The top-rated disability insurance agent in Brighton, Colorado is Melissa Rippy: Allstate Insurance, rated 4.9 stars across 208 reviews. Other highly rated options include Eddie Olivas - State Farm Insurance Agent, TAG-RH Agency Inc, Strongs Insurance Agency. This directory lists 18 disability insurance agents serving Brighton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Melissa Rippy: Allstate Insurance | 220 Pavilions Pl Unit D | (303) 219-1470 |
| 2 | Eddie Olivas - State Farm Insurance Agent | 27 S 4th Ave Unit B | (303) 288-8890 |
| 3 | TAG-RH Agency Inc | 29 N Main St Ste 111 | (303) 456-6800 |
| 4 | Strongs Insurance Agency | 51 S 1st Ave | (303) 659-3762 |
| 5 | JnR Insurance Agency Powered by YourPolicy | 21 N 1st Ave suite #140 | (720) 773-5574 |
| 6 | Jason Hart - State Farm Insurance Agent | 36 S 18th Ave Suite E | (720) 259-8031 |
| 7 | Best Agent Health Insurance | 5118 Southern St | (303) 257-3864 |
| 8 | Hessling Insurance Agency | 605 S Kuner Rd #102 | (720) 403-3974 |
| 9 | F.M. Zamora Agency, Inc. American Family Insurance | 467 S 4th Ave | (303) 655-1300 |
| 10 | Michael Schliep Agency, Inc | 1594 E Bromley Ln | (303) 659-9065 |
Melissa Rippy: Allstate Insurance serves the Brighton, Colorado, area and the surrounding county as a disability insurance agent. This agency helps local residents and workers understand how disability coverage can protect their income during an unexpected illness or injury. Policies offered through this office are designed to replace a portion of lost wages when a medical condition prevents employment. The agent also assists with the application process and explains policy terms. The office handles both short-term and long-term disability insurance options.
Eddie Olivas - State Farm Insurance Agent in Brighton, CO, provides disability insurance coverage alongside other personal insurance services. The agency helps clients assess their need for income protection in the event of illness or injury. Regular policy reviews ensure coverage keeps pace with life changes such as new jobs or family growth. Claims support is offered to simplify the process during difficult times. The company services single-family homes, apartments, retail establishments, and local restaurants.
Serving individuals, families, and small business owners in Brighton, TAG-RH Agency Inc provides disability insurance agents to help clients secure income protection. They assist local professionals and self-employed residents in evaluating coverage options for potential illness or injury. By explaining key policy features and riders, the agents guide clients through the application process with clear, practical advice. Their focus remains on matching coverage to each person’s specific financial needs. The agency also extends its services to nearby communities such as Fort Lupton and the surrounding Adams County region.
Strongs Insurance Agency serves clients in Brighton, Colorado, and the surrounding communities of the Denver metro area. The agency handles disability insurance to help individuals protect their income if an injury or illness prevents them from working. It focuses on explaining policy options, including elimination periods and benefit amounts, to ensure coverage aligns with each client’s financial situation. For a typical job, the agency reviews the client’s current employment benefits and personal budget before recommending a suitable plan.
Standard disability insurance agencies provide both one-time policy consultations and recurring service options for managing long-term claims. JnR Insurance Agency Powered by YourPolicy in Brighton, CO focuses on matching local professionals with appropriate coverage to protect income during illness or injury. Their agents assess individual needs and filing procedures with carriers. This agency serves clients on an as-needed basis, allowing policyholders to request assistance with claims or policy adjustments at any time without a fixed schedule.
Jason Hart - State Farm Insurance Agent in Brighton, CO provides disability insurance, helping local residents replace a portion of their income if they cannot work due to illness or injury. It also offers general insurance services to protect homes, vehicles, and other personal assets. The agency assists clients in understanding how disability coverage integrates with employer benefits and Social Security requirements. It is especially helpful when an unexpected medical condition arises, such as a serious accident or a chronic diagnosis, which can suddenly threaten a household’s financial stability.
Best Agent Health Insurance works with individuals and groups in and around Brighton, Colorado, helping clients secure coverage for income protection. The company’s specialty is matching clients with disability insurance policies that replace lost earnings if illness or injury prevents them from working. They assist both employees and business owners in evaluating policy options. These efforts can support a range of commercial sectors, including local offices, warehouse operations, and food service establishments.
Hessling Insurance Agency in Brighton, CO, is known for helping clients navigate the complexities of disability insurance, safeguarding income against unexpected medical leave. The agency serves local professionals and small business owners, offering tailored policy reviews to match individual coverage needs with lifestyle and occupational risks. A typical process includes comparing group and individual plans. For additional protection, the firm can also advise on short-term disability policies to bridge coverage gaps during recovery periods.
F.M. Zamora Agency, Inc. American Family Insurance provides residential disability insurance services to clients in Brighton, Colorado, helping protect individual income from unexpected injury or illness. The agency also offers commercial disability coverage designed to safeguard local business owners and their operations in the surrounding service area. Agents work closely with each policyholder to tailor coverage to their specific needs, ensuring financial stability during periods of inability to work. Follow-up appointments are scheduled as needed, with consistent repeat service between regular plan reviews.
What Does a a Disability Insurance Agent in Brighton Cost?
Disability insurance agent services in Colorado typically do not charge a separate fee because they earn commissions from the insurance carrier. Premiums for individual policies range from 1% to 3% of your annual income, so a policy covering $60,000 per year might cost $600 to $1,800 annually. Group policies through employers are often cheaper. Costs vary by age, health, occupation, and benefit terms. This is general information, not insurance advice.
About disability insurance agents in Brighton
Disability insurance agents in Brighton, Colorado help individuals and businesses secure income protection policies. Colorado law requires insurers to act in good faith when handling claims, and agents can guide you through the process. Whether you need short-term or long-term coverage, a local agent understands the needs of Brighton residents.
Frequently Asked Questions
What does a disability insurance agent in Brighton do?
A disability insurance agent helps you find and apply for policies that replace income if you cannot work. They explain policy terms, compare options from different carriers, and assist with claims. Agents do not provide legal advice but can refer you to an attorney if needed.
How does Colorado law affect disability insurance claims?
Colorado Revised Statutes Title 10 regulates insurance practices, including disability policies. Insurers must respond to claims within 30 days and cannot unreasonably deny benefits. If a claim is denied, you have the right to appeal under both state law and ERISA for employer-provided plans.
Can a Brighton agent help with an existing disability claim?
Yes, many agents assist with policy questions and claim submissions. However, if your claim has been denied, you may need a lawyer or a claims specialist. Agents cannot represent you in appeals or lawsuits, but they can review your policy for coverage details.
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