New Jersey Group Disability Insurance Information
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 for your New Jersey business is an excellent
employee benefit incentive for acquiring and maintaining
Learn much more below about both Group Long Term
Disability Insurance and Group Short Term Disability
Insurance.
Group Long Term Disability Insurance - NJ
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.
New Jersey 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.
Key Features:
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 a New Jersey
group employee long term disability insurance plan that regardless of
whether you're a large employer or a small business, will provide
exceptional long term disability insurance coverage for your businesses
most important asset...your employees. Or speak with our New Jersey
Business Insurance Specialist to discuss the features.
Group Short Term Disability Insurance - New Jersey Business
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.
A short term disability insurance plan for your New Jersey business will 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.
Key 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.
Click on the link below to fill out a quote request form for a New Jersey group
employee short term disability insurance plan that regardless of whether you're a
large employer or a small business, will provide exceptional short term disability
insurance coverage for your businesses most important asset...your employees.
Or speak with our New Jersey Business Insurance Specialist to discuss the
features.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Answer a few questions and
we will provide you with a
quote by email or phone.
Choose the northern New
Jersey Personal, Employee
Benefit or Commercial
insurance coverage you're
interested in from above.
Business Insurance
Group
Employee Benefits
Group Disability
Income Insurance
employees and the cost is relatively low in comparison to
other employee benefits.
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We are your local northern New Jersey insurance agency, offering comprehensive group
disability insurance services to businessess 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 group disability insurance services throughout the state of New Jersey,
including the greater New York City area.
Your Life Solutions