In New Jersey, CD employees are offered health insurance under the State Health Benefits Plan. Each individual CD covers the employer's portion with premiums ranging from approximately $500 - $1,500 per month per employee depending on the type and level of plan (individual, family, high deductible, low deductible, etc.) and includes a prescription drug program. The employee is responsible for a portion of the cost as a percentage of salary, type and level of plan. The state association has taken no role in how CDs arrange their salaries and benefits.

Many CDs include post-retirement benefits which are now causing some financial stress in the smaller offices as it can cost up to an additional $1,100 per retiree.