The NJ 2450 form for excess amounts for NJ insurances is only filed if you have more than one employer. This form can be filed with your tax return and the amount of the refunded insurances is included in your total refund already. Unfortunately, your NJ return will needed to be mailed in. Instructions that will get printed with your NJ return will tell you what you need to do, where you need to mail the return, and what forms you will need. A copy of both W-2 forms will get mailed in along with the 2450 form (that needs signed and dated) along with your NJ 1040 (that will also need signed and dated.
The wording on the TurboTax page is stating what you need to do if you only had one employer and you had excess NJ insurances withheld. In that instance, you would have to work with your employer to get the excess insurance payments refunded and you wouldn't be allowed to file NJ 2450.
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