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...
New Jersey residents understand how quickly things can change when they cannot work for an extended period. Long-term disability insurance is a supplemental policy that can help cover expenses while recovering from a disability lasting longer than three months. What...
Getting injured on the job is the reality for many, especially those who work in labor-intensive work environments. To protect yourself, knowing and understanding the offerings of disability insurance can mean the difference between paying your bills on time and...
Long-term care (LTC) insurance is designed for people with chronic medical conditions that make everyday living difficult. Recipients in New Jersey receive daily assistance that extends for years or decades. LTC is needed for daily activities and differs from other...
Are you currently paying for long-term care in New Jersey for yourself or a loved one? If so, you should be aware that your payment options may be about to change. This is due to the aging of the baby boomer generation. The cost of long-term care for the elderly is...
