KBenefits Insurance Services
Family and Medical Leave Act

Family Leave Insurance

Family Leave Insurance provides New Jersey workers cash benefits for up to twelve weeks to bond with a newborn or newly placed adoptive, or foster child, or to provide care for a seriously ill (including COVID-19) or injured loved one.

New Jersey's Family Leave Insurance law allows mothers and fathers to take up to six weeks off within the first 12 months of a child's birth or placement. Family Leave Insurance benefits can be taken in one continuous period, or in one-week increments to bond with a new child.

Family Leave Insurance provides New Jersey workers cash benefits to bond with a newborn, newly adopted, newly placed foster child, or to provide care for a seriously ill or injured loved one. While most New Jersey workers who take family leave are covered under the State’s family leave program, some employers provide Family Leave Insurance through a plan with a private insurance carrier instead. If you are not sure about your coverage, ask your employer.

Any New Jersey worker who contributes to the state plan for Family Leave Insurance, or an approved private plan may be eligible. Check your pay stubs or ask your employer if you’re not sure about your coverage.

If planning ahead, you may start your online application up to 60 days in advance. To avoid deletion of your draft application: (1) within 14 days of starting the application, provide all information and confirm your claim; then (2) within 14 days of starting your leave, certify and file your claim. If applying after your leave begins, you have 30 days from your first day of leave to file your application.


In order to have a valid claim for Family Leave Insurance, you need to have paid into the program through your employment and meet minimum gross earnings requirements. Family Leave Insurance is available to most New Jersey workers.


Exemptions include: 

  • federal government employees
  • out-of-state employees
  • faith-based organizations
  • workers that are not technically employees (such as contractors).


New Jersey Family Leave Insurance (FLI) is a partial wage-replacement program. It does not guarantee employer-approved time off or job protection.


However, your job may be protected under the federal Family and Medical Leave Act (FMLA) or the New Jersey Family Leave Act (NJFLA), which require covered employers to provide their employees with unpaid, job-protected leave for up to 12 weeks. You must apply for FMLA protection directly with your employer.

These programs are not related, and you may be eligible for Family Leave Insurance benefits whether or not your job is protected under FMLA or NJFLA.  https://nj.gov/labor/myleavebenefits/worker/fli/

FMLA:  Family and Medical Leave Act -  (For 50 or more employees)

The FMLA entitles eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons with continuation of group health insurance coverage under the same terms and conditions as if the employee had not taken leave. Eligible employees are entitled to:

  • Twelve workweeks of leave in a 12-month period for:
    • the birth of a child and to care for the newborn child within one year of birth;
    • the placement with the employee of a child for adoption or foster care and to care for the newly placed child within one year of placement;
    • to care for the employee’s spouse, child, or parent who has a serious health condition;
    • a serious health condition that makes the employee unable to perform the essential functions of his or her job;
    • any qualifying exigency arising out of the fact that the employee’s spouse, son, daughter, or parent is a covered military member on “covered active duty;” or
  • Twenty-six work weeks of leave during a single 12-month period to care for a covered servicemember with a serious injury or illness if the eligible employee is the servicemember’s spouse, son, daughter, parent, or next of kin (military caregiver leave).

FMLA: Fact Sheets

Employers Guide to Family and Medical Leave Act  - click to download

Contact us for advice, navigation, plan options & free enrollment assistance.

Christopher S. Kudryk

KBenefits Insurance Services
Employee Benefits

Individual Health Insurance
Medicare Plan Options


Christopher S. Kudryk
Insurance Specialist

KBenefits specializes in health, dental, vision, life and medicare insurance for employers and individuals in NJ & NY.

Thank you for your referrals!
Referrals are the cornerstone of our business.  Let us know if we can be of further assistance to you or someone you know.  Glad to be of service

Print | Sitemap
2011 KBenefits LLC