New Jersey Disability Insurance
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.
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 secure quote request form for a New Jersey Short
Term Disability Insurance policy that will provide excellent insurance coverage at an
affordable cost. Or you can speak with our New Jersey Disability Insurance agent
specialist at 201-796-6303 to discuss the 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 secure quote request form for a New Jersey Long
Term Disability Insurance policy that will provide excellent insurance coverage at an
affordable cost. Or you can speak with our New Jersey Disability Insurance agent
specialist at 201-796-6303 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!
**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.
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Abbey's Financial
27 Broadway
Elmwood Park, NJ 07407
Bergen County, NJ
(201) 796-6303
Fax: (201) 796-5039
New Jersey
Personal Insurance
Disability
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We are a local Bergen County, NJ insurance agency, offering affordable New
Jersey disability insurance policy premiums to residents of the following cities and
counties: Elmwood Park, Paterson, Garfield, Saddle Brook, Clifton, Preakness,
Paramus, Bergenfield, Englewood, Teaneck, Maywood, Bogota, Hackensack,
Teterboro, Little Ferry, Moonachie, Leonia, Palisades Park, Fort Lee, Englewood
Cliffs, South Hackensack, East Rutherford, North Bergen, Ridgefield, Secaucus,
West New York, North Arlington, Kingsland, Nutley, Rutherford, Belleville,
Carlstadt, Woodridge, Lyndhurst, Wallington, Passaic, Lodi, Rochelle Park,
Bloomfield, Montclair, Great Notch, Totowa, West Paterson, Little Falls, Verona,
Cedar Grove, North Caldwell, Singar, West Orange, Fair Lawn, Glen Rock,
Hawthorne, Wayne, Haledon, River Edge, Tenafly, Cresskill, Closter, Oradell,
Emerson, Ridgewood, Midland Park, Westwood, Waldwick, Wyckoff, Franklin
Lakes, Pompton Plains, Lincoln Park, Old Tappan, Hillsdale, Oakland,
Pequannock, Lake Hiawatha, East Orange, Newark, Hudson County, Passaic
County, Essex County, and Morris County, NJ. We can also offer our disability
insurance coverage's throughout New Jersey.
Abbey's Financial Advisory Services, Inc.
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