The top-rated disability insurance agent in Ellicott City, Maryland is Scott McGrew - State Farm Insurance Agent, rated 5.0 stars across 485 reviews. Other highly rated options include Alice Kwon - State Farm Insurance Agent, John Majerowicz - State Farm Insurance Agent, RHH Insurance. This directory lists 16 disability insurance agents serving Ellicott City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Scott McGrew - State Farm Insurance Agent | 4785 Dorsey Hall Dr STE 101 | (410) 730-4333 |
| 2 | Alice Kwon - State Farm Insurance Agent | 3454 Ellicott Center Dr #106 | (410) 461-3277 |
| 3 | John Majerowicz - State Farm Insurance Agent | 3290 Pine Orchard Ln STE D | (410) 744-3344 |
| 4 | RHH Insurance | 3290 N Ridge Rd #300 | (410) 465-4300 |
| 5 | J.E. Schenk & Associates, Inc. | 3675 Park Ave Suite 201 | (410) 465-7474 |
| 6 | Ron Regan Jr - State Farm Insurance Agent | 10194 Baltimore National Pike STE 102 | (410) 461-0070 |
| 7 | Allico Group Inc. | 3460 Ellicott Center Dr #203 | (410) 313-8688 |
| 8 | Mike Sawyer - State Farm Insurance Agent | 10194 Baltimore National Pike STE 102 | (410) 461-6100 |
| 9 | Sensible Insurance Maryland | 4892 Montgomery Rd | (240) 685-6277 |
| 10 | Specialty Insurance MD | 10326 Ellis Pike | (240) 746-1215 |
Scott McGrew - State Farm Insurance Agent serves Ellicott City, Maryland, and the surrounding Howard County area. The company assists individuals and families in securing financial protection against income loss due to illness or injury. Its primary services include helping clients compare individual disability insurance policies. This work involves reviewing coverage options that can replace a portion of a worker's salary during a period of disability. The agency specifically handles long-term disability insurance and short-term disability insurance policies through State Farm.
Alice Kwon - State Farm Insurance Agent in Ellicott City, MD, provides disability insurance services designed to help replace a portion of lost income if an illness or injury prevents work. The agency assists clients in selecting suitable policy options and offers ongoing support for policy maintenance, including claims filing guidance. These services help protect financial stability during recovery periods. The agency works with a range of property owners, including those with single-family homes, apartments, retail spaces, and restaurants.
John Majerowicz - State Farm Insurance Agent in Ellicott City, MD serves local homeowners, business owners, and property managers by helping them secure disability insurance policies that replace a portion of income if they become unable to work due to illness or injury. The agent explains coverage options and assists with claims, tailoring plans to individual income levels and professional needs. His office also provides coverage to clients in surrounding Howard County communities such as Columbia.
RHH Insurance serves clients in Ellicott City, Maryland, and surrounding communities such as Columbia and Catonsville. This agency handles disability insurance, helping individuals protect their income against the financial impact of illness or injury. The company assists local workers in understanding policy options and coverage limits. To complete a typical case, representatives review each client’s occupation and financial situation to align coverage with personal needs. They then guide the application process from initial consultation through policy delivery.
J.E. Schenk & Associates, Inc., operating in Ellicott City, MD, differentiates between assisting clients with a one-time disability insurance policy purchase for a fixed need versus arranging recurring premium protection plans that adjust as income goals evolve. As a disability insurance agent, the firm navigates local professionals toward coverage that replaces a portion of their earnings if injury or illness prevents work. Their service runs on either a one-time basis for a single plan review or through scheduled check-ins when long-term policy updates become necessary.
Ron Regan Jr - State Farm Insurance Agent in Ellicott City, Maryland, offers disability insurance to help replace lost income if an illness or injury prevents work. The agency also advises clients on selecting policy terms and coverage levels that align with their personal financial situation. This service is particularly relevant for area professionals and small business owners who need to protect earnings during the seasonally demanding holiday shopping period or the busy spring tax season.
In the Ellicott City area, the need for income protection often arises after a job change or a new health diagnosis. Allico Group Inc. functions as a licensed disability insurance agent, helping residents understand individual policy options to replace lost wages. Clients commonly explore waiting periods and benefit durations that suit their employment situation. During an initial consultation, the agent reviews current coverage gaps and identifies policies that match the client’s budget and occupation. An assessment of existing health conditions is then conducted to determine eligibility.
Mike Sawyer, operating as a State Farm Insurance agent, serves clients in Ellicott City and the surrounding area with a broad range of personal and commercial insurance products. The agency specializes in disability insurance policies, which help replace lost income if an injury or illness prevents a person from working. This coverage can be particularly valuable for self-employed individuals and small business owners. The company assists commercial clients in a variety of sectors, including offices, warehouses, and food service establishments.
Sensible Insurance Maryland serves residential clients in Ellicott City seeking disability coverage for income protection. Commercial coverage is also available for local businesses needing to safeguard key employees or partners. The agency serves clients throughout the greater Howard County area, offering guidance on policy options suited to individual circumstances. Between regular visits, the agency remains accessible for follow-up questions and policy adjustments as clients’ needs evolve.
Specialty Insurance MD, based in Ellicott City, MD, is known for assisting professionals in the region with disability insurance coverage. The agency helps clients evaluate their income protection needs and secure suitable policies tailored to their specific occupations and earnings. It works with individuals and small business owners to understand the claims process and policy riders. A specialty service it can add on is offering future increase options to adjust coverage as earnings grow.
What Does a a Disability Insurance Agent in Ellicott City Cost?
The cost of disability insurance in Maryland typically ranges from 1% to 3% of your annual income. For example a 40-year-old earning $60,000 per year might pay $600 to $1,800 annually for a policy. Factors include age health occupation and benefit amount. Costs vary by carrier and case. This is general information not insurance advice.
About disability insurance agents in Ellicott City
Disability insurance agents in Ellicott City Maryland help residents protect their income with individual or group disability policies. Maryland law requires certain employers to offer short-term disability coverage under the state program. A local agent can guide you through policy options and claims processes specific to Howard County and the state of Maryland.
Frequently Asked Questions
What does a disability insurance agent in Ellicott City do?
A disability insurance agent helps you find and purchase a disability insurance policy that fits your needs. They explain policy terms, compare plans from different carriers, and assist with filing claims. In Maryland agents must be licensed by the Maryland Insurance Administration.
Does Maryland require employers to provide disability insurance?
Maryland does not require private employers to provide long-term disability insurance. However Maryland has a state-run short-term disability insurance program for workers who contribute through payroll deductions. A local agent can explain how private coverage supplements this state benefit.
How long do I have to file a disability claim in Maryland?
For private disability insurance policies the time limit to file a claim is set by your specific policy contract. Maryland law generally allows up to two years from the date of disability to file a claim under most group policies. Check your policy or ask an agent for exact deadlines.
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