If your employment at Rutgers is terminated, you will need to consider important information about:

Continuation Health Insurance Coverage

  • Medical, dental, and prescription drug coverage continues as follows:

Timetable for Termination in the NJ SHBP for Local and State Monthly Employers*

Date of Termination**
Date Forms Must be Received at the Division of Pensions and Benefits
Date Coverage Ends
January 6 - February 5 February 5 March 1
February 6 - March 5 March 5 April 1
March 6 - April 5 April 5 May 1
April 6 - May 5 May 5 June 1
May 6 - June 5 June 5 July 1
June 6 - July 5 July 5 August 1
July 6 - August 5 August 5 September 1
August 6 - September 5 September 5 October 1
September 6 - October 5 October 5 November 1
October 6 - November 5 November 5 December 1
November 6 - December 5 December 5 January 1
December 6 - January 5 January 5 February 1

*The coverage ending dates in this chart apply to state monthly dental coverage, and state monthly and local employer medical and prescription drug coverage, including all local employer stand-alone prescription plans.

**Please note: The Transmittal of Deletions form indicates that coverage termination is effective the first of the month following the first full month for which no salary was paid; however, deletions received between the first and the fifth of the previous month will also take effect on the first of the month that follows. Termination due to a member's death always take effect on the first of the month following the member's date of death.

  • Vision coverage continues until the end of the month of termination of employment.
  • University Human Resources will send you COBRA information when notified of your termination by your department head

Continuation Life Insurance Coverage

  • Life insurance coverage continues for 31 days after termination of employment date
  • Conversion without medical exam is available and the application for conversion must be submitted within 31 days of termination of employment

Long Term Disability Insurance Coverage

PERS/PFRS/Federal Retirement Plans:

UNUM - Voluntary Long Term Disability Insurance is available for members of PERS/PFRS in Administrative, Professional, or Supervisory titles and members of the Federal Retirement Systems:
Coverage ends on the date of termination

  • A conversion privilege, without medical exam, is available and an application for conversion is required within 31 days of termination of coverage.


  • Long term disability coverage ends on the date of termination
  • No conversion privilege

Managing Retirement Accounts


  • If you have more than ten years of service and are vested, you may apply for deferred retirement.
  • If you lose your job through no fault of your own, you may leave the account open for up to ten years. Contact the Division of Pensions and Benefits at 609-292-7524 for more information .
  • If you have less than ten years of pension service, you may leave your account open for up to two years.
  • You have the option of withdrawing your pension contributions and ending pension membership. To do so, complete an Application for Withdrawal.


  • If you are vested, you do not have to withdraw funds until you are age 70-1/2.
  • If you are vested and choose to withdraw funds, you are considered retired and may not enroll in a New Jersey State pension plan again.
  • If you have participated in ABP for less than twelve months, you will receive only your own contributions and earnings, but will not receive Rutgers’ contributions.

Contact your state-authorized investment carrier for more information:

AXA Equitable 1-866-752-0072
Mass Mutual 1-848-248-4875
VOYA Financial 1-877-873-0321
Met Life 1-732-623-5700
TIAA 1-800-842-8412
Valic 1-800-448-2542
Prudential 1-855-652-2711

Paid Time Off

  • Any unused vacation days, including days accrued, will be paid at the time of termination
  • Unused sick leave, AL, and PH days will not be paid at termination.

Paid-Time Off At Separation Calculation Report Available

These reports can be provided to anyone separating from the University.

Employees or ARS administrators may request a projection of available paid time off to be earned and/or paid prior to separation of employment. Please provide the following information in an email request to ARS@HR.RUTGERS.EDU:

  • Full Employee Name and email address
  • Department or Unit (also OrgID, if known)
  • Projected Date of Separation
  • Any future planned scheduled time off prior to separation
  • ARS administrator name and email address

All requests should be made prior to the employee’s last day of attendance, and at least 1 calendar month prior to separation date. A summary report will be provided to the requestor within 7 days.

Claiming Unemployment Benefits/Form BC-10

  • Form BC-10/Unemployment Form Required
  • The New Jersey Department of Labor and Workforce Development mandates that all employers, including Rutgers, issue Form BC-10 (Instructions for Claiming Unemployment Benefits) to employees who are separated from employment. In the past, the state did not require employers to give Form BC-10 to employees who were laid off for fewer than seven days. However, as a result of recent state legislation (L. 2011, c. 87), Form BC-10 must be given to any employee who becomes unemployed for any reason, whether the unemployment is permanent or temporary. The new law also requires that employers provide separated workers with the following additional information on Form BC-10:
    • Date the worker becomes unemployed.
    • Recall date, in cases where the employment separation is temporary.
    • Notification that the employee may lose some or all benefits if a claim is not filed in a timely manner.

    You must make certain that all sections of the form, including those required by the new legislation, are completed before it is issued to the employee. The form is available for download here. If you have any questions about the use of the form, please contact University Human Resources at 848-932-3020.

  • Unemployment insurance benefits may be available for you when employment is terminated through no fault of your own.
  • Faculty and staff may be eligible. Students, including teaching assistants, graduate assistants, post docs, and fellows are not eligible.
  • The benefit provides up to 60% of the average weekly wage for up to 26 weeks.
  • (a weekly maximum of $657 applies in 2016).
  • Claims should be filed as soon as possible after becoming unemployed. Claims can be filed online or by contacting a regional Reemployment Call Center:  Union City (serving Northern New Jersey) 201-601-4100 - Freehold (serving Central New Jersey) 732-761-2020 - Cumberland (serving Southern New Jersey) 856-507-2340
  • Unemployment FAQs

For more information, visit the NJ Department of Labor website

Faculty and Staff Assistance Program

  • All faculty and administrative staff and their immediate families are eligible for free, confidential comprehensive counseling and referral services through the Rutgers Faculty and Staff Assistance Program (FSAP).
  • FSAP provides 24-hour service for crisis and emergency contact.

Credit Union Membership

Notify the Rutgers Federal Credit Union in writing of your change of status, providing updated address information. For additional assistance, contact the Rutgers Federal Credit Union.