By David S. Bross, Esquire While most Americans insure their lives and material assets, like their homes, cars, etc., many overlook the need to protect their most valuable asset  — the ability to earn an income. In my last column, I reviewed individual disability insurance (“D.I.”). This article will look at group disability insurance policies, commonly referred to as “LTD” policies. First, though, everyone should be familiar with New Jersey’s law, which provides up to six months of disability benefits. Continue reading
By David S. Bross, Esquire Julia Robertson (a pseudonym) is a 42 year-old mother of two.  After earning her associates’ degree in nursing, she worked full time as an RN for several area hospitals for 14 years.  When she decided eight years ago to stop working so that she and her husband could start and raise a family, she was earning over $75,000.00.  Julia had intended to return to work on a part-time basis when her youngest child entered kindergarten this past fall. Continue reading