X-Ell Employee Benefits, LLC

1680 Route 23 North, Suite 310, Wayne, NJ  07470

Eligible Companies

Eligible Employees

Eligible Dependents

Participation Requirements

Employee Waiting Period

Employer Contribution

Guarantee on Issuance

Pre-existing Conditions

Portability of Coverage

Rating Methodology

Minimum Loss Ratios

Standardized Plans/Benefits/Forms

 

Continuation of Coverage

COBRA, TEFRA, DEFRA (groups 20+)

New Jersey Group Continuation (groups < 20)

NJ Dependent-to-age-31 legislation

 

 

 

 

 

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Reform Law Summary

NJ 2-50 Reform Summary

 

IMPORTANT NOTE: All product information contained on this page and all linked pages is for informational purposes only and represents our best attempt to summarize the basic elements of New Jersey State Reform regulations.  This is not a contract and all information is subject to frequent corrections and revisions.  We are not responsible for omissions or errors.  Please revisit frequently for the most up-to-date information.