The top-rated disability insurance agent in Beltsville, Maryland is Joseph W. McCartin Insurance, Inc., rated 4.9 stars across 122 reviews. Other highly rated options include Scott Covington - State Farm Insurance Agent, Al Freeman, III: Allstate Insurance, Ramos Insurances. This directory lists 10 disability insurance agents serving Beltsville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Joseph W. McCartin Insurance, Inc. | 5000 Sunnyside Ave Suite 200 | (301) 937-0400 |
| 2 | Scott Covington - State Farm Insurance Agent | 10748 Baltimore Ave | (301) 937-7772 |
| 3 | Al Freeman, III: Allstate Insurance | 10610 Rhode Island Ave Ste 202 | (301) 937-3700 |
| 4 | Ramos Insurances | 11720 Beltsville Dr A45 Suite 500 | (240) 890-1961 |
| 5 | Hunt & Jenkins Insurance Agency: Allstate Insurance | 4041 Powder Mill Rd Ste 110 | (301) 572-3200 |
| 6 | Castillo Insurance, LLC | 4737 Sellman Rd | (301) 937-1095 |
| 7 | Statland & Katz, Ltd. | 5000 Sunnyside Ave Suite 200 | (301) 587-6050 |
| 8 | Albright Associates, Inc. | 5020 Sunnyside Ave #211 | (301) 441-2880 |
| 9 | State Farm Insurance | 10748 Baltimore Ave | (301) 937-7772 |
| 10 | Day, Deadrick & Marshall Insurance | 10732 Baltimore Ave | (800) 591-1550 |
Joseph W. McCartin Insurance, Inc. serves the Beltsville, Maryland area as a disability insurance agent. It works with individuals and professionals to review policy options that provide income protection in the event of illness or injury. The company assists clients in comparing coverage details from various insurers, helping them align benefits with their specific financial needs. It also helps local residents understand the nuances of short-term disability policies and the terms of long-term disability insurance.
Scott Covington - State Farm Insurance Agent in Beltsville, MD provides a range of disability insurance services, including individual and group policy guidance. The agency helps clients understand policy options and assists with plan modifications or renewals as coverage needs change over time. Services include evaluating current plans and explaining benefit terms to ensure clear, informed decisions. The agent supports individuals and businesses, including those with single-family homes, apartments, retail locations, and restaurants.
Al Freeman, III: Allstate Insurance serves homeowners, businesses, and property managers in Beltsville, Maryland, by providing disability insurance agent services. It helps local clients understand how disability coverage can protect income during unexpected health events, offering guidance on policy options that suit individual financial needs. The agency assists customers in navigating the process of selecting appropriate plans, focusing on practical advice for long-term security. Its coverage area also includes the surrounding Greenbelt metro region.
Ramos Insurances serves Beltsville, Maryland, and the surrounding communities of Prince George's County. It handles disability insurance for local residents, providing coverage that helps replace lost income when an individual cannot work due to illness or injury. The company works with clients to understand their specific employment situations and income needs. To manage a typical job, it carefully evaluates a policyholder's occupation and earnings to find an appropriate benefit structure that supports their long-term financial stability.
For a one-time consultation, Hunt & Jenkins Insurance Agency: Allstate Insurance reviews current individual coverage and identifies gaps in protection. For an on-going need, they help adjust policy details as life circumstances evolve. Serving Beltsville, MD, as a disability insurance agent, they explain how long-term plans replace a portion of lost income if illness or injury prevents work. Policyholders meet with them face-to-face for initial planning and complex renewals, while simple questions or mid-year updates are handled as-needed on a scheduled or as-needed basis.
Castillo Insurance, LLC focuses on disability insurance strategies tailored for local professionals in Beltsville, Maryland, including assistance with employer-sponsored plans and individual policy placement. The firm works with clients to understand policy provisions, elimination periods, and benefit structures that protect income during unexpected health challenges. Whether helping a contractor maintain coverage between seasonal projects or a small business owner navigate benefits after a recent procedures, the agency addresses the timely need of securing financial stability during the unpredictable period of a flu season.
As the seasons change and financial priorities shift, many residents in Beltsville, MD, seek to protect their income against unexpected medical leave. Statland & Katz, Ltd. serves this need by guiding clients through policy options for disability coverage. Their work involves assessing individual employment situations and matching them with suitable plans from various carriers. For those considering protection, the company begins by reviewing current earnings and personal health history during a no-obligation consultation.
Albright Associates, Inc., located in Beltsville, Maryland, operates as a local disability insurance agent. The agency assists individuals and businesses in securing coverage that provides income protection in the event of illness or injury. Its work involves evaluating policy options to meet specific financial needs for long-term or short-term disability. The firm offers specialized add-ons such as own-occupation and residual disability coverage. It serves a variety of commercial sectors, including office environments, warehouses, and food service operations.
State Farm Insurance serves the greater Beltsville, Maryland, area as a Disability Insurance Agent, helping local residents and businesses secure income protection. The agency guides clients in understanding benefits available through employer plans and individual policies. They assist with evaluating key policy features such as elimination periods and benefit durations. Services include guidance on both short-term disability coverage for temporary illnesses and long-term disability solutions for more extended absences.
Day, Deadrick & Marshall Insurance serves residential clients in Beltsville, Maryland, with disability insurance policies designed to protect individual income. The agency also offers commercial disability coverage for small businesses and self-employed professionals throughout the surrounding area. Every policy is selected to match specific local earning structures and occupational risks. After an initial application and any claim filing, agents schedule follow-up consultations to review coverage needs between regular visits or life changes.
What Does a a Disability Insurance Agent in Beltsville Cost?
Disability insurance agent services in Maryland typically do not charge a separate fee because agents earn commissions from the insurance carrier. Policy premiums vary widely based on age occupation and benefit amount. For example a 35-year-old professional might pay 1% to 3% of their annual income for a policy. Costs can be higher for high-risk occupations or longer benefit periods. This is general information and not insurance advice.
About disability insurance agents in Beltsville
Disability insurance agents in Beltsville Maryland help individuals and businesses secure income protection policies. Maryland law requires insurers to follow specific claim handling rules under the Maryland Insurance Code. A local agent can guide you through policy options and the claims process for both short-term and long-term disability coverage.
Frequently Asked Questions
What does a disability insurance agent in Beltsville do?
A disability insurance agent helps you compare policies from different carriers and explains coverage terms. They can assist with filing initial claims and understanding policy exclusions. Agents do not provide legal advice but can refer you to an attorney if needed.
Are there Maryland laws that affect disability insurance claims?
Yes. Maryland has a prompt payment law requiring insurers to pay valid claims within 30 days of receiving proof of loss. The state also prohibits unfair claim settlement practices under the Maryland Insurance Code. An agent can explain how these rules apply to your policy.
How do I choose a disability insurance agent in Beltsville?
Look for an agent licensed in Maryland with experience in disability income insurance. Check their familiarity with policies from major carriers like The Standard or Guardian. Ask about their process for handling claim disputes and appeals.
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