New Jersey § 43:15c-13

§ 43:15c-13.

The disability benefit coverage provided under a group policy or policies shall provide

a monthly income if the participant becomes totally disabled from occupational or

nonoccupational causes for a period of at least six consecutive months following the

effective date of the coverage. The monthly disability benefit may be paid by the insurance company so long as the

participant remains disabled up to the 70th birthday, provided the disability commenced prior to the 60th birthday. The benefit shall terminate when the participant is no longer considered totally

disabled or begins to receive retirement benefits. The participant shall be considered totally disabled if the participant is unable

to perform each duty of the participant's occupation and is under the regular care

of a physician. After the 24 months following the commencement of the disability benefit payments, the participant shall be unable to engage in any gainful

occupation for which the participant is reasonably fitted by education, training , or experience. Total disability shall not be considered to exist if the participant is gainfully

employed. Following an agreement with the insurance company and the policyholder, the participant

may continue to receive disability benefits for a limited time while performing some

type of work. During the period of rehabilitation, the monthly benefit shall be the regular payment

less 80% of the participant's earnings from the rehabilitative position. A participant shall be deemed to be in service and covered by the disability benefit

insurance provisions for a period of no more than six months while on official leave

of absence without pay if satisfactory evidence is presented to the Division of Pensions

and Benefits that the leave of absence without pay is due to illness and that the participant was not actively

engaged in any gainful occupation during the period of leave of absence without pay. Disability benefit insurance provisions of the group policy or policies shall not

cover disability resulting from or contributed to by pregnancy, act of war, intentionally

self-inflicted injury, or attempted suicide regardless of the person's mental capacity . For purposes of the disability benefit coverage, the participant shall not be considered to be disabled

while the participant is imprisoned or while outside the United States, its territories

or possessions, or Canada. If the participant has recovered from the disability for which the member had received

benefits and again becomes totally disabled while insured, the later disability shall

be regarded as a continuation of the prior one unless the participant has returned

to full-time covered employment for at least six months. If the later absence is due to an unrelated cause and the participant had returned

to full-time work, it shall be considered a new disability. The disability benefit insurance cannot be converted to an individual policy. No participant shall be covered by the disability benefit provision of the group policy

or policies except upon the completion of one year of full-time continuous employment

in a position eligible for participation in the Defined Contribution Retirement Program. For a member who is a participant pursuant to paragraph (5) of subsection a. of

section 2 of P.L.2007, c. 92 ( C.43:15C-2 ) as amended by section 12 of P.L.2007, c. 103 and section 7 of P.L.2010, c. 1, completion of one year of full-time continuous employment

in a position eligible for membership in the Teachers' Pension and Annuity Fund, Police

and Firemen's Retirement System, State Police Retirement System, or the Public Employees'

Retirement System shall also be considered in determining if the participant met the

requirements of this paragraph.