NJ Disability Insurance Policy

The most valuable resource that anyone possesses is their ability to provide an
income. If everything else that you own or care about is insured and this ability is
removed there may be no way possible to pay the premiums on other insurance or
even to keep that which is insured. Disability insurance will provide you with an
income should you become sick or disabled.

Even with benefits such as Workers' Compensation and
Social Security, individual disability insurance benefits
are still important. A disability financially can be worse
than death, since living expenses continue and may
increase due to a need for expensive specialized care.
Many people also purchase disability insurance to help
ensure a continuous income should they suffer
disabilities that are not covered by Social Security.

Individual disability insurance coverages pay a
percentage of your salary if you become temporarily
disabled, meaning that you are not able to work due to
sickness or injury (excluding on-the-job injuries, which
are covered by workers' compensation insurance).

We also offer affordable disability insurance policies 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.

"Your Local New Jersey Disability Insurance Policy Specialist!"

Individual Disability Insurance Coverage Features

Disability insurance policies have a fixed monthly
benefit that does not increase with time, although you
can purchase extra coverage, or riders, that offer
higher payment schedules.

Disability types include: Own Occupation - the inability
to perform the duties of your specific occupation or Any
Occupation - the inability to perform the duties of any
job for which your education and training make you
qualified.

You can choose the length of the waiting period on your
disability insurance policy. Waiting periods can range
from one week to two years and the longer you wait the
less your disability insurance policy will cost.

You also can choose the length of the benefit period,
which is how long you will receive monthly benefits once
your disability insurance policy starts paying.

Short Term Disability Insurance Policy Features

Short term disability insurance is sometimes referred to
as Accident and Sickness insurance. It provides benefits
for a limited period of time, typically 26 weeks or less.
Short term disability usually provides coverage for
accidents or illnesses outside of work when Worker's
Compensation insurance does not apply.

You would begin receiving money from your short term
disability insurance policy within 1 to14 days after
becoming sick or disabled. The actual time for coverage
to begin depends on whether you suffer an illness or
injury. If you suffer an injury, your benefits will be paid
immediately. If you suffer an illness, it will take longer
because there needs to be sufficient time to show that
the illness is grave enough to be disabling.

You choose the amount of income (up to 66% of your gross income) from
$400 to $2000 a month when you can't work due to an accident or illness.

Benefit periods of up to 2 years!

Short waiting periods 1 to 14 days!

Click on the link below to fill out a quote request form for a New Jersey
Individual Short Term Disability Insurance policy that will provide excellent
disability insurance coverage at an affordable cost. Or discuss the features
with our Disability Insurance Agent Specialist by calling 732-680-4444.

Long Term Disability Insurance Policy Features

Long term disability insurance provides benefits for a limited period of time,
typically 2 or 5 years and is also usually guaranteed renewable until the age of 65.
Long term disability insurance usually provides coverage for accidents or illnesses
outside of work when Worker's Compensation insurance does not apply.

You can begin receiving money from your long term disability insurance policy
when the "waiting period" time chosen for the policy is reached. Typically, 6
months to a year is chosen for a waiting period in order to reduce your premium,
but shorter times are available.

Hospitalization Rider pays up to double your benefit per month

(for two months) if an injury or sickness puts you in the hospital!

Click on the link below to fill out a quote request form for a New Jersey
Individual Long Term Disability Insurance policy that will provide excellent
disability insurance coverage at an affordable cost. Or discuss the features
with our Disability Insurance Agent Specialist by calling 732-680-4444 .

New Jersey Disability Insurance Policy Information

Review the types of individual disability
insurance by clicking on a link below.

Short Term Disability Insurance Policy

Long Term Disability Insurance Policy

Click HERE to fill out a New Jersey Short Term

Disability Insurance Quote Request Form

You choose the amount of income (up to 66% of your gross income) from
$400 to $3000 a month when you can't work due to an accident or illness.

No benefit reduction at age 65!

No restrictions on how the money is used!

$2,500 Accidental Death Benefit included!

24 hour coverage - on or off the job!

Guaranteed renewable to age 65