N.J. Public Officials' & Public Employees' Accident/Health Insurance Plan

    This plan has been in operation since 1946 when the State of New Jersey passed the law enabling public employees to participate in a voluntary plan of accident and sickness insurance through payroll deduction of premiums. It provides essential income replacement of insured employees, in addition to accumulated sick leave or other disability insurance.

    In 1980, the New Jersey Temporary Disability Benefits Law was amended to afford State employees disability benefits after the exhaustion of all accumulated sick leave. This further created the need for supplemental policies which provide additional funds to enable employees to better secure their financial picture in the event of accident or illness.

    John Couch instrumented the availability of this benefit program over 60 years ago. Since that time, the needs of society and individual people have evolved and changed tremendously.

    Couch Braunsdorf Insurance Group is a full service brokerage and financial services firm. We recognize this changed need, and have teamed up with Total Benefit Systems, Inc. to provide the best benefits and service in the industry! Total Benefit Systems and it's staff have been providing superior insurance benefits, payroll deduction services, enrollment and administrative services for over 25 years.

    You can rest assured that you will receive complete individual attention through every aspect of your involvement in this benefit program. We provide 24/7 enrollment, teams of specialists to answer any questions you may have, claims assistance, and complete servicing of your payroll deduction.


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