New Jersey S 3160: Prohibits unfair discrimination in issuing or rating life insurance policies based on transgender status or certain gender identity information.

Bill Text

S3160 

SENATE, No. 3160 

STATE OF NEW JERSEY

222nd LEGISLATURE

� 

PRE-FILED FOR INTRODUCTION IN THE 2026 SESSION

Sponsored by:

Senator NICHOLAS P. SCUTARI

District 22 (Somerset and Union)

Co-Sponsored by:

Senators Amato, Schepisi, Diegnan and Cryan

SYNOPSIS

���� Provides filing extension and medical documentation 
requirement for certain members or retirees of PFRS, SPRS, or PERS regarding 
accidental disability retirement allowance for participation in 9/11 World 
Trade Center rescue, recovery, or cleanup operations.

CURRENT VERSION OF TEXT 

���� Introduced Pending Technical Review by Legislative 
Counsel.

��

An Act concerning the accidental disability retirement 
allowance for certain members and retirees of the Police and Firemen�s 
Retirement System, the State Police Retirement System, and the Public 
Employees� Retirement System, and amending P.L.1944, c.255, P.L.1965, c.89, and 
P.L.1954, c.84.

���� Be It 
Enacted by the Senate and General Assembly of 
the State of New Jersey:

���� 1.� Section 7 of P.L.1944, 
c.255 (C.43:16A-7) is amended to read as follows:

���� 7.� a.� (1) Upon the written 
application by a member in service, by one acting in his behalf or by his 
employer any member may be retired on an accidental disability retirement 
allowance; provided, that the medical board, after a medical examination of such 
member, shall certify that the member is permanently and totally disabled as a 
direct result of a traumatic event occurring during and as a result of the 
performance of his regular or assigned duties and that such disability was not 
the result of the member's willful negligence and that such member is mentally 
or physically incapacitated for the performance of his usual duty and of any 
other available duty in the department which his employer is willing to assign 
to him.� The application to accomplish such retirement must be filed within 
five years of the original traumatic event, but the board of trustees may 
consider an application filed after the five-year period if it can be factually 
demonstrated to the satisfaction of the board of trustees that the disability 
is due to the accident and the filing was not accomplished within the five-year 
period due to a delayed manifestation of the disability or to other 
circumstances beyond the control of the member.

���� (2)�� Upon retirement for 
accidental disability, a member shall receive an accidental disability 
retirement allowance which shall consist of:

���� (a)�� An annuity which shall 
be the actuarial equivalent of his aggregate contributions and

���� (b)�� A pension in the amount 
which, when added to the member's annuity, will provide a total retirement 
allowance of 2/3 of the member's actual annual compensation for which 
contributions were being made at the time of the occurrence of the accident or 
at the time of the member's retirement, whichever provides the largest possible 
benefit to the member.

���� (3)�� Upon receipt of proper 
proofs of the death of a member who has retired on accidental disability 
retirement allowance, there shall be paid to such member's beneficiary, an 
amount equal to 3 1/2 times the compensation upon which contributions by the 
member to the annuity savings fund were based in the last year of creditable 
service; provided, however, that if such death shall occur after the member 
shall have attained 55 years of age the amount payable shall equal 1/2 of such 
compensation instead of 3 1/2 times such compensation.

���� (4)�� Permanent and total 
disability resulting from a cardiovascular, pulmonary or musculoskeletal 
condition which was not a direct result of a traumatic event occurring in the 
performance of duty shall be deemed an ordinary disability.

���� b.� (1) For purposes of this 
subsection: 

���� "Qualifying condition or 
impairment of health" includes:

���� diseases of the upper 
respiratory tract and mucosae, including conditions such as conjunctivitis, 
rhinitis, sinusitis, pharyngitis, laryngitis, vocal cord disease, upper airway 
hyper-reactivity and tracheo-bronchitis, or a combination of such conditions;

���� diseases of the lower 
respiratory tract, including but not limited to bronchitis, asthma, reactive 
airway dysfunction syndrome, and different types of pneumonitis, such as 
hypersensitivity, granulomatous, or eosinophilic;

���� diseases of the 
gastroesophageal tract, including esophagitis and reflux disease, either acute 
or chronic, caused by exposure or aggravated by exposure;

���� diseases of the psychological 
axis, including post-traumatic stress disorder, anxiety, depression, or any 
combination of such conditions;

���� diseases of the skin such as 
contact dermatitis or burns, either acute or chronic in nature, infectious, 
irritant, allergic, idiopathic or non-specific reactive in nature, caused by 
exposure or aggravated by exposure; and

���� new onset diseases resulting 
from exposure as such diseases occurring in the fu