Having to submit a long-term disability claim is never what anyone wants to do, but sometimes, it is what they have to do. After all if a disability prevents you from working, you need those benefits to survive, and it is why you purchased your long-term insurance in...
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Filing an ERISA appeal in New Jersey
Many workers in the United States work for employers who provide pension and insurance plans. Typically, these plans comply with the requirements of the Employee Retirement Income Security Act of 1974, also known as ERISA. Filing an ERISA claim for long-term...
What factors determine how much a long term disability policy costs in New Jersey?
In New Jersey, a long-term disability insurance policy provides a source of income for people who become disabled and cannot work. In addition, it provides a way to keep an individual's or family's finances stable during a prolonged or permanent absence from the...
Long-term disability insurance vs. Social Security
Social Security Disability Insurance serves as a safety net for those who are unable to work and formally deemed disabled. Paid for by Social Security taxes, benefits allow them to generate income for themselves and their families. Paying in does always mean automatic...