We just found out at work that they now have a private disability insurance company and not through the state. Can they change without tell any of us? We don't even know what we are entitled to if we need it. We only found out because on our pay stubs next to disability it says exempt.
I live in NJ
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In most states, employers are not required to offer disability insurance at all – only worker’s compensation coverage. Your employer has opted to provide private disability insurance in lieu of paying for state disability insurance. That is legal.
The private disability might be cheaper. It is the employer’s plan and he has the right to buy a private one. I don’t know in New Jersey whether he can stop paying into the state plan or not.
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