If you are a New Jersey resident and are unable to work, you might be able to apply for Social Security Disability Insurance benefits. This can supplement your income in the case of total disability. However, you'll have to meet certain qualifications before you can...
Common ERISA violations
New Jersey and every other state in the union must adhere to ERISA law. ERISA is a system that seek to protect employees from private employers who offer their employees certain plans such as profit-sharing and health care plans, to name a few. Private employers must...
IRAs, disabilities and workers
Several different instruments are available for retirement savings. Many New Jersey residents have a 401(k) or 403(b) through their employers. Recently, the idea of automatic IRAs has been gaining ground. They provide important advantages for small employers. They're...
A valuable primer on long-term disability insurance benefits
For physically challenged workers unable to perform their jobs for extended periods, long-term disability insurance is a solid option that just may prevent them from financial disaster. Long-term disability insurance benefits usually pay workers 40% to 60% of their...
