NJ Area Employee Disability Insurance

Employee Disability Insurance Information - New Jersey Business

Disability insurance coverage is an important employee benefit because it helps
protect your employees most valuable financial asset...their income. It replaces lost
income for an employee if they are unable to work due to sickness or injury.

Group disability insurance is an excellent employee benefit incentive for acquiring
and maintaining employees and the cost is relatively low in comparison to other
employee benefits.

Learn much more below about both Employee Long
Term Disability Insurance and Employee Short Term
Disability Insurance.

Group Long Term Disability Insurance Plan

Each year on average, 12% of the adult U.S. population
suffers a long term disability and one out of eight
workers will suffer a five-year or longer disability before
the age of 65.

Group long term disability insurance plans provide
income protection for disabilities lasting three months or
longer. After the initial waiting period is completed, long
term disability insurance will provide a monthly income
which may continue until age 65 for qualified disabilities.
The monthly income provided under a policy is usually
60% of the employees pre disability income.

Benefits begin on the 91st day of disability.

Monthly benefit is 60% of pre-disability income.

Maximum monthly benefit is $5,000.

Benefit duration to age 65 for qualified disabilities.

Click on the link below to fill out a quote request form
for employee long term disability insurance that
provides dependable disability insurance coverage at an
affordable cost for your New Jersey businesses most
important assets, your employees. Or speak with our
Employee Disability Insurance specialist at 732-680-
4444 to discuss the features.

Benefits begin on the 1st day in the case of an accident

Benefits begin on the 8th day in the case of a sickness

Weekly benefit is 100% of pre-disability income for the
first 15 days.

Weekly benefit is 66% of pre-disability income from
day 16 through a maximum of 165 days.

Maximum weekly benefit is $1,000.

Benefit duration is 26 weeks.

Group Short Term Disability Insurance Plan

When an employee needs to be away from work for an
extended period or a non-work related disability like
maternity, illness, or injury, an employee can have
access to a short term disability program which provides
at least partial income protection. Short term disability
insurance is a more common employee benefit because
the chance of an employee being unable to work for a
short period is higher than the chance of being
permanently disabled.

Short term disability insurance plans provide weekly income for an employee
disability shorter than 3 months. Coverage is meant to bridge the gap between
a company's sick pay policy and the start of an employee long term disability
insurance plan.

Click on the link below to fill out a quote request form for employee short
term disability insurance that provides dependable disability insurance
coverage at an affordable cost for your New Jersey businesses most
important assets, your employees. Or speak with our Employee Disability
Insurance specialist at 732-680-4444 to discuss the features.

"Your Local New Jersey Employee Disability Insurance Agent!"

We also offer affordable employee disability insurance services to businesses located in the
following New Jersey counties and cities: Union County, Essex County, Bergen County, Passaic
County, Sussex County, Morris County, Warren County, Hunterdon County, Somerset County,
Middlesex County, Monmouth County, Mercer County, Burlington County, Clark, Newark,
Jersey City, Elizabeth, Rahway, Colonia, Iselin, Avenel, Woodbridge, Port Reading, Carteret,
Perth Amboy, Fords, South Amboy, Metuchen, Plainfield, Dunellen, South Plainfield, Green
Brook, Fanwood, North Plainfield, Cranford, Scotch Plains, Westfield, Union, Millburn,
Springfield, Mountainside, Gillette, Warren, Watchung, Stirling, Millington, Middlesex,
Martinsville, Piscataway, Edison, New Brunswick, Highland Park, North Brunswick, Sayreville,
East Brunswick, Somerset, Milltown, South River, Bound Brook, Somerville, Bridgewater,
Bayonne, Linden, Roselle, Hoboken, Union City, Weehawken, West New York, Guttenberg,
Cliffside Park, Edgewater, North Bergen, Secaucus, Fairview, Ridgefield, Fort Lee, Leonia,
Palisades Park, Englewood Cliffs, Englewood, Bergenfield, Teaneck, Paramus, Bogota, Ridgefield
Park, Little Ferry, Hackensack, Maywood, Teterboro, South Hackensack, Rochelle Park,
Moonache, Lodi, Hasbrouck Heights, Saddle Brook, Garfield, Elmwood Park, Woodridge,
Carlstadt, East Rutherford, Lyndhurst, Rutherford, Wallington, Passaic, Clifton, Paterson,
Totowa, West Paterson, Little Falls, Great Notch, North Caldwell, Cedar Grove, Verona,
Montclair, Bloomfield, West Orange, Glen Ridge, Belleville, Nutley, Kingsland, North Arlington,
Kearney, Harrison, East Orange, East Newark, Orange, Irvington, South Orange, Hillside,
Townley, Livingston, Wayne, Trenton, Camden, Atlantic City, Princeton, Vineland, Willingboro,
and Toms River, NJ.

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