N.J. Admin. Code § 17:7-18.1 - Group long-term disability insurance

(a) In accordance with the provisions of the Federal Age Discrimination in Employment Act and upon advice of the New Jersey Attorney General's Office and despite the provisions of N.J.S.A. 18A:66-184, a participant enrolling the Alternate Benefit Program or a participant determined to be totally disabled after age 60, but under 70, will be eligible for long-term disability insurance benefits.

(b) A participant determined to be totally disabled shall be eligible for long-term disability benefits if the participant has completed one year of full-time continuous service in a designated Alternate Benefit Program position pursuant to N.J.S.A. 18A:66-184.

(c) The disability benefits provided shall commence after six months of continuous disability. The disability benefits shall terminate the earlier of:

1. The date the participant is no longer considered totally disabled;

2. The participant's retirement date; or

3. The participant's 70th birthday.

(d) A participant who is in receipt of long-term disability benefits shall be entitled to full pension rights. The insurance carrier shall make the basic pension contribution that the participant would have been required to make while actively working. Employer contributions shall continue.

(e) Payments from short-term disability or salary continuance plans underwritten by private carriers shall not be credited as base salary for the calculation of long-term disability benefits nor shall contributions based on these payments be accepted.

(f) The disability benefit shall be offset by the receipt of periodic workers compensation benefits, Social Security benefits, or other periodic benefits for loss of time on account of the disability pursuant to N.J.S.A. 18A:66-185.

Notes

N.J. Admin. Code § 17:7-18.1