Disability insurance in NJ is a type of insurance that makes sure you have income coming in even when you’re sick or injured and unable to work. As important as disability insurance is, it’s often overlooked. People usually don’t imagine themselves suffering a long-term disability, especially when they’re young and healthy. However, over 1 in 4 of today’s 20-year-olds will face a disability before they retire. 

While we recommend disability income insurance for many clients, here are the types of people who can benefit most from this coverage. 

Sole Providers of the Family 

If you are the sole provider of the family, you’ll definitely want to consider disability insurance. If you get sick or injured and can’t work, your livelihood could be in jeopardy. How will you pay the mortgage and the bills without a paycheck? Luckily, disability insurance is designed to fill this gap and provide you with the money you need to live while you heal. 

Those with Physically Demanding Jobs 

Do you have a physically demanding job such as construction, nursing or physical therapy? If so, you’ll benefit from having disability insurance. Demanding jobs like these are more likely to take a toll on your physical health becuase you’re on your feet all day, working long hours, lifting patients, etc. If you are suddenly unable to work due to an injury, disability income insurance will pick up your bills. 

Parents with Minor Children 

If you have children under the age of 18 living at home, it’s worth looking into disability insurance. Getting sick or injured at work doesn’t stop you from having to care for your family. Disability income insurance in NJ will provide you with the income you need to pay the bills, put food on the table and bring the kids to the doctor. 

People with Recurring Injuries 

For some people, once they suffer one injury, they’re more likely to suffer another. If you’re someone who gets frequent injuries, you’ll definitely want to consider disability income insurance. This way, you’ll have the peace of mind that you can rest and heal while protecting your paycheck and caring for your family. 

Is Disability Income Insurance in NJ Right for You? 

If you fall into one of the groups above, it’s important to look into disability insurance, how much it will cost and how it can protect you and your family. You can then make an informed decision. For free insurance quotes in NJ, contact Leonard Financial Solutions. We’ll learn about your situation and how disability insurance can help. 
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This type of insurance is meant to protect you in case of a disability hindering your ability to work. This applies if you are unable to perform the core functions of your job due to the development of a physical or mental limitation.  It can be caused by an accident, an illness, or psychological disorders.  It includes short-term disability benefits, long-term disability benefits, and paid sick leaves.