What is the difference between TDI and FLI?

TDI pays you when your own non-work illness, injury, or pregnancy keeps you from working. FLI pays you while you bond with a new child or care for a seriously ill family member. Both use the same 85 percent formula and the same weekly cap.

How is the average weekly wage figured?

New Jersey averages your wages over the base weeks, generally the eight weeks immediately before your claim begins. That average weekly wage is then multiplied by 85 percent to find your benefit, subject to the cap.

How long do benefits last?

Temporary Disability Insurance can pay up to 26 weeks for a single disability. Family Leave Insurance pays up to 12 weeks of continuous leave, or longer if taken intermittently, within a 12-month period.

Is this my exact benefit?

No. This is an estimate. Actual benefits depend on the state's wage verification, the seven-day TDI waiting period, and the current-year maximum weekly cap. Use the figure for planning and confirm with New Jersey's Division of Temporary Disability and Family Leave Insurance.

New Jersey Disability & Paid Family Leave Benefit Calculator

Estimate your New Jersey state disability or paid family leave weekly benefit amount.

Calculates New Jersey Temporary Disability Insurance (TDI) and Family Leave Insurance (FLI) weekly benefit using your average weekly wage, the state's 85 percent wage-replacement rate, the maximum weekly cap tied to the statewide average wage, and New Jersey's benefit duration limits.

How does New Jersey calculate the weekly benefit?

New Jersey replaces 85 percent of your average weekly wage for both Temporary Disability Insurance and Family Leave Insurance. The result is capped at a state maximum that is set at 70 percent of the statewide average weekly wage and updated annually.

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New Jersey runs two of the most generous wage-replacement programs in the country: Temporary Disability Insurance (TDI) and Family Leave Insurance (FLI). Both replace 85 percent of your wages up to a high annual cap.

How it works

Both programs start from your average weekly wage (AWW) over the base weeks:

weekly benefit = AWW × 85%   (capped at the state maximum)

The cap equals 70 percent of the statewide average weekly wage and rises each year. TDI lasts up to 26 weeks; FLI lasts up to 12 weeks of continuous leave.

Example

An AWW of $1,000 gives 1000 × 0.85 = $850 per week, which is below the cap, so the estimated weekly benefit is $850.

Notes

This is an estimate. Actual benefits depend on the state’s wage verification, the seven-day TDI waiting period, and the current-year maximum weekly cap. Confirm with New Jersey’s Division of Temporary Disability and Family Leave Insurance.