National Association of Insurance Commissioners (NAIC) - Organization
for the chief administrators of all state insurance commissions.
New Jersey Temporary Disability benefits (TBD) Law - Mandates a non-occupational, short-term disability plan funded through
a tax-supported state fund; in effect since 1950. Employers may substitute a
private, insured of self-insured plan equaling or exceeding state fund standards.
Certain existing plans are also permitted as alternatives.
New York Disability benefits Law (DBL) - Mandates a non-occupational, short-term disability plan funded by employers;
in effect since 1950. Employers may substitute a private, insured or self-insured
plan equaling or exceeding state benefits; additional cost is funded by employer,
employees, or both. Certain existing plans are also permitted as alternative.
Non-occupational plan - Any employer-sponsored disability benefit plan that
provides income replacement for employees whose disability is not caused by
their employment. These plans may also provide for supplements to workers' compensation
benefits in the event of occupational injuries or illnesses.