NJ tech executives earning $250,000 or more in total comp typically have group LTD that covers $90,000 to $120,000 per year. The gap between those numbers is the real risk.
The gap nobody talks about
Tech executive compensation is complex. Standard group disability policies are not built for it. The gaps are significant.
Most group LTD policies cap monthly benefits at $10,000 to $20,000 regardless of what you earn. An exec earning $350,000 in total comp has a $130,000 to $170,000 annual DI gap that individual policies can fill.
Group LTD calculates your benefit based on base salary only. Bonuses, commissions, RSUs, and other variable compensation are excluded. An individual policy can be sized to include those income sources.
A senior software architect disabled from their specific role should not be expected to retrain as a barista. Own-occupation disability insurance pays benefits if you can't do your specific job — regardless of what else you could do.
Former Oracle Principal Consultant. PhD researcher. Queens-based. I work with carriers across the full market — not captive to one company — so you get the right coverage at the right price.
A structured 30-minute conversation that shows you exactly where your financial exposure is — and what it would take to eliminate it. No sales pitch. No pressure. Just a clear picture of where you stand.
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