Innovators take care
of their own.
Your health. Your family. Your future. Explore the full benefits NJII has built for the people who turn ideas into impact.
Who qualifies, and when coverage starts
Who's Eligible?
Full-time NJII employees working 30+ hours per week are eligible for all benefits described here.
- Legally married spouse
- Children up to age 26
- Incapacitated children of any age
- Domestic partners
When Coverage Starts
Outside open enrollment, you need a qualifying event (marriage, baby, loss of coverage, etc.) to make changes. Notify HR within 30 days.
PPO & HMO — choose what fits your life
Two NJII medical options for 2026, both with 100% covered preventive care.
Innovator PPO
FlexibleInnovator HMO
Low CopaysIn-network only with PCP referrals — lower copays for everyday care.
💡 Save on Care
- • Use Teladoc ($10) for non-emergency issues
- • Free-standing imaging centers are nearly ⅔ less than hospitals
- • Urgent Care vs. ER can save you hundreds
- • Ask your doctor about generic Rx alternatives & 90-day mail order
DPPO — see any dentist, save more in-network
Dental Choice Plus
Coverage Breakdown
Affordable eye care for everyone
Vision Plan Costs
Coverage Details
You cannot get contacts and glasses in the same calendar year — choose what works best.
Protection for you and the people you love
Voluntary Life & AD&D
OptionalPurchase additional coverage for yourself and dependents. Max employee benefit cannot exceed 5× basic annual earnings. Spouse max is 50% of employee election. Guaranteed issue applies to new hires only.
Disability Insurance
VoluntaryProtects your income if illness or non-work injury keeps you from working. STD covers short-term recovery; LTD steps in for extended periods.
Extra protection for life's unexpected moments
Sometimes medical insurance isn't enough for unforeseen costs. These plans pay on top of your medical plan — no coordination required.
Accident Coverage
Accidents happen anytime. This policy pays you a benefit for each covered injury and treatment — helping cover out-of-pocket costs.
Critical Illness
Lump-sum cash benefit if you're diagnosed with a covered condition like cancer, heart attack, or stroke. So you can focus on getting better.
- Employee: $10K–$40K increments
- Spouse: Up to $40K (≤100% of employee)
- Child(ren): Up to $20K (≤50% of employee)
Save on a pre-tax basis
Healthcare FSA
Pay for qualified medical, dental, and vision expenses with pre-tax dollars — deductibles, copays, Rx, glasses, contacts, Lasik, orthodontia, and more.
Dependent Care FSA
Save on childcare, daycare, after-school programs, and elder care expenses — all on a tax-free basis.
Use It or Lose It
FSAs have a use-it-or-lose-it provision. Be conservative when choosing how much to contribute. Plan your expected expenses carefully.
Start building your future today
NJII adds $2,500 — that's free money. 🎉
NJII Cares — 100% company paid
Free, confidential support for you and your eligible dependents, available 24/7.
Employee Assistance Program
FreePet Insurance
Coverage for dogs and cats — use any vet, anywhere, including specialists and emergency providers. Rates based on individual quotes.
Rest, recharge, come back stronger
PTO Accrual by Level
+8 hours / 1 day per year of service. Levels 1 & 2 cap at 200 hrs (25 days). Levels 3 & 4 cap at 240 hrs (30 days). Complete 90 days before using PTO.
2026 Paid Holidays
- 🗓New Year's Day — Jan 1
- 🗓MLK Day — Jan 19
- 🗓Memorial Day — May 25
- 🗓Juneteenth — Jun 19
- 🗓Independence Day — Jul 3
- 🗓Labor Day — Sep 7
- 🗓Thanksgiving — Nov 26
- 🗓Day After Thanksgiving — Nov 27
- 🗓Christmas Eve — Dec 24
- 🗓Christmas Day — Dec 25