The top-rated disability insurance agent in Mishawaka, Indiana is McCarthy Insurance Group, rated 4.9 stars across 171 reviews. Other highly rated options include Backstrom Insurance Group, Deb Childs - State Farm Insurance Agent, HealthMarkets Insurance - Tony Letcher. This directory lists 14 disability insurance agents serving Mishawaka.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | McCarthy Insurance Group | 802 Lincolnway W | (574) 259-5622 |
| 2 | Backstrom Insurance Group | 3006 Lincolnway E | (574) 360-8182 |
| 3 | Deb Childs - State Farm Insurance Agent | 16845 W Douglas Rd | (574) 255-3000 |
| 4 | HealthMarkets Insurance - Tony Letcher | 1736 E Day Rd Suite 400 Suite 400 | (574) 307-8882 |
| 5 | Pilot Insurance Agency | 822 W 8th St | (574) 855-4837 |
| 6 | HealthMarkets Insurance - Derek Mabry | 1736 E Day Rd #400 | (574) 229-8147 |
| 7 | DAC Insurance Inc., Michiana's Insurance Agency | 1117 Lincolnway E | (574) 256-6707 |
| 8 | Ryan Sousley - State Farm Insurance Agent | 2029 N Cedar St | (574) 257-8220 |
| 9 | Dennis Insurance Agency | 2401 Lincolnway W | (574) 254-1010 |
| 10 | HealthMarkets Insurance - Zack Spaulding | 1736 E Day Rd Ste 200 #400 | (574) 240-4013 |
McCarthy Insurance Group serves the Mishawaka, Indiana, metro area, specializing in disability insurance agent services. It assists local professionals and self-employed individuals in selecting coverage that protects income during illness or injury. The agency reviews policy terms and benefit structures to match each client’s financial needs. It also helps small business owners with group disability plans and key person coverage to safeguard company operations. McCarthy Insurance Group handles short-term disability policies and long-term disability options for area residents.
Backstrom Insurance Group provides a complete range of disability insurance agent services, assisting clients in Mishawaka, Indiana, with securing income protection policies. Their offerings include ongoing policy reviews and plan adjustments to accommodate changing medical or employment circumstances. The company works with individuals and local businesses to navigate coverage options tailored to specific needs. Backstrom Insurance Group serves clients residing in single-family homes, apartments, retail establishments, and restaurants throughout the Mishawaka area.
Homeowners and small business owners in Mishawaka, Indiana can consult this disability insurance agent to help protect their income if a serious illness or injury prevents them from working. The agency provides guidance on selecting policies that offer monthly benefits for short-term or long-term needs. Residents of South Bend and other nearby communities in St. Joseph County also receive service from this local office.
Serving Mishawaka and the surrounding communities in northern Indiana, HealthMarkets Insurance - Tony Letcher provides disability insurance agent services. It assists individuals with evaluating policies that replace lost income when illness or injury prevents them from working. The agent helps clients understand plan options, coverage limits, and waiting periods that fit their specific employment situations. For each prospective policy, the agent thoroughly reviews an applicant’s occupation and income to recommend appropriate coverage. This company typically handles cases by explaining policy terms clearly and guiding clients through the application and underwriting process.
Pilot Insurance Agency in Mishawaka, IN distinguishes between one-time policy reviews and recurring plan adjustments for their disability insurance agent services. Their coverage work focuses on income protection plans that replace a portion of a client’s earnings if they become unable to work due to illness or injury. Tailored plans address local employment landscapes and individual occupational risks. Client support typically runs on an as-needed basis, allowing for consultations when a life change or policy question arises.
As a disability insurance agent, HealthMarkets Insurance - Derek Mabry offers specialized policies that replace a portion of income if an injury or illness prevents work. The agency serves clients throughout Mishawaka, IN, and surrounding areas by assessing individual coverage needs and comparing plans from multiple insurers. This work helps people safeguard their financial stability against unexpected health disruptions. Managing a policy becomes particularly important when recovering from a seasonal illness like influenza, which can often require extended time away from a job.
As Mishawaka experiences shifts in employment or seasonal changes that affect income stability, local residents often seek financial protection against unexpected interruptions. DAC Insurance Inc., Michiana's Insurance Agency focuses on matching individuals with disability insurance policies that address such gaps in earnings. The company assists clients in understanding eligibility requirements, benefit periods, and coverage options relevant to their occupations. An initial needs assessment typically reviews current income, employment type, and existing employer benefits before recommending plans. This process begins with a consultation to evaluate personal circumstances and coverage goals.
Ryan Sousley operates as a State Farm Insurance Agent in Mishawaka, Indiana, providing general insurance services with a specialty focus on disability income protection. This niche helps individuals replace lost earnings if illness or injury prevents them from working. The agency helps clients design policies that cover a portion of their regular salary during recovery periods. These services are available for professionals across various commercial settings, including local offices, warehouses, and food service operations.
Serving residential clients in Mishawaka, Dennis Insurance Agency provides disability insurance to protect income during illness or injury. Commercial coverage is offered for local businesses and professionals in the greater Mishawaka area. The agency works with individuals and employers to design policies that replace lost earnings if a disability strikes. An agent reviews current coverage and potential gaps during an initial consultation. They also schedule follow-up meetings to adjust plans as circumstances change, ensuring continuous protection between regular service visits.
HealthMarkets Insurance - Zack Spaulding in Mishawaka, IN is known for helping individuals and families understand their disability insurance options. The agency assists clients in locating coverage that provides income protection in the event of illness or injury. It serves the local community by navigating policy selection through the fluctuating healthcare landscape. A specialty service the agency can add on is offering consultations to review existing disability policies for gaps in coverage.
What Does a a Disability Insurance Agent in Mishawaka Cost?
The cost of disability insurance in Indiana typically ranges from 1% to 3% of your annual income for individual policies. For example, a policy covering 60% of a $50,000 salary might cost between $500 and $1,500 per year. Group policies through employers are often less expensive. Costs vary based on age, health, occupation, and coverage amount. This is general information and not insurance advice.
About disability insurance agents in Mishawaka
Disability insurance agents in Mishawaka, Indiana help residents and workers find coverage that protects their income if they cannot work. Indiana law requires certain policies to include a 30-day grace period for premium payments. Local agents can explain how state regulations affect your disability benefits and guide you through the claims process.
Frequently Asked Questions
What does a disability insurance agent in Mishawaka do?
A disability insurance agent helps you choose a policy that fits your needs and budget. They also assist with filing claims and understanding policy terms. In Indiana, agents must be licensed by the state Department of Insurance.
How long do I have to file a disability claim in Indiana?
Indiana does not set a specific time limit for filing a disability claim, but most policies require prompt notification. You should check your policy for deadlines. An agent can help you understand the timeline in your contract.
Can a disability insurance agent help if my claim is denied?
Yes, an agent can review your policy and help you gather documents to appeal a denial. Indiana law allows you to request a written explanation for the denial. The agent can also refer you to a lawyer if needed.
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