The top-rated disability insurance agent in New Albany, Indiana is Globe Life American Income Division: Nelson Organization, rated 4.9 stars across 201 reviews. Other highly rated options include Theresa Lamb - State Farm Insurance Agent, Health Insurance by Design, Russ Thomas Insurance, Inc.. This directory lists 20 disability insurance agents serving New Albany.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Globe Life American Income Division: Nelson Organization | 3303 Plaza Dr Suite E | (502) 365-4662 |
| 2 | Theresa Lamb - State Farm Insurance Agent | 1523 State St | (812) 945-8088 |
| 3 | Health Insurance by Design | 1200 Bell Ln D | (812) 948-1581 |
| 4 | Russ Thomas Insurance, Inc. | 2722 Charlestown Rd | (812) 945-5484 |
| 5 | Stephenson Disability Services | 907 E Main St | (812) 945-2770 |
| 6 | Kochert Insurance | 4206 Charlestown Rd # 120 | (812) 952-2514 |
| 7 | Fox Insurance & Investments | 3120 Blackiston Mill Rd suite d | (812) 944-1850 |
| 8 | Jason Kahl Agency LLC American Family Insurance | 2606 Charlestown Rd | (812) 944-7875 |
| 9 | Jeff Schuld Agency, LLC American Family Insurance | 2606 Charlestown Rd | (812) 949-7900 |
| 10 | The Bedrock Group | 204 Pearl St suite 302 | (502) 200-1516 |
Globe Life American Income Division: Nelson Organization serves clients in the New Albany, Indiana, metro area, offering individual disability insurance agent services to help protect local workers' income from unexpected illness or injury. This agency guides policyholders through the selection of coverage that provides financial support if they cannot work. In this region, the firm handles short-term disability insurance applications and assists with long-term disability insurance plan options to address distinct financial needs.
Theresa Lamb - State Farm Insurance Agent in New Albany, IN works with homeowners, renters, and small business owners. The agency provides individual disability insurance policies that replace a portion of lost income if a customer cannot work due to illness or injury. It also offers group disability plans for local employers seeking to protect their workforce. Policies are tailored to different professions and income levels. The agency serves clients throughout the New Albany area, including nearby Jeffersonville and the greater Louisville metro region.
Health Insurance by Design serves New Albany, Indiana, and its surrounding communities, handling disability insurance needs for local professionals and residents. It assists clients in selecting policies that protect income if illness or injury prevents them from working. The agency focuses on understanding each individual’s occupation and lifestyle to recommend appropriate coverage options. This approach ensures that clients receive a policy tailored to their specific financial situation and work responsibilities through a straightforward, consultative process.
Russ Thomas Insurance, Inc. provides disability insurance agent services for clients in the New Albany, Indiana area. The company offers advice and helps customers select policies to protect income in the event of illness or injury. Regular policy reviews are conducted to align coverage with changing personal circumstances. Support is given for filing claims and understanding benefit options. The firm services single-family homes, apartments, retail, and restaurants.
Stephenson Disability Services in New Albany, IN assists individuals with evaluating their need for income protection, distinguishing between short-term coverage for temporary conditions and long-term policies for lasting impairments. As a disability insurance agent, the company helps clients explore policy options that replace a portion of income during an inability to work. Clients may request assistance on a one-time basis for an initial review or schedule recurring consultations for policy updates and ongoing needs.
Kochert Insurance provides disability insurance agent services to individuals and businesses in New Albany, Indiana. The company helps clients secure coverage that replaces a portion of income if illness or injury prevents them from working. This specialty product protects wages through policies tailored to different occupations. Kochert Insurance advises office staff, warehouse workers, and those in the food service industries on selecting appropriate benefit terms.
Fox Insurance & Investments specializes in disability insurance, helping clients in New Albany, IN protect their income through tailored coverage options. The agency works with individuals and professionals to evaluate financial loss risks from unexpected medical conditions. It guides residents through policies that replace earnings when injury or illness prevents them from working. Many New Albany clients seek guidance before seasonal employment shifts expire or during open enrollment periods, ensuring they maintain financial stability against potential disruptions from illness or accident.
As the Ohio River Valley transitions into seasonal weather changes that can disrupt routines, residents in New Albany often find themselves reassessing their financial safeguards. Jason Kahl Agency LLC American Family Insurance provides tailored services in the category of disability insurance agent, helping clients protect their income from unexpected health events. An experienced professional reviews individual circumstances and coverage options to ensure appropriate protection. The typical next step involves a complimentary initial consultation to assess current policies and identify potential gaps.
Jeff Schuld Agency, LLC American Family Insurance is a local disability insurance agent serving clients in New Albany, Indiana. It provides policies that replace a portion of lost income when an illness or injury prevents an individual from working. The agency guides customers through choosing benefit periods, coverage levels, and elimination periods to match their personal financial situation and household budget. It can also tailor policies with additional riders such as future purchase options or cost-of-living adjustments.
What Does a a Disability Insurance Agent in New Albany Cost?
Disability insurance costs in Indiana vary based on age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy covering 60% of income. Costs are higher for high-risk occupations. This is general information, not insurance advice.
About disability insurance agents in New Albany
Disability insurance agents in New Albany Indiana help individuals and business owners protect their income. Indiana law does not require employers to provide disability coverage, so many people seek private policies. A local agent can explain policy options and assist with claims under Indiana insurance regulations.
Frequently Asked Questions
What does a disability insurance agent in New Albany do?
A disability insurance agent helps you find a policy that fits your needs and budget. They explain benefit periods, elimination periods, and definition of disability. In Indiana, agents must be licensed by the Indiana Department of Insurance.
How long do I have to file a disability claim in Indiana?
Indiana does not have a single statute of limitations for all disability claims. Many private policies require notice within 30 days of disability. For ERISA plans, you typically have 180 days to file an appeal after a denial.
Can a disability insurance agent help with an existing claim?
Some agents can review your policy and guide you through the claims process. However, if your claim has been denied, you may need a lawyer or a claims advocate. Agents cannot provide legal advice.
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