Four gaping holes remain in the NJ state disability safety net. Not everyone has coverage, the benefits last only twenty-six weeks, Social Security pays little and is hard to get, and Workers Compensation only helps with occupational events.

Buying long-term disability insurance from a private company is the best way to fill these four gaps. Do not wait.


When a family member needs to utilize the health care system, one or both parents sometimes need to stop working. This happens most frequently with growing families having babies.

New Jersey family and maternity leave laws provide partial income replacement and extend federal job-protections and rights.


New Jersey augments traditional health plans with a rare, but a very valuable government program. The temporary disability benefits replace up to 85% of a worker’s gross income, up to a hard dollar cap, which increases slightly every year.

The program applies to people who work in NJ, not residents. Many residents cross a river every morning on their out-of-state commute and lose access.