Establishes affirmative defense of Social Security hardship in certain eviction actions.

This New Jersey bill allows tenants facing eviction for non-payment of rent to use a federal interruption in their Social Security benefits as a legal defense. To qualify, tenants must prove that their benefits were stopped, delayed, or reduced by the federal government and that this loss directly prevented them from paying their rent. If a tenant provides this evidence, the court must pause the eviction process for up to six months or until benefits are restored, whichever comes first. Once benefits resume, the tenant must either pay all overdue rent or agree on a payment plan with the landlord, after which the eviction case should be dismissed. The law does not prevent courts from ruling that a tenant was already behind on rent before the Social Security issue occurred.