Many RPEA members have been asking about Prudential/AFLAC/Disability Insurance through the state benefits. The link below is a fact sheet that discusses some of your questions as it pertains to State disability.
The association has done a lot of research on this topic, here is what we have been able to gather.
If you were hired prior to May 2010, you have disability long term, through the state. Meaning you are NOT going to come back to work, RETIRED. – at 43% of your salary.
But you must apply to the state- could take up to a year to get this settled, short term prudential/AFLAC would be beneficial in this case. If you have long term through prudential NOT sure you would be able to double dip so to speak. (good question to ask before purchasing long term prudential – Open enrollment till APRIL!)
Those hired after May 2010- NO LONG TERM DISABILITY FROM THE STATE!
Prudential/AFLAC long term would be the only way you would get any disability insurance.
Neither those hired before May 2010 or after, have long term state disability insurance coming out of your paychecks.
Therefore, it seems like it would NOT be available through the state for either group!
IF you want to know SPECIFICALLY about YOURSELF and whether you are covered by the state call and ask at this number:
State of New Jersey Department of Treasury – Divisions of Pensions and Benefits website. It is 609-292-7524.