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...
There are a lot of misconceptions about SSD and private insurance in New Jersey. Some people think that if they have SSD, they don't need any other insurance. Others think that private insurance is always better than SSD. It's important to understand both types of...
A job can give you a sense of purpose while providing you with the opportunity to grow financially. Your injury may have put you out of work for a moment, and it qualified you to receive some monthly benefits to cover your basic needs in New Jersey. But now, you feel...
Every participating employer has to meet certain obligations under ERISA laws. The purpose is to protect the rights of employees who enroll in employee benefits plans to make sure they are fully compensated. New Jersey employers that provide group health plans have to...
ERISA is a federal law that regulates employee benefit plans. If you have been denied benefits under an ERISA-covered plan in New Jersey, here are some of your options. ERISA in New Jersey ERISA is the Employee Retirement Income Security Act of 1974. This law...
There are a lot of misconceptions about SSDI and Medicare in New Jersey. Some people think that they are the same thing, while others think that SSDI is just a precursor to Medicare. If you want to clear up any confusion, here's what you need to know. The difference...
Suffering an extended illness or injury can result in financial instability. This can be an unfortunate result of having to take time off from your job in New Jersey. The amount of time that you take can be more than your employer is able to grant. Loss of employment...
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...
The lines between SSDI and Medicare are blurred for New Jersey residents with disabilities and serious medical conditions. Recipients of Social Security Disability Insurance qualify for Medicare benefits with certain conditions. There are special requirements for SSDI...