State RegulationsNJ specificDifficulty 2/5
An employer covered by New Jersey's temporary disability benefits law must provide coverage through which arrangement?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under N.J.S.A. 43:21-1 et seq., an employer subject to New Jersey's temporary disability requirements satisfies the obligation either through the state plan or through a private plan the state has approved. An approved private plan must provide benefits at least as favorable as the state plan's. This state-plan-or-approved-private-plan structure is the core design of New Jersey's program.
Why the other options are wrong
- A) The state plan is one option, but an approved private plan is a lawful alternative.
- B) A private plan needs state approval; an employer cannot simply draft its own and use it.
- D) The program is a New Jersey scheme under N.J.S.A. 43:21-1 et seq., not a federally administered plan.
Memory hook
Two doors: the state plan or a state-approved private plan.