Injuries are a part of life in New Jersey; however, they can be very devastating if they are limit your ability to work. Thankfully, with long-term private disability insurance, you can take care of your needs and those of your family if you are unable to work because...
The value of supplemental disability insurance
Disability insurance is a common benefit for employees, but the default options don't always provide enough coverage. If you live in New Jersey and you think that the base offerings available to you through work for disability insurance don't cut it, then you might...
How do you appeal a denial of your disability insurance claim?
If you are in New Jersey and need disability insurance, you will have to file a claim. It's common to have your claim denied on the first attempt, but that doesn't mean it's the end and that you will never be approved for benefits. You will need to know how to appeal...
What benefits will long-term disability policies cover?
If you have long-term disability insurance in New Jersey, it's important to know about riders. A rider is similar to an additional policy feature that can offer you even more coverage. It's understandable if you find this subject intimidating, so here's an explanation...
The definition of “disability” under your insurance policy
Dealing with a chronic illness, disease or severe injury can require plenty of rest, which may keep you from working or earning a living. If you are a resident of New Jersey, understanding the definition of "disability" under your long-term disability insurance plan...
What causes disability benefits to end?
When you begin receiving Social Security disability benefits in New Jersey, you will most likely continue to unless a medical evaluation shows you are able to work again at a defined income capacity. You need to report certain changes like beginning to work for Social...
Don’t give up if your disability insurance claim is denied
Many people applying for a disability insurance claim in New Jersey have their first application denied. At first glance, many people think that if they were denied, they don't qualify. Instead of giving up, appealing your claim could help you get the funds you need....
Private disability insurance may cover mental illness
Residents of New Jersey and the Hackensack area may want to learn how an insurance plan for disability can help when you can't earn an income from your job. In the case of mental illness, there may not be denial of a policy as a pre-existing condition. In fact, you...
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...
Understanding private long-term disability
Disability insurance in Hackensack, New Jersey, provides an income for those who can no longer work due to injury or illness. Some employs buy insurance through employers, but the insurance is only good for the duration of employment. Private long-term disability and...
