amount of money out of your account!

Education:

You don’t know what you don’t know. And, your employees don’t know what they don’t know. Did you know that you can “buy down” your tax rate to effectively pay taxes at a lower tax bracket? This is call a voluntary contribution. Certain states allow voluntary contributions, while others do not. This is just one example of an opportunity to lower your tax rate without having to do any “work”.

Employers should be proactive in ensuring that their whole organization is on the same page. Managers should understand how the unemployment system works, since often times an unemployment claim will be decided based on a write up or termination letter from a manager. Companies should be following uniform procedures when disciplining employees and issuing write-ups in a logical progression.

Dunn Corporate Resources has the economies of scale to help your business achieve the lowest possible unemployment tax rate, while offloading all of the workload! Our award winning computer system is fully integrated with the Federal Government’s SIDES system allowing us to process unemployment claims electronically! Our systems ensure no overpayments are made, and that employers receive all possible credit’s to their unemployment accounts.