The top-rated disability insurance agent in Elkridge, Maryland is Zacharias Insurance Agency, rated 4.9 stars across 153 reviews. Other highly rated options include Mary Crow - State Farm Insurance Agent, Tonya Semones: Allstate Insurance, J & L Insurance Services LLC. This directory lists 11 disability insurance agents serving Elkridge.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Zacharias Insurance Agency | 6755 Business Pkwy #104 | (410) 660-2699 |
| 2 | Mary Crow - State Farm Insurance Agent | 6325 H, Washington Blvd | (410) 379-6500 |
| 3 | Tonya Semones: Allstate Insurance | 5841 Washington Blvd | (410) 796-0370 |
| 4 | J & L Insurance Services LLC | 6865 Deerpath Rd Suite 101 | (443) 775-9566 |
| 5 | Continental Insurance Agency, Inc. | 7421 Washington Blvd | (410) 540-9999 |
| 6 | Semones Insurance: Allstate Insurance | 5841 Washington Blvd | (410) 796-0370 |
| 7 | Todd J. Zoren: Allstate Insurance | 6010 Meadowridge Center Dr SUITE G | (410) 551-3005 |
| 8 | APWU Health Plan | 6514 Meadowridge Rd Ste 195 | (800) 222-2798 |
| 9 | Syed Insurance | 6363 Washington Blvd Suite C | (410) 645-1715 |
| 10 | insurance pickle | 5965 Sandy Ridge | (877) 634-1256 |
Zacharias Insurance Agency serves the Elkridge, Maryland, area and surrounding Howard County as a local disability insurance agent. The company assists individuals and professionals in finding income protection plans that help replace lost earnings if illness or injury prevents them from working. Policies are sourced from various insurers to match different occupations and budget requirements. Specific services handled in this region include short-term disability coverage and long-term disability insurance for self-employed clients.
Mary Crow, as a State Farm Insurance Agent in Elkridge, MD, offers a range of disability insurance services designed to help protect clients' income if they are unable to work due to illness or injury. The agency provides ongoing service and maintenance of existing policies, including plan reviews and assistance with claims. This local office serves individuals and families in the surrounding community. It services single-family homes, apartments, retail businesses, and restaurants.
Tonya Semones: Allstate Insurance serves Elkridge homeowners, business owners, and property managers by providing disability insurance coverage to help replace lost income if an illness or injury prevents work. The agency guides clients through policy options that protect their financial stability during recovery. It also understands local employment conditions and coverage needs across Howard County. In addition to Elkridge, the agency covers neighboring Columbia and other parts of the surrounding Baltimore-Washington metropolitan area.
J & L Insurance Services LLC serves clients in Elkridge, Maryland, and the surrounding communities, handling disability insurance agent needs. This company assists individuals and businesses in protecting income against unexpected injury or illness. It evaluates each client's specific occupation and financial situation to identify appropriate coverage options. The firm then guides clients through the application process with insurers, helping to compare policy terms and conditions. A typical job is managed by breaking down complex policy details and ensuring the client understands how benefits would apply in their particular circumstances.
Continental Insurance Agency, Inc., based in Elkridge, Maryland, offers both one-time policy consultations and ongoing coverage management for disability insurance needs. Clients may seek a single plan evaluation or require periodic adjustments as personal circumstances, employment changes, or health conditions evolve. The agency assists individuals in selecting appropriate disability income protection to replace lost wages during an illness or injury that prevents work. Service arrangements are typically provided on an as-needed basis, allowing flexibility for clients to request support when revising or renewing their coverage.
As the seasons change and local residents in Elkridge update their financial safeguards, reliable income protection becomes a priority. Semones Insurance: Allstate Insurance provides professional disability insurance agent services for the community. Their team helps clients understand policy options for replacing lost earnings if injury or illness prevents work. They focus on matching coverage to individual employment situations and typical occupational risks found in the greater Maryland area. The process begins with an initial assessment of current earnings and potential benefit needs during a no-obligation consultation.
As a disability insurance agent, Todd J. Zoren: Allstate Insurance in Elkridge, MD provides assistance with income protection plans designed to replace a portion of earnings if an illness or injury prevents work. The agency also offers general insurance services for local residents, helping clients evaluate their financial safeguards against unexpected interruptions in employment. For those approaching retirement, it can provide guidance on how disability coverage interacts with long-term needs and Social Security benefit timelines to ensure continuity of financial stability.
APWU Health Plan serves as a disability insurance agent in Elkridge, Maryland, helping clients protect their income through policy placement and claims support. The company specializes in coordinating supplemental coverage options for individuals seeking added financial security during illness or injury. It works with a variety of commercial sectors, including local office environments, warehouse facilities, and food service operations.
Serving clients in Elkridge, MD, Syed Insurance assists individuals with disability insurance coverage for their residential needs. Commercial disability insurance is available to protect local business owners and their income. The agency serves clients throughout Howard County and the surrounding central Maryland region. For each client, policies are carefully reviewed during the initial consultation. After a policy is put in place, the agent follows up to confirm the coverage still aligns with the client’s lifestyle and income requirements during regular visits.
Insurance Pickle in Elkridge, MD is known for helping local professionals assess their income protection needs against unexpected illness or injury. The agency works with individuals to structure disability insurance policies that fit varying budgets and employment situations. Coverage often extends to partial disability benefits and own-occupation provisions common in this region. As a disability insurance agent, it can also assist clients by adding a future increase option to safeguard coverage against inflation and salary growth.
What Does a a Disability Insurance Agent in Elkridge Cost?
Disability insurance premiums in Maryland typically range from 1% to 3% of your annual income for a standard policy. For a 40-year-old earning 75000 per year, a policy might cost between 75 and 225 per month. Costs vary based on age, health, occupation, and benefit terms. This is general information and not insurance advice.
About disability insurance agents in Elkridge
Disability insurance agents in Elkridge Maryland help residents and small business owners secure income protection policies. Maryland law requires certain employers to provide short-term disability benefits through the Maryland Paid Family and Medical Leave program starting in 2025. A local agent can explain how private disability insurance fills gaps left by state programs.
Frequently Asked Questions
What does a disability insurance agent in Elkridge do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit amounts, elimination periods, and policy exclusions. They also assist with filing claims and navigating the appeals process.
How is Maryland disability insurance different from other states?
Maryland has a state-run paid family and medical leave program that provides partial wage replacement. Private disability insurance can supplement this coverage. Agents in Elkridge understand how to coordinate private policies with the new Maryland program.
Can a disability insurance agent help if my claim is denied?
Yes, many agents provide guidance on the appeals process. They can review your policy language and help you gather medical evidence. However, for formal legal appeals you may need to consult an attorney who handles ERISA or disability law.
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