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...
Is long-term disability insurance worth the cost?
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...
Disability insurance and wage protection
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...
Brief description of long-term care insurance
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...
Options for long-term care are changing
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...
The pros and cons of smaller long-term care homes
Many New Jersey residents will need some type of long-term care when they grow older. Planning for potential long-term care needs well in advance might help people better afford the types of care that they might require. Most people do not want to go to skilled...
The average costs of private long-term disability
Every worker faces the risk of becoming disabled and needing years of an alternate source of income. Millions of workers have benefited from receiving disability income insurance. The first step is to know how much a long-term disability policy in New Jersey will...
Knowing the different types of long-term disability insurance
Due to an injury at work, an individual may suffer a long-term disability. The situation requires insurance that provides an income for the injured party. With insurance payments, the injured worker can continue paying bills, buying groceries and meeting other...
Why your long-term disability coverage may be denied
Anyone applying for long-term disability insurance in New Jersey can do themselves a big favor by reviewing the common causes for denial. Being prepared for the potential rejection and understanding the likelihood of it happening may help to get through this sometimes...
The basics of long-term disability insurance
Injuries are a part of life in New Jersey; however, they can be very devastating if they are limit your ability to work. Thankfully, with long-term private disability insurance, you can take care of your needs and those of your family if you are unable to work because...
