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...
If you are eligible for Medicare benefits in New Jersey, there are two types of advantage plan options available to you. You can choose to enroll in a Medicare Advantage plan or purchase a Medigap policy. While both options can help you cover your medical costs, they...
Mental and nervous conditions like post-traumatic stress disorder and depression may hinder you from working or going about your daily life. Sadly, some insurance companies may limit coverage or refuse to insure you on the account that it is not an actual disability -...
Short-term disability is defined differently from long-term disability based on the length of the payments and other factors. There are advantages and disadvantages of each type of insurance policy and some people have both. Understanding the similarities and...
Life is uncertain for New Jersey residents. An accident can occur that prevents you from continuing to work. You might need to sign up for long-term disability insurance to replace your income. What is long-term disability insurance? Long-term disability insurance...
If you become disabled in New Jersey and can't work, it may be difficult to make ends meet and pay for housing and food. Fortunately, government assistance programs have been created to help individuals in this position. However, following the regulations for each one...
Residents of New Jersey might want to learn more about ERISA long-term disability and the reasons that CIGNA claims are often denied. There are several reasons why this might happen, and you do not want to be caught with a surprise. What is ERISA? The Employment...
