New Jersey Disability Income Insurance Information
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.
New Jersey Disability Income Insurance will provide you with an income
should you become sick or disabled.
Even with benefits such as New Jersey 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).
Disability Insurance Coverage Features - NJ
New Jersey 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
New Jersey 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.

Review the types of individual disability insurance we offer
residents of New Jersey by clicking on a link below.
New Jersey Short Term Disability Income 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 New Jersey Workers Compensation insurance does not apply.
You would begin receiving money from your New Jersey 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 Short Term
Disability Insurance policy that will provide excellent insurance coverage at an
affordable cost. Or speak with our Disability Insurance Agent Specialist to discuss the
features.
New Jersey Long Term Disability Income 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 New Jersey Workers Compensation insurance does not apply.
You can begin receiving money from your New Jersey 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.
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.
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 Long Term
Disability Insurance policy that will provide excellent insurance coverage at an
affordable cost. Or speak with our Disability Insurance Agent Specialist to discuss
the features.
Benefit periods of 2 & 5 years!
Short waiting periods 7, 14, 30, and 90 days!
Guaranteed renewable to age 65
24 hour coverage - on or off the job!
$2,500 Accidental Death Benefit included!
No restrictions on how the money is used!
No benefit reduction at age 65!
Answer a few questions and
we will provide you with a
quote by email or phone.
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Jersey Personal, Employee
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We are your local northern New Jersey insurance agency, offering affordable disability
income insurance policy premiums to residents in the following cities and counties:
Succasunna, Boonton, Boonton Township, Brookside, Budd Lake, Butler, Cedar Knolls,
Chatham, Chester, Convent Station, Denville, Dover, Dover Annex, East Hanover, Fayson
Lakes, Flanders, Florham Park, Gillette, Green Village, Greystone Park, Hibernia, High
Crest, Ironia, Kenvil, Kinnelon, Lake Hiawatha, Lake Hopatcong, Lake Intervale, Landing,
Ledgewood, Lincoln Park, Lindy Lake, Long Valley, Lower Montville, Lyonsville, Madison,
Mendham, Meriden, Millington, Mine Hill, Montville, Montville Township, Morris Plains,
Morristown, Mount Arlington, Mount Freedom, Mount Olive, Mount Tabor, Mountain Lakes,
Netcong, New Vernon, Parsippany, Pequannock, Pequannock Township, Picatinny Arsenal,
Pine Brook, Pinebrook, Pompton Junction, Pompton Plains, Powerville, Ralston, Randolph,
Riverdale, Rockaway, Rockaway Valley, Schooleys Mountain, Stirling, Tabor, Taylortown,
Towaco, Troy Hills, Wharton, Whippany, Stanhope, Hopatcong, Espanong, Hurdtown,
Cranberry Lake, Andover, Greendell, Woodport, Springdale, Oak Ridge, Milton, Sparta, Lake
Lenape, Newton, Ogdensburg, Saxton Falls, Johnsonburg, Allamuchy, Vienna,
Hackettstown, Beattystown, Marksboro, Hope, Townsbury, Washington, Newark, 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, Somerset, Milltown, South River,
Bound Brook, Somerville, Bridgewater, 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, Morris County, Sussex County, Somerset County,
Pasaic County, Bergen County, Hunterdon County, Union County, and Warren County, NJ.
We also offer disability insurance services throughout the state of New Jersey, including the
greater New York City area.
Your Life Solutions