Disability Insurance

You probably have insurance to protect your home or your car. Do you have coverage to help protect what may be your most important asset, your ability to earn an income? 

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.

“Disability insurance provides me with the financial freedom that helps me to live independently. Now there is nothing I can't do!”

Medinah Ali, 20 years

Why you need disability insurance?

Your income helps you meet financial obligations. But if you became sick or injured and were unable to work, what kind of financial impact would the loss of income have on your family?


Here are some of the most important things in your life that the coverage can help protect: 

• Your home 
• Your personal savings 
• Your retirement 
• Your lifestyle 
• Your family 
• And your income


It provides benefits to help replace a portion of your income if you’re sick or injured and unable to work. It’s financial protection that helps you focus more on your recovery and less on how you’ll cover expenses.

Optional Benefits

Many insurance products include optional benefits – or add-on coverages. Optional benefits allow you to customize your policy, providing enhanced or extended benefits. It’s important to determine the right amount of coverage, but also consider the options that add value to your policy

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Contact Us

Pathways Insurance Agency
707 Alexander Rd, Bldg 2 Suite 208
Princeton, NJ 08540

Office: (609) 337-4411
Direct/Cell: (908) 285 5946

E-mail: info@pathtoinsurance.com

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