By David S. Bross, Esquire

If you read my first two columns about disability insurance, you should now have a basic understanding of both the need to protect one’s ability to earn an income and the essential features of disability insurance policies.  What happens, however, if you actually suffer the misfortune of a disability, file a claim, provide all the necessary documentation to the insurance company and then have your claim denied (or terminated)? Continue reading

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