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How Does New Jersey Small Group Continuation Differ From Federal COBRA?

Benefits professional representing New Jersey small group continuation and federal COBRA

Quick Answer: New Jersey Small Group Continuation, or NJSGC, can provide continuation coverage through insured New Jersey small-group health plans, including for employers too small for federal COBRA. Federal COBRA generally applies to employers with at least 20 employees and can cover insured or self-funded plans. NJSGC generally gives a qualified person 30 days after […]

How Does the New Jersey DU31 Law Affect Health Coverage When a Child Turns 26?

Young adults walking on campus

Quick Answer: The New Jersey DU31 law may allow an employee’s child to remain on or enroll in a parent’s qualifying employer health plan after aging out of regular dependent coverage, commonly at age 26, and continue until age 31. DU31 generally applies to group health benefits plans issued in New Jersey regardless of employer […]

The 3 Compliance Mistakes That Cost Employers the Most

Compliance checklist on an office desk with employee benefits documents, notes, and administrative paperwork highlighting the importance of ACA, ERISA, and COBRA compliance for employers.

One missed compliance notice cost a New Jersey employer more than $94,500. Employee benefits compliance isn’t just a paperwork exercise. For employers, mistakes involving ACA reporting, ERISA documentation, and COBRA notices can lead to significant penalties, audits, and unnecessary legal exposure. In this video, Kathryn Reed, SHRM-CP, Senior Director of HR at JS Benefits Group, […]