The top-rated disability insurance agent in Oakland, California is Saavedra Longino Organization, rated 5.0 stars across 754 reviews. Other highly rated options include Kelly Wright - State Farm Insurance Agent, Odalis Ordonez Insurance Agency, Khidir Insurance Agency. This directory lists 23 disability insurance agents serving Oakland.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Saavedra Longino Organization | 80 Swan Wy #130 | (916) 309-4550 |
| 2 | Kelly Wright - State Farm Insurance Agent | 5273 College Ave #101 | (510) 488-3505 |
| 3 | Odalis Ordonez Insurance Agency | 3560 Grand Ave | (510) 874-5700 |
| 4 | Khidir Insurance Agency | 3114 San Pablo Ave | (510) 227-6520 |
| 5 | Jessica Hebert - State Farm Insurance Agent | 490 Grand Ave #210 | (510) 653-2900 |
| 6 | avail insurance solutions, inc - independent insurance broker | 6023 College Ave | (510) 595-6600 |
| 7 | Halbrook Insurance | 1433 Leimert Blvd | (510) 531-1432 |
| 8 | Concise Solutions Insurance Services | 3349 International Blvd | (510) 534-6293 |
| 9 | Near By Insurance Agency | 324 10th St #235 | (510) 859-4893 |
| 10 | Rightworks Insurance Services | 3018 Foothill Blvd | (510) 534-9203 |
Saavedra Longino Organization serves the Oakland, California metro area and surrounding Alameda County as a Disability Insurance Agent. This firm assists clients in evaluating their income protection needs through private disability policies. The agent works with individuals to understand the specifications of benefit terms, elimination periods, and coverage amounts that may supplement employer-provided plans. Policy comparisons focus on occupational definitions and contract riders. Saavedra Longino Organization handles both short-term and long-term disability insurance plans for local residents.
Kelly Wright - State Farm Insurance Agent serves Oakland, CA, and the surrounding area as a disability insurance agent. The agency helps individuals and families evaluate their financial plans to secure income replacement in the event of a serious illness or injury. Policy options are reviewed to match different occupational needs and budget considerations. A client meeting often includes a detailed discussion of elimination periods and benefit durations. The office handles short-term and long-term disability insurance policies tailored to local professionals and small business owners in the East Bay.
Oakland homeowners, businesses, and property managers rely on Odalis Ordonez Insurance Agency for disability insurance agent services. The agency helps clients secure income protection policies that replace a portion of earnings during periods of injury or illness. Individual and group plans are tailored to address both short-term and long-term disability needs. Comprehensive consultations clarify policy terms, elimination periods, and coverage limits to ensure suitable financial safeguards. Its service area also extends to clients throughout Alameda County, including those in the neighboring community of Berkeley.
Khidir Insurance Agency serves clients in Oakland, California, by providing disability insurance agent services that help individuals protect their income against unforeseen medical events or injuries. Its standard support includes evaluating personal coverage needs and matching clients with appropriate policies from available carriers. The agency also assists with policy renewals, claims filing guidance, and periodic coverage reviews to ensure ongoing suitability. This firm offers its services to single-family homes, apartments, retail spaces, and restaurants.
Jessica Hebert, a disability insurance agent in Oakland, California, serves Oakland and its surrounding East Bay communities. The agency handles disability insurance policies that protect a client’s income if illness or injury prevents them from working. Coverage is designed to replace a portion of wages during a short- or long-term absence from their job. To handle a typical job, an agent first reviews the client’s occupation and current earnings to match a policy term with their specific financial needs and recovery timeline.
As an independent insurance broker, Avail Insurance Solutions, Inc. provides both one-time guidance on purchasing a policy and recurring service to review coverage as personal circumstances evolve. The firm assists clients in Oakland with evaluating short-term and long-term disability insurance plans that replace a portion of lost income during an illness or injury. All consultations and policy management are conducted on an as-needed basis, allowing clients to schedule appointments according to their immediate needs without a preset recurring commitment.
Halbrook Insurance provides disability insurance agent services in Oakland, California, focusing on helping individuals secure income replacement and long-term disability coverage. Its general service work involves guiding clients through plan options and explaining how different policies protect against lost wages due to illness or injury. The agency assists professionals and small business owners in understanding elimination periods and benefit terms. During open enrollment seasons or after a significant change in health, it helps clients adjust their coverage to meet renewed financial protection needs.
Concise Solutions Insurance Services operates as a disability insurance agent in Oakland, California, helping individuals evaluate policies that provide income protection when illness or injury prevents work. The firm specializes in tailoring coverage options that address unique client needs, such as short-term or long-term benefits. This allows professionals to secure financial stability during recovery periods. For commercial clients, the agent assists workers in offices, warehouses, and food service establishments in understanding their disability insurance options and policy requirements.
Near By Insurance Agency serves residential clients in Oakland, California, with disability insurance policies designed to replace income during illness or injury. The agency also provides commercial disability coverage for local small businesses and self-employed professionals, ensuring continuity for their operations. They assist clients throughout the greater Bay Area, offering personalized guidance on plan selection. Routine follow-ups are conducted between regular visits, allowing the agency to adjust policies as clients’ careers and health needs evolve.
What Does a a Disability Insurance Agent in Oakland Cost?
Disability insurance premiums in California typically range from 1% to 3% of your annual income. For a 35-year-old in Oakland earning $60,000 per year, a policy might cost $50 to $150 per month. Costs depend on your age, health, occupation, and benefit amount. This is general information and not insurance advice.
About disability insurance agents in Oakland
Disability insurance agents in Oakland help individuals and businesses find policies that protect income if you cannot work. California law requires employers to provide State Disability Insurance (SDI) but private agents can help you get supplemental coverage. Agents in Oakland understand the local job market and can explain how California Paid Family Leave interacts with private disability plans.
Frequently Asked Questions
What does a disability insurance agent in Oakland do?
A disability insurance agent helps you compare policies from different insurers. They explain benefit amounts, elimination periods, and policy exclusions. They do not handle claims but can guide you on how to file under your policy.
Do I need private disability insurance if I have California SDI?
California SDI provides partial wage replacement for a limited time. Private disability insurance can offer higher benefits and longer coverage periods. An agent can help you decide if a private policy is right for your situation.
How do California disability insurance laws affect my policy?
California law requires that disability insurance policies meet certain standards, such as a minimum 60-day free look period. Agents must be licensed by the California Department of Insurance. Policies cannot exclude conditions arbitrarily under California regulations.
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