
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.