Welcome to Dimensions Incorporated

FAQ -- Large Employer Health

Does NJ State Law require that businesses provide health benefits for their employees?

No. If the employer chooses to offer health benefits, they must comply with the requirements of the law. For more information, contact us.

How many eligible employees must participate in the group plan?

75% of eligible employees must participate in the group plan.

How many employees must an employer have to be considered a Large Group in NJ?

Businesses with a minimum of 51 eligible employees, for the preceding 12 months, are considered a Large Group in the State of New Jersey. For more information, contact us.

Can an employer institute a waiting period before employees can enroll in a NJ Health Benefit plan?

The employer has the option of electing a waiting period of up to six months.

In a NJ Health Benefits Plan, what are the minimum number of hours an employee must work to be eligible for health benefits?

An employer may use the 30 hour standard for determining eligibility for a health benefit plan; however, other hourly standards may be applied with carrier approval. For more information, contact us.

What factors do the carriers use to calculate insurance premiums?

Carriers may use demographic information (the location of the group), age of employees, gender, family status, and claims experience.

Are employers permitted to offer more than one health benefit plan to their employees?

Yes. For more information, contact us.

Are eligible employees on Medicare permitted to participate in the employer's group plan?