No one ever expects to become disabled. But it can happen without any notice, and if you’re not prepared, you can face significant financial struggles. That’s why many New Jersey residents turn to private long-term disability and ERISA plans for coverage. These...
Long-Term Disability Insurance
What additional features might a private LTD insurance offer?
Many people get Private Long-Term Disability insurance to protect their financial well-being. It is especially important for people who have a high risk of getting a long-term disability, like people who work in dangerous jobs or have a family history of disabilities....
Obtaining disability benefits when MS becomes severe
While many in New Jersey and around the nation can lead normal lives with multiple sclerosis, the condition can sometimes become severe enough that disability benefits are needed to care for financial obligations and pay for healthcare costs. The type of benefits...
Is SSDI voided if I have private long-term disability insurance?
For those who have private long-term disability insurance, you are the kind of person that plans ahead. If you need it, you may wonder whether you can still apply for Social Security Disability Insurance as well. SSDI is, essentially, federal long-term disability...
Private disability insurance vs. ERISA plans: pros and cons
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...
What do long-term care policies cover?
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...
Everything you need to know about long-term disability claims
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...
A guide to supplemental long-term disability insurance in New Jersey
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...
Can I collect SSDI and long-term disability insurance?
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...
Do I need physician disability insurance for my practice?
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...