N.J. Admin. Code § 17:6-8.5
If a participant failed to designate a beneficiary (including a failure because the participant's beneficiary designation is invalid or ineffective) or no beneficiary designated by the participant is living or exists when the distribution otherwise would become payable, the participant's beneficiary or beneficiaries designated with respect to his or her group life insurance benefit under the Group Life Insurance Plan is the beneficiary to the extent of the failure or invalid or ineffective designation. If there is no designated beneficiary with respect to the participant's Group Life Insurance Plan benefit, then the participant's estate is the beneficiary to the extent of the failure or invalid or ineffective designation. For the purposes of this setion, the Plan Administrator may rely on an appropriate court order or the personal representative's written statement as to the identity (including name, address, and taxpayer identifying number under IRC § 6109) of and shares allocable to the persons entitled to such estate.
N.J. Admin. Code § 17:6-8.5