Disability and Other Insurance in Woodbridge, NJ

An illness or injury that keeps you from working can strain a household budget fast. Lincoln Risk Management Corporation helps individuals and employers in Woodbridge, NJ find disability insurance and other protective coverage, whether you need a single policy for yourself or a group plan for your staff.

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Explore the Full Menu of Insurance Options

Today's market offers far more choices than most people realize. Beyond the major lines like health, auto, and property coverage, there's a wide range of plans built to fill specific gaps.


Let us introduce you to those options. We'll help you find affordable insurance that targets your particular requirements, so you're paying for protection you'll actually use rather than coverage that doesn't fit.

Individual Policies and Group Plans

Some clients come to us looking for personal coverage. Others are business owners building a benefits package for their team. We work with both.


For individuals, a policy can be selected around your own income, job, and family situation. For employers, group plans let you offer meaningful protection to employees and can make your company a stronger place to build a career.

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Coverage Options We Offer

Here are the plans we can help you compare:


  • Voluntary benefits
  • Group life
  • Short-term and long-term disability
  • Executive and group qualified long-term care
  • Section 125 plans for critical illnesses (cancer, stroke, heart attack, etc.)
  • Section 125 Premium-Only Plans (POP)


Short-term and long-term disability coverage are the core of this page, but they rarely stand alone. Many employers combine disability protection with group life and voluntary benefits to round out what they offer their people.

Ask About Tax Advantages

Some of these plans offer tax advantages, which can make them more affordable for both employers and employees. Be sure to ask about them when you call or text for your free insurance evaluation.


Section 125 arrangements are a common place to start. Our Section 125 plans page covers Premium-Only Plans and critical illness plans in more detail. If planning for future care is on your mind, you can also learn about long-term care insurance for executives, employees, and individuals.

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Serving Woodbridge Area Families and Employers

We help clients in Woodbridge and surrounding towns, including Edison, Clark, and South Amboy, compare disability coverage and related plans. You can reach us by phone or text, or stop by our office.


For a look at everything else we cover, including health, property, and business insurance, visit our insurance and financial services home page.

Every conversation starts with a free insurance evaluation. Call or text us at (732) 814-7979, or use our alternate line at (908) 329-7936. You can also send a request through our online quote request form or find more ways to reach us on our contact page.

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Disability and Other Insurance FAQ

  • Do you offer disability insurance for individuals or only for businesses?

    Both. We help clients find individual policies as well as group plans for employers who want to cover their staff.

  • What types of disability coverage can I get?

    We offer short-term and long-term disability coverage. During your evaluation, we'll help you compare the two and decide whether one or both make sense for your situation.

  • What other plans can employers add alongside disability coverage?

    Employers can add voluntary benefits, group life, executive and group qualified long-term care, and Section 125 plans, including Premium-Only Plans and plans for critical illnesses such as cancer, stroke, and heart attack.

  • Do any of these plans offer tax advantages?

    Yes, some do. Section 125 Premium-Only Plans and Section 125 critical illness plans are two options to ask about when you request your free evaluation.

  • How do I get started?

    Call or text us at (732) 814-7979 or (908) 329-7936 for a free insurance evaluation. You can also submit a request through our online quote form.