Serving all of New Jersey
Disability Insurance in New Jersey
Your ability to earn an income is your biggest asset. Disability insurance replaces a portion of your paycheck if illness or injury keeps you from working — something NJ's state temporary disability only partially covers.
What's included
- Short- and long-term disability
- Own-occupation definitions
- Coverage for self-employed
- Supplements NJ TDI and employer plans
- Business overhead expense coverage
Who it's for
- Professionals and tradespeople
- Self-employed workers
- Primary household earners
Disability Insurance FAQs
Doesn't my employer already cover me?
Group plans often cap benefits and may be taxable. An individual policy you own can fill the gap and goes with you if you change jobs.
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