Understanding NJ Temporary Disability (TDI) vs Family Leave Insurance (FLI)
Both programs share the identical calculation formula and maximum weekly rate under New Jersey law, but they serve different circumstances, have separate duration limits, and cannot be claimed simultaneously.
| Key Criterion | Temporary Disability Insurance (TDI) | Family Leave Insurance (FLI) |
|---|---|---|
| Qualifying Reason | Your own non-work illness, injury, surgery, or pregnancy/postpartum recovery | Bonding with a new child (birth, adoption, foster) or caring for a seriously ill family member |
| Maximum Duration | Up to 26 weeks per claim (or 1/3 of total base weeks) | Up to 12 consecutive weeks (or 56 intermittent days) |
| 2026 Maximum Weekly Rate | $1,119 per week | $1,119 per week |
| Statutory Formula | 85% of Average Weekly Wage (AWW) | 85% of Average Weekly Wage (AWW) |
How NJDOL Calculates Your Base Year and AWW
THE STANDARD BASE YEAR
First 4 of the Last 5 Completed Quarters
NJDOL examines your earnings during the first four of the last five completed calendar quarters prior to the quarter in which your disability or leave begins.
BASE WEEK MINIMUM EARNINGS
$303 per Week in 2026
To qualify as a "base week," you must have earned at least 20 times the state minimum wage in that calendar week ($303 in 2026). You need at least 20 base weeks, OR total earnings of at least $15,200.
PREGNANCY + BONDING COMBO
Transition from TDI to FLI
Birthing parents typically claim TDI first for pregnancy and medical recovery (usually 4 weeks before delivery and 6–8 weeks after), then seamlessly transition to 12 weeks of FLI bonding leave.
TAXABILITY
Federal vs NJ State Tax
NJ TDI is subject to federal income tax if your employer paid for the coverage, while FLI benefits are subject to federal income tax. Neither is subject to New Jersey state income tax.
Frequently Asked Questions
What if I work more than one job in New Jersey?
NJDOL combines wages from all covered New Jersey employers during your base year to establish your Average Weekly Wage, up to the statutory maximum cap ($1,119/week).
Can I take FLI intermittently instead of all at once?
Yes. Family Leave Insurance can be taken on an intermittent basis for up to 56 individual days within a 12-month period, provided you have your employer's agreement for bonding leave, or medical necessity for family care.