The top-rated disability insurance agent in Cupertino, California is Jason Stefely - State Farm Insurance Agent, rated 4.9 stars across 432 reviews. Other highly rated options include Gurbinder Mavi - State Farm Insurance Agent, Catherine Chen - State Farm Insurance Agent, Cheryl Ching - State Farm Insurance Agent. This directory lists 12 disability insurance agents serving Cupertino.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jason Stefely - State Farm Insurance Agent | 20395 Pacifica Dr STE 108 | (408) 255-3212 |
| 2 | Gurbinder Mavi - State Farm Insurance Agent | 20395 Pacifica Dr STE 108 | (650) 237-0400 |
| 3 | Catherine Chen - State Farm Insurance Agent | 20132 Stevens Creek Blvd | (408) 863-0000 |
| 4 | Cheryl Ching - State Farm Insurance Agent | 10025 S Tantau Ave | (408) 777-9777 |
| 5 | Farmers Insurance - Patricia Han | 20567 Sunrise Dr | (408) 865-0365 |
| 6 | JONATHAN CHIEM: Allstate Insurance | 10520 S De Anza Blvd Ste B | (408) 252-3830 |
| 7 | Somerset Insurance Solutions Inc. | 10080 N. Wolfe Rd, 200 Suite SW3 | (408) 359-5758 |
| 8 | Health Wealth Management & Insurance Agency | 10455 Torre Ave | (408) 859-9896 |
| 9 | Farmers Insurance - Nathan Lee | 10055 N Portal Ave #120 | (408) 333-9809 |
| 10 | Farmers Insurance - Thanh Tran | 10055 N Portal Ave #120 | (408) 221-9722 |
Jason Stefely serves the Cupertino, California, area as a disability insurance agent. He helps local residents and business owners find appropriate insurance coverage. The disability insurance products he handles are designed to replace a portion of income if a client becomes unable to work due to illness or injury. This agent assists clients in understanding the different policy options available to them. Specific services include short-term disability insurance for temporary income gaps and long-term disability insurance for serious health events.
Gurbinder Mavi - State Farm Insurance Agent in Cupertino, California, provides personalized disability insurance policies designed to protect an individual's income if they become unable to work due to illness or injury. The agency assists clients in understanding policy terms, coverage limits, and waiting periods to tailor a plan that suits their specific financial needs. It serves a diverse range of clients, including single-family homeowners, apartment dwellers, retail employees, and restaurant workers.
Homeowners and small business owners in Cupertino looking for income protection can consult Catherine Chen - State Farm Insurance Agent regarding disability insurance. This agency helps clients understand how disability policies may replace lost earnings if illness or injury prevents work, offering guidance on plan features and coverage options. Potential customers can review policy terms to match individual needs. The agency also serves the nearby Los Gatos area.
Serving Cupertino and the surrounding Santa Clara Valley communities, Cheryl Ching - State Farm Insurance Agent handles disability insurance needs for local residents. The agency works with individuals to secure coverage that helps protect income if illness or injury prevents them from working. It assists clients in understanding policy options and coordinating benefits that align with their personal financial circumstances. To handle a typical case, the agent meets with the client to review their current situation and potential risks before recommending a suitable coverage plan.
Farmers Insurance - Patricia Han in Cupertino, CA helps clients choose between a one-time disability policy, which provides a single benefit payout, and a scheduled renewable plan offering ongoing income replacement. Coverage typically protects a portion of earned income if illness or injury prevents work. Service follows an as-needed basis, with clients contacting the agent when they require policy review, plan adjustments, or claims assistance.
As a disability insurance agent, Jonathan Chiem of Allstate Insurance in Cupertino, CA helps clients secure income protection policies that replace lost wages due to illness or injury. The agency assesses individual coverage needs for local professionals and business owners, offering guidance on benefit periods and elimination riders. This service is especially valuable for residents who worry about lengthy recovery times from unexpected medical events during flu season.
Health Wealth Management & Insurance Agency serves homeowners, businesses, and property managers in Cupertino, California, by providing disability insurance coverage that replaces a portion of income if a client becomes unable to work due to illness or injury. The agency helps clients evaluate individual and group disability policies to match their specific financial protection needs. It also assists self-employed professionals in safeguarding their earnings against unforeseen health setbacks. In addition to its Cupertino base, the firm serves clients in Sunnyvale.
Farmers Insurance - Nathan Lee assists individuals and businesses in securing disability insurance coverage in Cupertino, California. The agency specializes in both short-term and long-term disability policies tailored to client needs. Nathan Lee guides clients through the selection of benefit periods and elimination periods that suit their financial situations. These plans provide income protection when a medical condition prevents someone from working. Commercial disability insurance options are available for various work environment sectors, including offices, warehouses, and food service operations.
Farmers Insurance - Thanh Tran serves the Cupertino, California, area with residential disability insurance, helping local families protect their income against unexpected illness or injury. The agency also offers commercial coverage for small businesses seeking financial safeguards for their employees or owners. Service extends throughout the surrounding region, ensuring accessibility for clients with varied needs. Support continues through follow-up consultations or policy adjustments during regular visits, allowing for ongoing account management and periodic coverage reviews between annual renewals.
What Does a a Disability Insurance Agent in Cupertino Cost?
Disability insurance agent services in California are typically free to you because agents earn commissions from insurance carriers. Premiums for private disability policies range from 1 to 3 percent of your annual income. For a 50,000 dollar annual income a policy might cost 500 to 1,500 dollars per year. Costs vary by age health occupation and benefit amount. This is general information not insurance advice.
About disability insurance agents in Cupertino
Disability insurance agents in Cupertino help residents and workers secure income protection for illness or injury. California requires employers to provide State Disability Insurance (SDI) but many workers also buy private policies for extra coverage. A local agent can explain how SDI interacts with private plans and guide you through California specific claim deadlines.
Frequently Asked Questions
What does a disability insurance agent in Cupertino do?
A disability insurance agent helps you compare policies from different carriers and understand California SDI rules. They can also assist with filing claims and appealing denials under California Insurance Code sections.
How long do I have to file a disability claim in California?
Under California law you generally have up to 49 days from the start of your disability to file an SDI claim. Private policies may have different deadlines so check your plan or ask an agent.
Do I need private disability insurance if I have California SDI?
California SDI covers about 60 to 70 percent of your wages up to a cap. Private disability insurance can fill the gap and cover higher income levels. An agent can help you decide based on your needs.
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