New Jersey's general continuation law applies only to small employers with fewer than 50 employees and does not apply to employees who are eligible for continuation coverage under federal COBRA. As a practical matter, this law applies to employers with fewer than 20 employees and are thus not covered by the federal law. In addition, this requirement applies only to medical and hospitalization coverage and not to dental coverage.
Continuation coverage must be identical to the coverage provided under the insurance policy to similarly situated beneficiaries. If coverage is modified for any group of similarly situated beneficiaries, it should be modified in the same way for those who are receiving continuation coverage.
The New Jersey continuation requirements provide continuation rights that are very similar to federal COBRA for spouses and dependent children. Unlike federal COBRA, the New Jersey continuation requirements apply to civil union partners in the same way that they apply to spouses.
Employees. In the case of plans covered by the state continuation law, employees who lose coverage because their employment is terminated or their hours are reduced ...