When a family member becomes seriously ill, or if you have a newborn baby at home, you may need to take time off. NJ Family Leave Insurance allows you to do this. NJ Family Leave Insurance provides employees with wage replacement benefits for a limited amount of leave time. An employee may take time off work without worrying about their employer retaliating against them if they are covered under the New Jersey Family Leave Act (NJFLA). If an employer tries to retaliate against you for taking time off from work, you may have grounds for a lawsuit.