The top-rated disability insurance agent in Albany, Georgia is Higginbotham Insurance & Financial Services, rated 4.9 stars across 191 reviews. Other highly rated options include Dale Hodges Agency LLC, The Family Insurance Agency, Inc, Direct Auto Insurance. This directory lists 19 disability insurance agents serving Albany.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Higginbotham Insurance & Financial Services | 2301 Dawson Rd | (229) 888-2040 |
| 2 | Dale Hodges Agency LLC | 2734 Ledo Rd #10 | (229) 888-8990 |
| 3 | The Family Insurance Agency, Inc | 1148 Dawson Rd | (229) 420-7777 |
| 4 | Direct Auto Insurance | 2825 Ledo Rd | (229) 518-6246 |
| 5 | Auto-Owners Insurance Albany Claims | 2415 Westgate Dr | (229) 883-7680 |
| 6 | Reid Mathis: Allstate Insurance | 1111 Whispering Pines Rd | (229) 439-0473 |
| 7 | Cross Insurance | 1105 10th Ave #5 | (229) 883-7849 |
| 8 | Toole Budget Insurance Agency, Inc. | 1301 N Slappey Blvd | (229) 889-8557 |
| 9 | Griffin and Company Insurance | 2543 Lafayette Plaza Dr | (229) 432-9892 |
| 10 | DISMUKE INSURANCE | 108 N Monroe St | (229) 432-1241 |
Higginbotham Insurance & Financial Services serves the Albany, Georgia area as a dedicated disability insurance agent company. The agency assists local professionals and business owners in protecting their income if an injury or illness prevents them from working. Policy options typically include both short-term and long-term disability coverage tailored to individual earnings. The firm also helps clients understand how employer-provided benefits might be supplemented with individual plans. Specific services handled here include evaluating coverage needs for medical professionals and guiding self-employed individuals through plan enrollment.
Dale Hodges Agency LLC provides disability insurance agent services to individuals and businesses in the Albany, GA area. It helps clients understand the importance of income protection through tailored coverage options. The agency assists with policy selection, application processes, and ongoing claims support. Regular policy reviews are offered to ensure coverage adapts to changing personal or professional circumstances. It serves professionals, self-employed individuals, small business owners, and employees across local industries. Its service extends to clients who own single-family homes, apartments, retail spaces, and restaurants.
Homeowners, renters, and small business owners in Albany, GA rely on The Family Insurance Agency, Inc for disability insurance agent guidance. The agency assists clients in understanding disability income protection options, helping to safeguard earnings against unexpected illness or injury. Coverage is tailored to replace a portion of lost income, ensuring financial stability during recovery periods. The agency also serves residents and businesses in nearby Leesburg and surrounding parts of Dougherty County.
Direct Auto Insurance serves Rome, Georgia, and the surrounding communities, handling disability insurance needs for local residents. Its agents help clients understand how disability coverage can replace a portion of income if they become unable to work due to illness or injury. The agency works closely with individuals to explain policy options available in the area. Typically, the company begins each case by reviewing a client’s current employment and income situation, then tailoring coverage recommendations to that person’s specific financial circumstances.
Serving Albany, GA, and the surrounding communities, Auto-Owners Insurance Albany Claims handles disability insurance agent services for local residents. It helps individuals and families secure coverage that provides income protection if they become unable to work due to illness or injury. The company focuses on explaining policy options clearly and addressing each client’s specific needs. In handling a typical job, it begins by assessing the client’s current situation and then recommending coverage solutions that fit their unique financial circumstances.
In Albany, Georgia, Reid Mathis Allstate Insurance offers both immediate disability income protection for unexpected accidents or illnesses and ongoing coverage solutions that adjust as a policyholder’s needs evolve. These plans are designed to replace a portion of lost wages if a client becomes unable to work due to injury or sickness. The agency helps local residents understand factors like benefit periods and elimination periods. Service is available on an as-needed basis, with clients scheduling individual consultations or submitting claims as the need arises.
In south Georgia, seasonal agricultural and construction work often leaves locals without steady coverage between jobs, creating gaps that can lead to financial strain during an injury or illness. Cross Insurance, serving Albany, addresses this vulnerability by explaining how disability insurance replaces a portion of lost income when a medical condition prevents a client from working. The company first reviews the individual’s current employment situation and income to determine realistic coverage options during an initial consultation step.
Toole Budget Insurance Agency, Inc. specializes in disability insurance to help replace lost income when an illness or injury prevents work. Its general services include counseling on policy structures and navigating claims for local clients in Albany, Georgia. The agency assists individuals in evaluating short- and long-term coverage options. It helps address pressing concerns such as securing protection before a scheduled surgery or during open enrollment season at a nearby employer.
Griffin and Company Insurance works with individuals and businesses in Albany, Georgia, to address risk management needs. The agency specializes in disability insurance agent services, helping clients protect income if illness or injury prevents them from working. Policies are tailored to replace a portion of lost earnings during recovery periods. The agency can serve a variety of commercial sectors, including offices, warehouses, and food service operations.
Dismuke Insurance serves residents in Albany, Georgia, providing disability insurance agent services for individual clients at their homes. Commercial disability coverage is also available for local business owners and employees throughout the surrounding area. The agency helps clients understand policy options that protect income during illness or injury. Follow-up appointments and periodic policy reviews are offered between regular annual visits to address any changes in coverage needs or personal circumstances.
What Does a a Disability Insurance Agent in Albany Cost?
Disability insurance premiums in Georgia typically range from 1% to 3% of your annual income. For a 40 year old in Albany a policy might cost $50 to $200 per month depending on coverage amount and waiting period. Costs vary by age health occupation and policy features. This is general information not insurance advice.
About disability insurance agents in Albany
Disability insurance agents in Albany, Georgia help individuals and business owners secure income protection policies. Georgia law does not require private disability insurance but many employers offer group plans. Local agents can explain how state regulations affect policy terms and claim procedures.
Frequently Asked Questions
What does a disability insurance agent in Albany do?
A disability insurance agent helps you compare policies from different carriers. They explain coverage options, waiting periods, and benefit amounts. They also assist with filing claims and understanding Georgia specific rules.
How long do I have to file a disability claim in Georgia?
Georgia law does not set a specific deadline for filing disability claims under private policies. However most policies require prompt notice within 30 to 90 days. Check your policy for exact time limits.
Are disability insurance benefits taxable in Georgia?
If you pay premiums with after tax dollars benefits are generally tax free. If your employer pays premiums benefits are taxable as income. Georgia follows federal tax rules for disability benefits.
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