The top-rated disability insurance agent in Avon, Connecticut is AAA Avon, rated 4.5 stars across 304 reviews. Other highly rated options include Ron Huston - State Farm Insurance Agent, King Risk Partners, Bearingstar Insurance. This directory lists 14 disability insurance agents serving Avon.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AAA Avon | 70 E Main St | (860) 409-2800 |
| 2 | Ron Huston - State Farm Insurance Agent | 51 E Main St | (860) 678-1032 |
| 3 | King Risk Partners | 302 W Main St #206 | (860) 676-1957 |
| 4 | Bearingstar Insurance | 55 Nod Rd Suite 5 | (860) 677-1665 |
| 5 | Mazzone Insurance Inc | 195 W Main St | (860) 677-5853 |
| 6 | Goosehead Insurance - Michael Garceau | 20 Tower Ln #500 | (959) 900-8199 |
| 7 | Farmers Insurance - Joseph Beale | 43 W Main St | (860) 217-0080 |
| 8 | Jennifer M. Johnson: Allstate Insurance | 56 E Main St Ste 2 | (860) 676-8222 |
| 9 | Shepherd Insurance Agency LLC | 43 W Main St | (860) 321-7263 |
| 10 | Robert Hensley & Associates, LLC | 10 Avon Meadow Ln STE 1 | (860) 678-1090 |
AAA Avon serves Avon, Connecticut, and the surrounding Hartford County area, providing disability insurance agent services. The agency assists individuals by guiding them through the process of securing income protection policies. These policies help replace lost wages if an illness or injury prevents a person from working. The team also helps evaluate benefit periods and elimination periods to align coverage with client needs. In this area, the agency handles both short-term and long-term disability insurance applications.
Ron Huston - State Farm Insurance Agent in Avon, CT, provides disability insurance agent services designed to help individuals protect their income in the event of illness or injury. The company assists clients in selecting and maintaining disability coverage that aligns with their financial needs. Ongoing service includes policy reviews and claims support. This local agency serves clients in the surrounding area, including those living in single-family homes, apartments, retail spaces, and restaurants.
King Risk Partners, based in Avon, Connecticut, is known for helping professionals secure disability insurance coverage tailored to their income and occupation. The agency evaluates individual risk factors to recommend appropriate short-term and long-term policies that protect against lost earnings due to illness or injury. Clients receive guidance on benefit periods, elimination periods, and optional riders that enhance coverage. A specialty service available from King Risk Partners includes offering own-occupation disability insurance, which provides benefits if a client cannot perform the specific duties of their own job.
Bearingstar Insurance serves the Avon, Connecticut area as a Disability Insurance Agent, offering guidance on policies that protect individuals against income loss due to injury or illness. The agency helps residents understand the differences between short-term and long-term disability coverage, tailoring plans to fit varying professional and financial circumstances. It also assists with navigating policy provisions such as elimination periods and benefit durations. Specific services include evaluating group disability options and facilitating individual income protection plans.
Serving homeowners, business owners, and professionals in Avon, Connecticut, Mazzone Insurance Inc provides disability insurance agent services to help protect income against unexpected illness or injury. The company assists clients in evaluating policy options that align with their specific financial and occupational needs. Coverage guidance is tailored for individuals seeking to safeguard their earnings during recovery periods. This Avon-based firm also extends its services to residents and businesses throughout the neighboring Farmington Valley area.
Goosehead Insurance - Michael Garceau serves individuals and businesses in Avon, Connecticut, and the surrounding Hartford County communities. The agency handles disability insurance policies designed to replace a portion of income if a client cannot work due to illness or injury. It evaluates each client’s specific occupation and earnings to recommend appropriate coverage. The typical job begins with a consultation to explain policy options, followed by a comparison of plans from multiple insurers to find a suitable fit, then guiding the client through the application and underwriting process.
Farmers Insurance - Joseph Beale specializes in helping clients secure disability insurance policies that provide income protection if an illness or injury prevents them from working. The agency also offers general insurance services, guiding local residents through the process of choosing appropriate coverage for their personal and professional needs. In the Avon, Connecticut area, this includes assisting individuals who are preparing for seasonal job changes or facing a period of planned medical leave, ensuring their financial stability is maintained during those transitions.
Operating as a local disability insurance agent in Avon, CT, this firm gets between one-time policy setups for immediate needs and recurring service plans for evolving coverage over time. Jennifer M. Johnson: Allstate Insurance helps clients assemble coverage that replaces a portion of income if injury or illness prevents work. These policies often address short-term or long-term disability scenarios. All appointments, reviews, and claims assistance run on a scheduled or as-needed basis, aligning with clients’ changing circumstances.
As the cold and flu season arrives in Avon, employees often worry about lost income during recovery. Shepherd Insurance Agency LLC helps local workers plan for this risk by assessing their specific income protection needs. Clients discuss their occupations, monthly expenses, and existing benefits to understand coverage gaps. The agency then recommends disability insurance policies that replace a portion of earnings if illness or injury prevents work. An initial consultation reviews current financial safeguards to determine necessary adjustments for complete protection.
What Does a a Disability Insurance Agent in Avon Cost?
The cost of disability insurance in Connecticut typically ranges from 1% to 3% of your annual income for individual policies. For a 40-year-old earning $75,000 per year, a policy might cost between $75 and $225 per month. Group plans through employers are often less expensive. Costs vary based on age, health, occupation, and benefit terms. This is general information and not insurance advice.
About disability insurance agents in Avon
Disability insurance agents in Avon Connecticut help residents and businesses find coverage that protects income if illness or injury prevents work. Connecticut state law requires certain employers to offer short-term disability benefits through the Connecticut Paid Leave program. A local agent can explain how private policies can supplement state benefits and tailor coverage to your specific occupation and income needs.
Frequently Asked Questions
What does a disability insurance agent in Avon 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 such as elimination periods and benefit durations. Agents do not provide legal advice but can guide you on how Connecticut Paid Leave interacts with private plans.
How does Connecticut law affect disability insurance?
Connecticut has a state-mandated Paid Leave program that provides partial wage replacement for up to 12 weeks. Private disability insurance can fill gaps in coverage or provide higher benefits. An agent can help you understand how to coordinate private coverage with state benefits to avoid gaps.
What information do I need to get a disability insurance quote in Avon?
You will need details about your occupation, annual income, age, and health history. The agent will also ask about any existing coverage from your employer or the Connecticut Paid Leave program. This information helps the agent find policies that match your specific risk profile.
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