In New Jersey and around the country, many employers chose to develop health care plans for their employees that are governed by ERISA (the Employment Retirement Income Security Act of 1974). Because these programs often do not operate exactly like a private health...
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...
Social Security replaces a portion of your income when you retire. New Jersey retirees will begin receiving benefits at the federal retirement age between 66 and 67 years old. Social Security bases your benefit payment on your highest 35 years of earnings. Social...
If you are unable to work because of a disability, you may be wondering if you are eligible for Social Security Disability Insurance (SSDI). The answer is: it depends. Do you have a serious disability? The Social Security Administration (SSA) defines a disability as...
The Social Security system is one of the largest bureaucracies in New Jersey and the rest of the United States. Decisions that it makes often take time and effort from processors and medical professionals. In some instances, this time is unnecessary and can be harmful...
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...
Many New Jersey residents depend on Social Security Disability Insurance (SSDI) for income after experiencing a disabling condition that prevents them from earning full-time gainful employment. If your physical or mentally disabling condition prevents you from...
Your ability to make a living in New Jersey and enjoy life is critical. If you were to be suddenly faced with a disability that prevents you from working for months or years, the business you spent years building, your savings or even your job will be at risk....
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 -...
The Employee Retirement Income Security Act (ERISA) was passed to protect retirement savings for New Jersey and the nation's employees. The act illustrates guidelines for employers' management and distribution of retirement funds. ERISA covers most employee retirement...