The top-rated disability insurance agent in Salinas, California is Ulises Gomez Insurance Agency | Farmers Insurance, rated 5.0 stars across 350 reviews. Other highly rated options include Leavitt Central Coast, Chris Buich - State Farm Insurance Agent, Willette Jones - State Farm Insurance Agent. This directory lists 20 disability insurance agents serving Salinas.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ulises Gomez Insurance Agency | Farmers Insurance | 1514 Moffett St unit c | (408) 879-9735 |
| 2 | Leavitt Central Coast | 950 E Blanco Rd #103 | (831) 424-6404 |
| 3 | Chris Buich - State Farm Insurance Agent | 559 E Alisal St Ste 102 | (831) 256-2848 |
| 4 | Willette Jones - State Farm Insurance Agent | 341 S Main St | (831) 424-7505 |
| 5 | Lemus Insurance | 454 E Alisal St suite c | (831) 296-5888 |
| 6 | Rey Zagal - State Farm Insurance Agent | 246 Abbott St Ste A | (831) 676-3630 |
| 7 | Jim Russo, Jr. - State Farm Insurance Agent | 921 E Alisal St | (831) 422-1049 |
| 8 | Estrella Insurance | 727 E Market St | (831) 800-1700 |
| 9 | Gee Daniel Insurance Agency | 1283 N Main St #101 | (831) 920-3536 |
| 10 | Gonzalez & Associates insurance Service Inc | 102 Lincoln Ave | (831) 424-6300 |
Ulises Gomez Insurance Agency, serving Salinas and Monterey County, operates as a Farmers Insurance office focused on disability insurance agent services. The agency assists local professionals in understanding how disability coverage can replace a portion of lost income during a medical leave. Its representatives work with clients to evaluate individual policy options that align with their employment situations. Specific services handled include short-term disability plans for recovery periods and long-term disability coverage for extended health conditions.
Leavitt Central Coast provides disability income insurance solutions, helping individuals protect their earnings in the event of an illness or injury. Through personalized policy assessments, the agency assists clients in understanding coverage options and integrating income protection into broader financial planning. It maintains ongoing support for claims management and annual policy reviews to adjust coverage as circumstances change. Based in Salinas, CA, the agency serves professionals, business owners, and households across the Central Coast area, including single-family homes, apartments, retail, and restaurants.
Homeowners, renters, and small business owners in Salinas, California, turn to Chris Buich - State Farm Insurance Agent for disability insurance. This agency helps clients secure coverage that replaces a portion of income if illness or injury prevents them from working. Policies are tailored to protect an individual’s financial stability during recovery. The agency also serves clients in the neighboring communities of Seaside and Marina, providing the same focused guidance on essential disability coverage options.
Willette Jones - State Farm Insurance Agent serves Salinas, California, and the surrounding Monterey County communities. The agency handles disability insurance, helping individuals protect their income if illness or injury prevents them from working. They assist clients in understanding policy options that match different professional and personal circumstances. To handle a typical job, the agency conducts a thorough review of the client's income and existing coverage before comparing suitable benefit plans.
Lemus Insurance provides specialized disability insurance services in Salinas, California, guiding clients through the process of selecting income protection tailored to their individual employment situations. The agency works with local residents to understand policy terms, waiting periods, and benefit amounts that align with their financial needs. It also helps small business owners and self-employed professionals navigate options for covering overhead expenses during periods of incapacity. As the rainy season in Monterey County increases risks of slip-and-fall injuries, the agency assists clients in evaluating their coverage for such common accidents.
Rey Zagal - State Farm Insurance Agent in Salinas, CA, assists clients with disability insurance, distinguishing between one-time policies that provide a lump sum for a qualifying event and recurring service options that offer ongoing income replacement during an extended disability. Coverage protects a portion of earnings if illness or injury prevents work. Service runs on a one-time basis for initial policy setup, with scheduled reviews and as-needed consultations to adjust coverage as life circumstances change.
In the Salinas area, seasonal agricultural workers often need to review their income protection options. Jim Russo, Jr. – State Farm Insurance Agent focuses on disability insurance, helping local residents secure coverage that replaces lost wages if an illness or injury prevents them from working. The office serves clients throughout the region by explaining how such a policy integrates with their existing financial plans. An initial assessment is offered to evaluate a person’s current needs and potential policy choices.
Estrella Insurance helps individuals and businesses in Salinas secure financial protection against lost income due to injury or illness. As a disability insurance agent, the company focuses on matching clients with policies that replace a portion of their earnings during recovery periods. Serving the local community, it assists both large and small operations across various commercial sectors, including offices, warehouses, and food service establishments.
Gonzalez & Associates Insurance Service Inc offers disability insurance options for residential clients in Salinas, California, working to help individuals protect their income during unexpected health challenges. The firm also provides commercial disability coverage for local businesses seeking to safeguard their financial operations and employee stability. Serving Salinas and the surrounding Monterey County area, this agency assists customers in understanding policy details and coverage limits. After each initial consultation or claim, the company provides follow-up support to review policy needs and ensures clients maintain appropriate protection between their regular renewal visits.
What Does a a Disability Insurance Agent in Salinas Cost?
Disability insurance agent services in California are typically paid through commissions from the insurance carrier, not directly by the client. Policy premiums vary widely based on age, occupation, health, and benefit amount. For a 40-year-old office worker, a policy replacing 60% of income might cost between 1% and 3% of annual income per year. Costs are higher for high-risk occupations or if you add riders like cost-of-living adjustments. This is general information, not insurance advice.
About disability insurance agents in Salinas
Disability insurance agents in Salinas, California help individuals and businesses find coverage that protects income if injury or illness prevents work. California requires employers to provide State Disability Insurance (SDI) through payroll taxes, but private disability insurance agents can help fill gaps with supplemental policies. Salinas agents also assist with claims for long-term disability and understand local agricultural industry needs.
Frequently Asked Questions
What does a disability insurance agent in Salinas do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your budget and occupation. They explain policy terms like elimination periods and benefit durations. They do not provide legal advice but can guide you through the application process.
Do I need private disability insurance if I have California SDI?
California SDI provides partial wage replacement for up to 52 weeks, but it may not cover your full income. Private disability insurance can supplement SDI or provide coverage for longer periods. An agent can help you decide based on your income and risk.
How does California law affect disability insurance policies?
California law requires insurers to offer certain protections, such as a 60-day free look period and limits on rescission. Policies must comply with California Insurance Code sections 10128 through 10128.5. An agent familiar with state rules can help you choose a compliant policy.
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