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In New Jersey, many disability companies offer policies with the term “own occupation” and many who purchase those policies believe that they are covered should they be unable to perform their job duties after an injury. However, it is important to understand what the...
Filing an ERISA disability claim in New Jersey can seem like a long, drawn-out process. It's quite possible that your claim might get denied at first, but you can always file an appeal. The regulations of filing an appeal will depend on your employer as well as the...
Some employees in New Jersey who have retirement plans may be affected by a case that the U.S. Supreme Court has agreed to hear. The issue at stake is one that district courts have different opinions on. A decision by the Supreme Court would resolve a dispute over the...
The Employee Retirement Income Security Act (ERISA) requires that your employer provide all necessary information to you about your retirement, health, and disability benefits. If your benefits package through your New Jersey employer comes with a long-term disability...
Many people in New Jersey have short- or long-term disability benefits provided as a part of their employee benefits packages. Short- and long-term disability can provide important financial safety nets for workers who suffer illnesses or accidents that leave them...
U.S. Department of Labor amendments to the Employee Retirement Income Security Act became effective on April 1, 2018. Among the changes, regulators included a rule that granted disability benefit claimants the right to see and respond to new evidence used by insurers...
ERISA protects New Jersey employees who hold health plans through a private employer. This is known formally as the Employee Retirement Income Security Act and it helps to set minimum standards for employers who establish these private health plans. Recently, the...
Many New Jersey residents are participants in group plans offered by the companies that they work for and that are governed by the provisions of the Employee Retirement Income Security Act. Despite its name, ERISA covers more than just retirement plans, and the 1974...
New Jersey residents who decide to purchase a long-term care (LTC) insurance policy are helping to ensure that in the event of advanced age or infirmity, their family members have access to help when they need it most. As you get older, you may need to have assistance...
The Employee Retirement Income Security Act of 1974 was designed for use as a guideline when workers in New Jersey and around the country claim benefits with private retirement and insurance plans. Individuals who may be included in this group vary widely among...