New Jersey Disability InsuranceGot DI can provide you with disability insurance quotes in New Jersey.
The fact is that no one would like to imagine what life would be if disability strikes. But a study has shown that a 20-year-old worker in New Jersey has a 30% possibility of getting disabled before the age of retirement. Since the ability to work seems to be the largest asset of people, the situation would be unbearable or even miserable if a disabled person lost the job and could never generate income for the rest of his life. However, things have changed a lot with disability insurance.
Damage to your property is a nuisance, especially when it is really devastating. But getting hurt so severely that you are unable to work is much worse.
Disability Insurance Policy Riders
To help you find the most beneficial disability insurance policy at the perfect cost, Got DI compares the optional riders.
Hospital Confinement Indemnity Benefits Rider
This rider pays as much as $500 for each day you're hospitalized as a result of an injury. The benefits double for days spent in confinement in the ICU.
Accident Medical Expense Rider
You decide coverage amounts for your plan ($1,000, $2,000, $3,000, or $5,000) and we provide the sum as a cash reimbursement for medical-related bills sustained following an injury.
Return of Premium Benefit Rider
Depending on your policy, you can have 50 to 80% of your premiums returned (minus claims) after ten years paying the costs. This is available on long term and short term policies.
Social Insurance Supplement Benefits Rider
Social Insurance Supplement (SIS) Benefits are available only on a long term disability insurance plan for individuals and pays claimants additional monthly benefits when they don't qualify for social insurance, such as Social Security or Worker's Compensation.
Critical Illness Benefits Rider
Specific diseases are more serious, so this rider pays up to $25,000 as a single payment in case you are informed you have a critical illness
We'll enable you to choose the coverage that fits your requirements, to bring you adequate protection.