For over three decades, Joint Insurance Funds (JIFs) have modernized risk management for New Jersey local government. It’s a record of saving tax dollars and protecting the bottom line for New Jersey’s extraordinary hometowns. JIFs affiliation with MEL has saved taxpayers over $3 billion dollars—an unprecedented record on behalf of citizens. The NJ MEL App is a tool for quick references and information that optimizes municipal department's performance and service to the community.