Deciding to get long-term disability insurance is like facing a choice between two important job offers. On the one hand, there's private insurance. This choice offers a customizable package tailored to your unique circumstances. It is like a job role that aligns...
Some workers and employees face occupational risks regularly. They could implement strict safety regulations but suffer severe injuries due to inevitable accidents. These incidents could cause medical conditions or disabilities that last a long time. Fortunately, they...
There are many hard-working adults in New Jersey who work diligently to provide for themselves and their families. Unfortunately, illnesses or injuries can instantly jeopardize your ability to earn money. However, you could receive money through long-term disability...
Accidents and illnesses can happen to anyone, anytime. Even if you have health insurance in New Jersey, it may not be enough to cover the costs associated with a disabling injury or illness. That's why supplemental long-term disability insurance is so important. It...
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...
