Disability Insurance in New Jersey
Protect Your Income. Prepare for the Unexpected.
Your ability to earn a living is one of your greatest assets. At BEW Financial Solutions, we help individuals and business owners across the North Jersey area secure disability insurance that keeps income flowing if injury or illness puts work on hold.
What Does Disability Insurance Cover?
Disability insurance provides income replacement if you become unable to work due to illness or injury—helping you pay bills, support your family, and maintain your financial stability during recovery.
Types of Disability Insurance Coverage We Help You Understand:
What Does Life Insurance Cover?
Life insurance is more than a payout—it’s a plan that ensures your family’s future stays on track, even if you’re no longer there to lead it. From mortgage protection to legacy planning, the right policy offers financial security and peace of mind.
Types of Life Insurance We Offer:
Term Life Insurance
Affordable, time-limited protection designed to cover your family during key years—like raising children or paying off your home.
Whole Life Insurance
Lifelong coverage that builds cash value over time. A great option for estate planning, final expense coverage, or long-term savings.
Universal Life Insurance
Flexible protection that combines lifelong coverage with adjustable premiums and a savings component.
Final Expense Insurance
A simple, affordable way to ensure funeral costs and other end-of-life expenses are covered—so your family isn’t left with unexpected bills.
Short-Term Disability
Provides a portion of your salary for a limited time—usually a few weeks to months—following an illness, injury, or surgery.
Long-Term Disability
Kicks in after a waiting period and covers a percentage of your income for extended periods—often years or until retirement age.
Private Disability Policies
Supplement employer coverage or provide protection if you’re self-employed. Policies can be customized with cost-of-living adjustments and other benefits.
Self-Employed & Business Owner Plans
Specialized coverage options for entrepreneurs, independent contractors, and professionals without access to group benefits.
Why North Jersey Professionals Choose BEW for Disability Insurance
We Treat You Like Family
You’re more than a policyholder. We take the time to understand your lifestyle, your income, and your priorities before recommending a plan.
Independent, Not Tied to One Carrier
We compare disability plans from top-rated insurers to help you find the best coverage and pricing for your situation.
Trusted Since 1996
With decades of experience in North Jersey, we’ve helped clients protect their paychecks—and their peace of mind—for generations.
Local, Personalized Guidance
We break down the fine print, define what “disability” means in real terms, and ensure your policy matches your real-life needs.
What is disability insurance and why do I need it?
Disability insurance provides income if you’re unable to work due to a medical condition. It’s essential protection—especially for self-employed individuals or those without employer benefits.
What’s the difference between short-term and long-term disability insurance?
Short-term covers temporary disabilities, often up to 6 months. Long-term offers ongoing income support that can last years or until retirement, depending on the policy.
Will my employer’s disability plan be enough?
Most employer-sponsored plans only cover a portion of your base salary and often exclude bonuses or commissions. A private policy can fill the gap and travel with you if you change jobs.
How much of my income can I replace with disability insurance?
Most policies cover 50%–70% of your gross income. We’ll help you determine how much coverage you need to maintain your lifestyle.
Can I get coverage if I’m self-employed?
Absolutely. We offer customized disability insurance options for business owners, freelancers, and independent professionals.
Let’s Protect Your Paycheck—Before You Need To
We’ll help you secure the right disability insurance plan so you can focus on recovery, not lost income. Let’s get started.