Here at Pathways Insurance Agency, we can tailor a New Jersey disability insurance policy to fit your individual needs. Many studies say that Americans can have a long-term disability by the age of 65, so this complement to your health insurance is necessary.

An individual disability insurance policy is a good way to cover income losses even with those who have some employer-paid coverage. Typically, disability premiums paid by you are not taxes but employer-paid benefits are. There are 2 types of individual disability insurance policies - long-term and short-term.

Basic ways of disability insurance in New Jersey:

• Individual disability income policy
• Social Security disability benefits
• Employer paid benefits

Let a Pathways Insurance Agency professional explain the different options you have when considering individual disability insurance throughout the State of New Jersey.