The top-rated disability insurance agent in Ventura, California is Salena Bracamontes - State Farm Insurance Agent, rated 5.0 stars across 551 reviews. Other highly rated options include Dena Rogers - State Farm Insurance Agent, Forward Insurance Agency, Best Access Insurance. This directory lists 20 disability insurance agents serving Ventura.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Salena Bracamontes - State Farm Insurance Agent | 10235 Telephone Rd D | (805) 647-7600 |
| 2 | Dena Rogers - State Farm Insurance Agent | 970 S Petit Ave UNIT 14 | (805) 642-9715 |
| 3 | Forward Insurance Agency | 2686 Johnson Dr #201 | (805) 292-3377 |
| 4 | Best Access Insurance | 3445 Telegraph Rd #102 | (805) 650-9411 |
| 5 | Venture Casualty Insurance Services | 1567 Spinnaker Dr suite 201 | (855) 602-0222 |
| 6 | American Legacy Solutions | 5808 Telephone Rd 2nd Floor | (855) 534-2295 |
| 7 | Sather's Insurance Service | 5725 Ralston St Ste 214 | (805) 644-8600 |
| 8 | Farmers Insurance - Karen Pena | 5811 Olivas Park Dr Ste 203 | (805) 604-1154 |
| 9 | Gallagher Insurance, Risk Management & Consulting | 196 S Fir St | (805) 585-6100 |
| 10 | Your Disability Advocate, LLC | 35 W Main St B | (805) 628-4008 |
Salena Bracamontes - State Farm Insurance Agent serves the Ventura, California area, operating as a disability insurance agent. The agency provides coverage solutions designed to protect income if a client becomes unable to work due to illness or injury. Short-term and long-term disability policies are available, helping residents maintain financial stability during recovery periods. The firm handles group disability plans for local businesses and individual policies for self-employed professionals. Specific services it manages include short-term disability insurance and long-term disability insurance.
Dena Rogers - State Farm Insurance Agent in Ventura, CA provides disability insurance services designed to help protect an individual’s income in case of illness or injury. The office offers personalized policy reviews and plan adjustments to ensure coverage meets changing needs over time. Routine consultation appointments help clients understand their policy benefits and claim processes. This agent serves those who own single-family homes, apartments, retail spaces, and restaurants in the local area.
Forward Insurance Agency serves homeowners, businesses, and professionals in Ventura, California, who need to protect their income against illness or injury. As a disability insurance agent, the company helps clients evaluate policy options that replace lost wages when a medical condition prevents them from working. The firm focuses on individual coverage for self-employed residents and group plans for local employers seeking financial security for their workforce. Its service area extends to the neighboring community of Oxnard, providing guidance on disability protection across the greater Ventura County region.
Best Access Insurance serves clients in Ventura, California, and the surrounding communities of the Oxnard Plain and Channel Islands region. As a disability insurance agent, the company handles long-term and short-term disability policies designed to replace a portion of lost income if a health condition prevents work. Its typical approach involves assessing an individual’s occupation and current coverage needs, then presenting policy options that match their financial priorities.
Venture Casualty Insurance Services in Ventura, CA, specializes in helping clients select disability insurance policies that replace a portion of lost income if an injury or illness prevents them from working. The agency also assists with general assessments of existing coverage and navigating plan details for professionals and self-employed individuals. As colder weather approaches, it advises clients on adjusting policies to account for seasonal slowdowns in work hours.
American Legacy Solutions understands the difference between one-time policy evaluations and ongoing coverage management for local residents. As a disability insurance agent in Ventura, the company assists clients with protecting their income against unforeseen medical circumstances. The firm provides general guidance on plan structures designed to replace lost earnings during periods of injury or illness. Service arrangements are available on a one-time, scheduled, or as-needed basis to accommodate individual client needs consistently.
When seasonal workers in Ventura shift between jobs in agriculture and tourism, gaps in income protection become a pressing concern. Sather's Insurance Service helps local residents navigate disability insurance options tailored to such fluctuating employment patterns. As a dedicated disability insurance agent, the company assesses individual needs within the region’s economic realities, focusing on policies that replace lost wages during short-term illnesses or injuries. The initial process begins with a full review of the client’s current coverage and employment history to determine appropriate policy features.
Farmers Insurance - Karen Pena provides disability insurance coverage to residents in their homes throughout Ventura, California. The agency also offers commercial disability policies for local businesses needing employee protection. Their service area encompasses the greater Ventura region and surrounding communities. After an initial policy is set, the agent maintains ongoing contact with each client, helping adjust coverage as personal or business circumstances change. This follow-up support ensures the policy remains appropriate between regular annual or semi-annual visits to review options.
Gallagher Insurance, Risk Management & Consulting in Ventura, California provides disability insurance agent services to local individuals and businesses. This firm focuses on helping clients secure income protection through disability policies that cover illness or injury. It assesses specific needs and matches policy features accordingly. The agency can serve various commercial sectors, including offices, warehouses, and food service operations requiring tailored coverage for their employees.
What Does a a Disability Insurance Agent in Ventura Cost?
Disability insurance agents in California typically charge a fee based on a percentage of the benefits recovered. This fee often ranges from 25 to 40 percent of past-due benefits. Some agents charge an hourly rate or a flat fee. Costs vary by case and agent. This is general information, not insurance advice.
About disability insurance agents in Ventura
Disability insurance agents in Ventura, California help residents navigate disability claims and appeals. California law requires insurers to follow strict timelines for claim decisions. Local agents know the specific requirements of the California Insurance Code and can guide you through the process.
Frequently Asked Questions
What does a disability insurance agent in Ventura do?
A disability insurance agent helps you file claims and appeal denials for disability benefits. They explain your policy terms and assist with required documentation. They do not provide legal advice but can connect you with resources.
How long do I have to file a disability claim in California?
California law does not set a single deadline for all disability claims. Your policy will specify a time limit, often 30 to 90 days from the date of disability. You should file as soon as possible to avoid delays.
Can a disability insurance agent help with an appeal in Ventura?
Yes, an agent can help you gather medical records and complete appeal forms. They can explain the appeals process under your policy. For complex cases, you may need a disability attorney.
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