The top-rated disability insurance agent in Modesto, California is SaveDirect Insurance Agency, LLC, rated 4.9 stars across 651 reviews. Other highly rated options include TSM Insurance Services, Insureone Insurance Solutions, Mendoza Insurance Services. This directory lists 26 disability insurance agents serving Modesto.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | SaveDirect Insurance Agency, LLC | 1800 Tully Rd G | (209) 857-5877 |
| 2 | TSM Insurance Services | 1317 Oakdale Rd #910 | (209) 524-6366 |
| 3 | Insureone Insurance Solutions | 316 Needham St | (209) 779-0700 |
| 4 | Mendoza Insurance Services | 724 E Hatch Rd | (209) 488-3200 |
| 5 | insureCAL Insurance Agency | 3508 Dale Rd | (209) 250-0269 |
| 6 | Macias Insurance Services - 1337 Crows Landing | 1337 Crows Landing Rd Suite E | (209) 523-9100 |
| 7 | Omega Pacific Insurance Solutions | 1016 12th St Ste. A | (209) 338-5500 |
| 8 | Macias Insurance Services | 1511 Crows Landing Rd | (209) 846-9800 |
| 9 | Toste Insurance Services INC | 3501 Coffee Rd #1a | (209) 338-3585 |
| 10 | Wylie Insurance Services | 1729 Tully Rd Suite 6 | (209) 526-4402 |
SaveDirect Insurance Agency, LLC serves the Modesto metro area and surrounding Stanislaus County communities as a disability insurance agent. The company focuses on helping individuals understand their coverage options for income protection when illness or injury prevents them from working. Their work involves explaining policy features from multiple carriers and assisting with application processes. Services handled include short-term disability insurance to cover temporary leave and long-term disability insurance for extended recovery periods.
TSM Insurance Services offers disability income protection consultations and policy placement for individuals in Modesto, California. The company also provides periodic policy reviews to help adjust coverage as clients’ careers and needs evolve. Its representatives assist with both short-term and long-term disability insurance products, explaining terms like elimination periods and benefit durations. The firm services single-family homeowners, apartment residents, small retail shops, and local restaurants seeking to safeguard their earning potential against unexpected illness or injury.
Insureone Insurance Solutions serves Modesto, California, and the surrounding communities within Stanislaus County. As a disability insurance agent, the company handles the placement of individual and group disability income policies. These policies help replace a portion of lost earnings if a client becomes unable to work due to illness or injury. The agency assesses each client’s specific income and occupational duties, then compares products from different insurers. This approach guides clients toward a policy that balances meaningful coverage with manageable premium payments for their typical job scenario.
Mendoza Insurance Services assists homeowners, businesses, and property managers in Modesto, California, with specialized disability insurance policies. These plans help protect income if an injury or illness prevents work, ensuring stable finances during recovery. The agency provides personalized consultations to explain coverage options and customize plans based on individual professional needs. Clients can expect clear guidance through the application process and ongoing policy support. The company also serves clients in the neighboring community of Turlock within the greater Modesto metro area.
InsureCAL Insurance Agency in Modesto, California provides disability insurance guidance for individuals and businesses, distinguishing between one-time policies for immediate short-term needs and recurring plans that offer ongoing income protection. Coverage typically replaces a portion of earnings if an illness or injury prevents work, helping to maintain financial stability during recovery. Service appointments are available on either a one-time basis for initial setup or a scheduled recurring review to adjust coverage as circumstances change.
Macias Insurance Services - 1337 Crows Landing works with individuals and businesses in Modesto, California, to address income protection needs through disability insurance. The agency specializes in helping clients evaluate policy options that provide financial stability during periods of illness or injury. Its services cover the selection and enrollment of both short-term and long-term disability plans. It serves local commercial sectors such as offices, warehouses, and food service.
As a disability insurance agent in Modesto, CA, Omega Pacific Insurance Solutions helps individuals and professionals select policies that protect their income if illness or injury prevents them from working. The agency guides clients through short-term and long-term disability options, focusing on aligning coverage with personal financial needs. With the shift in seasonal agricultural work or unexpected health setbacks common to the Central Valley, it assists families in planning for potential income gaps during recovery periods.
Many residents of Modesto search for income protection after a sudden illness or injury disrupts their work. Macias Insurance Services responds by offering disability insurance agent services tailored to this local need. Policies are reviewed to help replace lost earnings if a medical condition prevents employment. The company explains key coverage differences, including elimination periods and benefit durations, using straightforward consultation. An initial assessment of current coverage and personal risk factors is scheduled during the first meeting.
Toste Insurance Services INC, based in Modesto, CA, is known for helping local residents with disability insurance agent services. The company assists clients in understanding policy options to protect their income against unforeseen medical issues. It works with individuals to navigate the process of securing coverage that meets their needs. The firm also provides guidance for adding a tailored rider to protect against the loss of specific occupational duties.
Wylie Insurance Services assists residents in and around Modesto with disability insurance needs, offering guidance for both personal and commercial coverage options to help protect income during illness or injury. Serving the greater Modesto area, the agency provides straightforward support in navigating policy choices and application processes. Clients can expect attentive follow-up to adjust their coverage as circumstances change, with consistent service between regular visits to ensure ongoing protection.
What Does a a Disability Insurance Agent in Modesto Cost?
Disability insurance agents in California typically charge no upfront fee for helping with claims. They earn a commission from the insurance company when you purchase a policy. For claim assistance, some agents charge an hourly rate between 100 and 300 dollars or a flat fee of 500 to 1500 dollars. Costs vary by case and complexity. This is general information, not insurance advice.
About disability insurance agents in Modesto
Disability insurance agents in Modesto help residents navigate claims for short term and long term disability benefits. California has specific laws like the California Family Rights Act that may affect your coverage. A local agent can explain how state regulations apply to your policy.
Frequently Asked Questions
What does a disability insurance agent in Modesto do?
A disability insurance agent helps you file claims and appeal denials for disability benefits. They work with private insurance companies and understand California specific rules. They do not provide legal advice but can guide you through the process.
How long do I have to file a disability claim in California?
California law does not set a single deadline for all private disability claims. Your policy will specify the time limit, often 30 to 90 days after the disability begins. Check your policy or ask an agent for your specific deadline.
Can a disability insurance agent help with an appeal in Modesto?
Yes, agents can assist with the appeals process for denied claims. They review your policy, gather medical evidence, and submit appeal letters. California law requires insurers to respond to appeals within 45 days for disability claims.
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