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Did you know New Jersey has the lowest rate of disconnected youth—but there’s more to do

Posted on December 20, 2024

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An article by Wallethub highlights New Jersey as having the lowest rate of disconnected youth in the U.S. While this is encouraging, any number of disconnected youth is too high and signals that we still have much work to do to ensure all young people are prepared for successful futures. 

Disconnected youth, also referred to as “idle teens” or “opportunity youth,” are individuals 16 to 24 years of age who are neither attending school nor working. From 2018 to 2022, an estimated 5% of 16- to 19-year-olds in New Jersey–approximately 24,917 individuals–were considered disconnected youth according to ACNJ’s New Jersey Kids Count Pocket Guide 2024

Risks facing disconnected youth

Disconnected youth are more likely to fail to complete their education, exposing them to additional risks in life. According to the Annie E. Casey Foundation’s Kids Count Data Center, some of these risks include low incomes, employment struggles, poor physical and mental health, limited skills, and an unavailability of satisfactory jobs. Ultimately, being disconnected puts a youth’s future in jeopardy.    

How teens become disconnected

Teens become disconnected for a variety of reasons, influenced by both environmental factors and age. They include having few positive experiences, limited education and work opportunities, few professional networks, and social exclusion. Many disconnected youth have unstable home lives, experience trauma or violence, and come from impoverished communities with limited resources. Without the support and guidance of caring adults, young people are often left to navigate these challenges on their own, increasing their likelihood of giving up on education or employment. Additionally, some may experience homelessness, disability, or involvement in the juvenile justice or child welfare systems. High school students struggling in school may drop out, further limiting their ability to find employment due to the lack of a diploma. For those who do manage to earn a high school diploma, financial barriers and difficulties in enrolling can discourage them from pursuing higher education altogether.  

How can you help?

It is important that we, as a society, do our best to prevent teens from becoming disconnected. This can be achieved by offering meaningful support to those who need it most. ACNJ’s newest initiative, positive youth development, aims to focus on the relationship with safety, wellness, and education while highlighting the strengths of the youth and their communities. Earlier this year, Governor Murphy signed the Disconnection Prevention bill to address youth disconnection in schools. More specifically, the bill: 

 will establish the Disconnection Prevention Task Force to analyze the
causes of school disconnection for individuals from high schools and
public institutions of higher education, and recommend best practices
for reducing disconnected youth in schools.

Loved ones and caring adults of struggling youth can help them by ensuring they feel safe and supported. Fortunately in New Jersey, there are many resources available to families and youth to support their mental health. Some of these resources include the 988 Helpline, a nationwide helpline service offering support to people experiencing emotional distress, and 2NDFLOOR, an anonymous and confidential helpline dedicated to assisting New Jersey’s youth and young adults in a variety of different areas. 

To learn more about the resources mentioned above and others, click here. ACNJ’s staff attorney, Nina Peckman, is also an excellent guide for anyone who has questions on education-related issues. Visit our website to access her informative factsheets and videos as well.

Did you know in New Jersey, you have the option to stay on your parent’s health insurance policy until age 31?

Posted on December 12, 2024

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By Stephen Eisdorfer

ACNJ Volunteer

For more information on this topic, visit https://acnj.org/issues/child-health/

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Under most employer-provided group health insurance plans, on your 26th birthday, you, the adult child, become ineligible, or “age out,” for coverage under your parent’s policy. But there are still a few options available to you. Here’s what you need to know:

  • Employer or School Coverage: If you're employed or enrolled in school, check if they offer group health insurance. This is often the easiest and most cost-effective option.
  • Individual Health Insurance Plans: You can purchase a plan through the federal health insurance marketplace at healthcare.gov. Depending on your income, you might qualify for subsidies to lower your costs.
  • Extending Your Parent’s Coverage: Under the federal COBRA Act, you can extend coverage for a period of 18 months from your 26th birthday.  Under New Jersey law, however, a longer extension is available--until the adult child’s 31st birthday. This extension is known as New Jersey Dependent Under 31 Coverage or simply, DU31.

What is DU31 Coverage?
DU31 allows eligible adults in New Jersey to remain on their parent's group health insurance until their 31st birthday. This extension offers the same coverage as dependents under the parent's plan but comes with specific rules and costs.

  • DU31 coverage is not automatic. You must elect to obtain coverage. 
  • The health care insurance is exactly the same as the insurance provided to dependents by the parent’s group health care plan.  
  • The insurance is not free. You pay 102% of the premium for the group health insurance plan. The employer does not pay any share of this premium. 

There are some limitations on DU31. To qualify:

  • The parent must be enrolled in a group health insurance plan provided by an insurance company located in New Jersey (or the State Health Benefits Plan).
  • The parent must have coverage that includes dependents. If the parent terminates coverage, the your DU31 coverage terminates.  
  • You cannot be enrolled in another group health insurance plan or Medicare.
  • You cannot be married or in a civil union, and cannot yourself be a parent.

Within these limitations, DU31 coverage is broadly available.  DU31 does not require that the adult child:

  • be low income or economically dependent on the parent;
  • live in the same house with the parent;
  • exhaust coverage continued through COBRA;
  • be ineligible for other coverage;
  • have previously been covered under a parent’s group health insurance; or
  • demonstrate insurability, i.e., absence of prior health conditions.

Also, your parent is not required to be a New Jersey resident.

You must apply for DU31 coverage within a period extending from 30 days before your 26th birthday to 30 days after. If you do not apply then, you may apply during any subsequent open enrollment period for your parent’s group health insurance. Under DU31, you may obtain benefits, terminate benefits, and re-obtain benefits any number of times before your 31st birthday.  

You can apply through your parent’s employer or through the insurance company that provides your parent’s group health insurance. 

The DU31 can come with a variety of nuances. For more details, visit https://www.nj.gov/dobi/division_consumers/du31.htm.

 

ACNJ’s 9th Annual Breakfast Celebration Recap

Posted on December 9, 2024

Seeing new and familiar faces at ACNJ's 9th annual breakfast was wonderful! This event would not be possible without our generous supporters. Thank you to everyone who joined us to celebrate what we accomplished this past year and helped make it a success. Watch highlights of ACNJ's work in 2024 below.

2024 Annual Breakfast Thanks Sponsors

In addition to celebrating our wins for children, we listened to an engaging panel discussion on linking food security and wellness for New Jersey's kids.

Special thanks to our moderator, Justin Kiczek, member of ACNJ Board of Trustees and our panelists: Mark Dinglasan, Executive Director of the New Jersey Office of the Food Security Advocate and Elizabeth McCarthy, President and CEO of the Community FoodBank of New Jersey.

Highlights video of ACNJ's 2024 work.

Watch the panel discussion.

ACNJ’s Testimony at the Joint State Assembly Committee Hearing on Child Care

Posted on November 22, 2024

On November 14, the Assembly Aging and Human Services Committee and the Assembly Children, Families, and Food Security Committee heard testimony from invited speakers concerning the condition of child care in New Jersey and how the State's child care industry can be sustained and expanded. Watch ACNJ testimonies.

Winifred testifies on how the current child care model is not sustainable and provides examples.

Shadaya urges targeted investments for the financial stability of providers, fair compensation for child care professionals, and greater access to affordable care for families.

Listen to voices from the field!

We Need a Y.E.S. – A Youth Expert Stakeholders Video Series

Posted on November 15, 2024

Too often, those most affected by challenges are excluded from discussions about solutions. Youth, in particular, are usually overlooked as experts in their own lives, and their efforts to engage in these conversations are often dismissed and met with a resounding "no." The “We Need a Y.E.S.” video series aims to change that. These interviews feature Youth Expert Stakeholders (Y.E.S.), providing a platform for them to share insights with people. The goal is to highlight the unique expertise of youth with lived experiences, identify gaps in current support systems, and present solutions from their perspective.

Stay tuned for more stories from youth expert stakeholders.

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