The top-rated disability insurance agent in Gardner, Kansas is Joe Oldham - State Farm Insurance Agent, rated 4.9 stars across 156 reviews. Other highly rated options include MJH Insurance, Farmers Insurance - Robert Kelly Insurance Agency, Inc, T Miller and Associates Inc American Family Insurance. This directory lists 11 disability insurance agents serving Gardner.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Joe Oldham - State Farm Insurance Agent | 224 E Main St | (913) 856-6124 |
| 2 | MJH Insurance | 345 N Moonlight Rd | (913) 856-0002 |
| 3 | Farmers Insurance - Robert Kelly Insurance Agency, Inc | 235 E Main St | (913) 856-3816 |
| 4 | T Miller and Associates Inc American Family Insurance | 213 E Main St | (913) 856-6177 |
| 5 | Ample Green Insurance | 526 E Main St | (913) 372-7979 |
| 6 | Shelter Insurance - Sharla Neis | 950 E Lincoln Ln b | (913) 938-5030 |
| 7 | Farm Bureau Financial Services | 112 S Elm St | (913) 856-2197 |
| 8 | ALFT Insurance Agency Inc | 230 E Main St B | (913) 856-8050 |
| 9 | Sean Snyder | 112 S Elm St | (913) 856-2197 |
| 10 | M.D.S.I.S MD Serving Insurance Solution | 747 E Lincoln Ln unit D | (913) 938-5017 |
Joe Oldham - State Farm Insurance Agent serves the Gardner, Kansas, area and surrounding parts of Johnson County. The agency assists local residents and small business owners with their financial protection needs. As a disability insurance agent, it helps clients evaluate policies that replace a portion of income if injury or illness prevents them from working. Common offerings include short-term coverage and long-term disability plans designed to fit individual budgets. The agency regularly handles claims support for policyholders in Gardner experiencing a qualifying disability.
MJH Insurance in Gardner, KS offers a range of services related to disability insurance, including helping individuals select appropriate coverage and assisting with claims. The agency provides ongoing support to help clients understand policy terms and maintain their plans over time. Services focus on protecting income by tailoring policies to meet varied professional needs. The firm serves single-family homes, apartments, retail, and restaurants.
Located in Gardner, Kansas, Farmers Insurance - Robert Kelly Insurance Agency, Inc. assists homeowners, business owners, and property managers in securing disability insurance coverage. When an illness or injury prevents an individual from working, such policies help replace a portion of lost income, protecting personal and professional financial stability. The agency focuses on explaining policy options and tailoring plans to fit specific occupational needs and risk profiles. Its services also extend to clients throughout the broader Johnson County area and neighboring communities in the southwest Kansas City metro region.
Serving Gardner, Kansas, and the surrounding communities of Johnson and Miami counties, T Miller and Associates Inc American Family Insurance handles applications for disability insurance policies for local residents and business owners. It focuses on helping clients secure coverage that provides income replacement if illness or injury prevents them from working. The agency typically works through an initial consultation to assess individual needs, then presents multiple plan options from its carrier network before assisting with the required medical and occupational paperwork to complete enrollment.
Ample Green Insurance offers both one-time consultations for immediate needs and recurring support for ongoing policy management. As a disability insurance agent serving Gardner, Kansas, the company helps clients secure coverage that provides income replacement if an illness or injury prevents them from working. Policy options are evaluated based on individual occupation and financial circumstances. Service is available on an as-needed basis, allowing clients to adjust their level of engagement according to changing life events or coverage requirements.
Specializing in securing disability income protection, Shelter Insurance - Sharla Neis in Gardner, KS helps individuals prepare for the financial impact of an unexpected illness or injury. The agency guides clients through evaluating policy options that replace a portion of lost wages during recovery periods. It focuses on tailoring coverage to fit local professionals and families navigating these personal risks. Particularly valuable during life transitions such as starting a new job or expanding a family, the agency addresses the added need to safeguard earning power when household obligations increase.
As spring storms approach the Kansas City metro, residents of Gardner often review their income protection plans. Farm Bureau Financial Services, a disability insurance agent in this community, helps clients prepare for such unexpected events. The agency evaluates individual policies that replace lost wages during an illness or injury that prevents work. These conversations typically include reviewing existing coverage and identifying potential gaps in monthly benefits. An initial assessment of your current financial obligations and occupation is the first concrete step in the process.
ALFT Insurance Agency Inc works with individuals to help protect their income when illness or injury prevents them from working. The firm regularly handles disability insurance applications, including coordinating with clients on policy details and offering specialty add-ons such as own-occupation coverage. This attention to personal income protection is valuable for professionals and skilled workers. The agency is located in Gardner, Kansas, and can serve commercial sectors including offices, warehouses, and food service operations.
Sean Snyder provides residential disability insurance services in Gardner, Kansas, guiding individuals through the process of protecting their income. Commercial coverage options are also available for local small businesses seeking to secure their operations. Service extends throughout the greater Gardner area and surrounding communities. Each client receives a clear explanation of policy options and coverage needs during initial consultation. Follow-up service is provided between regular visits to ensure ongoing protection aligns with any lifestyle or business changes.
M.D.S.I.S MD Serving Insurance Solution, based in Gardner, KS, is known for providing personalized disability insurance agent services to local professionals and small business owners. It helps clients assess their income protection needs and navigate policy options from various providers. The agency focuses on aligning coverage with individual career demands and financial circumstances. A specialty service it can add on is reviewing existing disability policies to identify gaps in coverage and recommend amendments for improved long-term security.
What Does a a Disability Insurance Agent in Gardner Cost?
Typical costs for disability insurance in Kansas range from 1% to 3% of your annual income. For a 40-year-old earning $60,000 per year, a policy might cost $50 to $150 per month. Premiums depend on age, health, occupation, and benefit amount. This is general information, not insurance advice.
About disability insurance agents in Gardner
Disability insurance agents in Gardner, Kansas help individuals and businesses find coverage that protects income if you cannot work. Kansas law does not require employers to provide disability insurance, so private policies are common. Agents guide you through options for short-term and long-term plans.
Frequently Asked Questions
What does a disability insurance agent in Gardner do?
An agent helps you compare policies from different carriers to find coverage that fits your needs. They explain policy terms, exclusions, and waiting periods. They also assist with filing claims and understanding Kansas rules.
Is disability insurance required in Kansas?
No, Kansas does not require employers to offer disability insurance. However, some employers provide it as a benefit. Self-employed individuals in Gardner often buy private policies to protect their income.
How do Kansas laws affect disability insurance claims?
Kansas follows the federal ERISA law for employer-provided plans. For private policies, state contract law applies. Agents can explain how Kansas statutes of limitations and benefit rules impact your claim.
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