Disability Insurance

NJ Disability Insurance

One of your most important assets is your ability to make a living. There are circumstances in which through illness or injury your ability is incapacitated. In these times you can collect disability insurance to help you through this difficulty. If you are self-employed or your coverage through your employer is nonexistent or inadequate you need this coverage.

Employer-sponsored disability insurance usually pays only a portion of your base salary, up to a cap. It also does not cover bonuses or commissions. Generally, you cannot replace more than 75% of your income from all the coverage combined. Buying your own policy does allow you to customize your options such as cost of living adjustments. In addition, you know you always have your coverage regardless of where you are employed.

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The Different Types of Disability Insurance

There are two main types of disability insurance — short-term and long-term coverage. Both replace a portion of your monthly base salary up to a cap during disability. Some long-term policies may cover additional services, such as training to return to the workforce.

However, you chose to deal with disability insurance you should remember a few things.

  • Determine how much of your income would you need to replace to maintain your lifestyle if you became disabled and could not work?
  • How long could you wait before the disability benefits kicked in?
  • How long would you want the benefits to last?
  • How broadly would you define “disability?”

Disability insurance is one of the things we can help you with here at BEW Financial Solutions. Please feel free to call us at 973 831-2188 or complete the form here on our website to follow up.

Wherever your needs fall we are here to guide you and work with you to your best solutions.

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BEW: The Right Fit

Since insurance is such an important part of our life planning you should speak to someone who knows the information you need to know.  You need to talk to someone who understands how important this is to you and your family. You need someone who can treat you like family.

Knowledge and compassion fit are what BEW is about. We have been in the business for over twenty years. We are a local small business that has been a part of our community for many years. We have raised a family and helped many local families as well.  We love to educate our clients about the different aspects of insurance and find what is best for them.  We want you to understand and are always here to help.

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Client Feedback

Great people, very kind and will go above and beyond to help with whatever you need.
Dani Kay
15:16 09 Dec 19
Bruce and Ellie's caring and understanding for our clients, along with their expertise is why we are confident in recommending BEW Financial Solutions again and again.We ourselves use their services for our business and our families.~~ Sensible Daily Money Managers, LLC
Sensible Dmm
20:24 13 Nov 19
Very helpful and friendly. Even offered us hot tea or coffee when we came in for help for health insurance. Highly recommend.
ChristinA Mendoza
18:53 10 Dec 17
Great people, very kind and will go above and beyond to help with whatever you need.
Dani Kay
15:16 09 Dec 19
Bruce and Ellie's caring and understanding for our clients, along with their expertise is why we are confident in recommending BEW Financial Solutions again and again.We ourselves use their services for our business and our families.~~ Sensible Daily Money Managers, LLC
Sensible Dmm
20:24 13 Nov 19
Very helpful and friendly. Even offered us hot tea or coffee when we came in for help for health insurance. Highly recommend.
ChristinA Mendoza
18:53 10 Dec 17
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Contact BEW Financial Solutions today to speak with an advisor.

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