Working hard allows us to enjoy a certain standard of living throughout our lifetime. However, we do not stay young forever, and as we age, we are more prone to injuries and critical illnesses that can prevent us from continuing to work. Your entire life and career...
Many physicians in New Jersey expect that they will be able to recoup their years of schooling with decades of applying their knowledge in decades of practice. Yet, what happens when a doctor becomes disabled at a young age and cannot work for an extended period or...
Employees or workers rely on their benefits to secure their income even if they suffer a disability. Specific disabilities could use one or more insurance policies to cover expenses. However, these coverages have limitations based on their purpose and features. As a...
If you filed for disability benefits from various sources, you might notice a particular deduction from your private long-term disability insurance payments. You might think this is a mistake by your insurer, but it might not be the case if it is an offset. If you...
If you live in New Jersey, you may be considering disability insurance to protect yourself in the event of unexpected injuries or illnesses. There are several types of disability insurance available, including ERISA/Private Long Term Disability insurance. What...
Some employers provide their workers with private plans to protect their financial stability during tough times, such as injuries or health problems that cause life-altering disabilities. However, not all of them have the same terms and payment schemes. Here are the...
Disability insurance is a crucial safety net for many workers in New Jersey. It can provide some peace of mind in case of an unexpected illness or injury. However, there may be a false sense of security among workers with disability insurance through their employer....
It's important to understand the distinction between long-term care policies and other health plan types in New Jersey. Although they may seem to work similarly, they differ in many ways. Which insurance types offer long-term care? With standard health insurance and...
Many employees in New Jersey and around the country have health plans through their employers that are regulated by the Employee Retirement Income Security Act (ERISA). This law establishes the standards and procedures for making claims for benefits and appealing...
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...
