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    <lastmod>2024-12-11</lastmod>
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      <image:title>Home - Benefits</image:title>
      <image:caption>Fringe benefits are available from private industry or state employment. Such benefits can be offered by the world’s largest multinational corporations, or tiny, mom-and-pop neighborhood businesses. Some of these benefit plans are covered by the federal Employee Retirement Income Security Act (“ERISA”). Other plans, including those available to state, county, and municipal employees, are generally subject to Title 43 of New Jersey Statutes.</image:caption>
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