Joining an ERISA-regulated retirement plan may leave you wondering if there are any restrictions on whom you can name as a beneficiary. Whomever you name will receive the benefits of your plan after your passing. Naturally, most people want these benefits to go to a...
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...
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...
Amidst the clamor of today's fast-paced world, the profound significance of mental health can sometimes elude our collective awareness. Mental health impacts every aspect of our lives, just as our physical health does, yet it's often stigmatized. While more people are...
Employees or workers rely on their benefits to secure their income even if they suffer a disability. Specific disabilities could use one or more insurance policies to cover expenses. However, these coverages have limitations based on their purpose and features. As a...
After decades of working physically demanding jobs, as an older blue-collar worker, you may be unable to continue due to a disabling condition. With limited options to transfer to a new line of work, you may struggle to make ends meet and access the support you need....
New Jersey is a state full of avid football fans. Whether you root for the local USFL team, the New Jersey Generals, or a nearby NFL team, it's hard to deny that football is a hard-hitting sport. However, ten former NFL players, including Willis McGahee, Jason Alford,...
An applicant who applies for Social Security Disability in New Jersey has a decent chance of approval. That’s because New Jersey approves around 52 percent of its SSD claims. That’s a significant amount compared to the approval rates for most other states. However,...
The Employee Retirement Income Security Act (ERISA) is a federal law that establishes minimum requirements for retirement and health care plans of private companies. It protects employees and their beneficiaries by setting a higher standard for employers to follow if...
Though Social Security Disability Insurance (SSDI) is of great help, it only covers total disabilities, which can leave room for financial concerns. This is why it is good to have other sources of benefits, such as Medicare and Medicaid. However, Medicare has a...