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Do you need supplemental disability insurance?

On Behalf of | Oct 28, 2022 | Long-Term Disability Insurance

If you work in New Jersey, you may wonder what would happen if you had a sudden injury that left you unable to perform your usual tasks.

Will my employer’s plan cover it?

Under New Jersey state law, most employers are required to offer worker’s compensation for employees who are injured on the job. However, the law only entitles workers to 70% of their weekly salary, which can be difficult for people without a lot of extra money. The law also only covers employees who have been injured on the job.

In what other situations might I need personal disability insurance?

There are many other situations where long-term disability insurance can be helpful, including, but not limited to:

– Parents of physically or mentally disabled children may also qualify to receive financial assistance to help take care of their children

– Blue-collar workers over 50 years of age whose income is dependent on their physical health and may not be suited to office jobs

– People who are at risk for unforeseen illnesses that could prevent them from being able to return to work for long periods

– Anyone of any age who wants to make sure they are protected in case of an accident or illness

Is it easy to sign up?

Private disability insurance can be very difficult to sign up for, as it often requires submitting medical forms and many other pieces of paperwork. There are several types of disability insurance available, which can require some research before an application can be made.

There are many reasons why a person would want or need to sign up for private disability insurance, some as simple as wanting to make sure they can pay the bills if they fall ill or get injured outside of their workplace.

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