Coordinated benefits
I live in NJ but am in the same situation that you are. You can contact your private carrier for an explaination which is specific to your coverage. In my case the private carrier pays 66.6% of salary. Since they coordinate with WC, which pays 70%, I am only entitled to their minimum benefit. (about $250.00/Mo.) If I can't ever return to my current occupation, and WC benefits stop, then they will pay 66.6% of salary. Good luck.