The top-rated disability insurance agent in Frederick, Maryland is Adams Insurance Agency - A Relation Company, rated 4.9 stars across 304 reviews. Other highly rated options include Connie Phillips Insurance, Lindquist Insurance, BMC Insurance, Frederick MD. This directory lists 19 disability insurance agents serving Frederick.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Adams Insurance Agency - A Relation Company | 474 Prospect Blvd | (301) 662-0340 |
| 2 | Connie Phillips Insurance | 605 W Patrick St | (301) 662-5717 |
| 3 | Lindquist Insurance | 7430 New Technology Way Suite 120 | (301) 694-0008 |
| 4 | BMC Insurance, Frederick MD | 295 Bucheimer Rd B | (301) 698-5425 |
| 5 | Escobar Insurance Agency | 45 Waverley Dr Suite I | (301) 620-0950 |
| 6 | Lebherz Insurance | 401 W Patrick St | (301) 662-0250 |
| 7 | Insurance Brokers of Maryland, LLC | 182 Thomas Johnson Dr Ste 202 | (301) 668-2233 |
| 8 | Comparion Insurance Agency | 5283 Corporate Dr Ste 302 | (301) 620-1061 |
| 9 | Farmers Insurance - Jeffrey Dittman | 1030 W Patrick St | (240) 772-5808 |
| 10 | Salley Barrett at Comparion Insurance Agency | 5283 Corporate Dr Ste 302 | (301) 378-7626 |
Adams Insurance Agency, a Relation Company, serves Frederick, Maryland, and the surrounding county as a disability insurance agent. Its primary focus involves helping local residents and professionals select income protection policies that replace a portion of their earnings if illness or injury prevents them from working. The agency’s work regularly includes evaluating individual occupation-specific coverage options and guiding clients through the details of both short-term and long-term disability benefit plans. It specifically handles policy comparisons and personal consultations for self-employed individuals and small business owners in the Frederick area.
Connie Phillips Insurance provides disability insurance agent services to clients in Frederick, MD, helping individuals secure coverage to protect their income in the event of illness or injury. She assists with policy selection, claims support, and routine plan reviews to ensure coverage remains appropriate as circumstances change. Her work often involves educating clients on policy features and coordinating with employers or private insurers. In the local area, Connie Phillips Insurance typically serves single-family homes, apartments, retail stores, and restaurants seeking robust disability protection for their owners or employees.
Lindquist Insurance serves homeowners, businesses, and property managers throughout Frederick, Maryland, by connecting them with disability insurance policies that provide income protection in the event of an injury or illness. The agency assists clients in evaluating their coverage needs and selecting among various policy structures available in the local market. Lindquist Insurance focuses on guiding customers through the enrollment and claims process for long-term and short-term disability plans. Its coverage area also extends to clients in the neighboring Hagerstown metro region.
Serving Frederick, Maryland, and the surrounding communities in the region, BMC Insurance handles disability insurance needs for local professionals and businesses. It helps clients understand how disability coverage can protect their income during unexpected illness or injury. The company focuses on matching policy features with individual employment situations and risk factors. To handle a typical job, it begins by reviewing a client's occupation and current coverage, then compares policy options from different carriers to find suitable terms.
Escobar Insurance Agency serves Frederick, MD, offering both one-time disability insurance applications and ongoing policy reviews or updates. Their coverage options help protect local income against unforeseen medical conditions or injuries that prevent work. This agency tailors different policy structures to individual employment situations and financial obligations, ensuring suitable benefit terms. Service arrangements function on either a scheduled basis for regular consultation or as-needed when clients require immediate policy adjustments or new applications before a claim situation arises.
Lebherz Insurance specializes in disability insurance agent services for residents of Frederick, MD. It guides individuals through the process of selecting disability income protection policies to replace lost wages during illness or injury. The firm also helps small business owners evaluate group and individual disability options, advising on coverage gaps and elimination periods. For self-employed professionals, it addresses concerns about overhead expense coverage. During open enrollment seasons, it assists clients in reviewing existing policies for adjustments needed due to income or career changes.
As Frederick residents adjust their budgets for the new year, securing income protection becomes a pressing concern. Insurance Brokers of Maryland, LLC connects local professionals and small business owners with disability policies that replace lost earnings during illness or injury. Working throughout Frederick, this agency evaluates each client’s occupation and financial exposure before recommending suitable coverage. By guiding individuals through application paperwork and medical history requirements, the agent helps clarify the enrollment process. An initial consultation is arranged to review current employment benefits and identify insurance gaps for assessment.
Comparion Insurance Agency in Frederick, Maryland assists individuals and businesses with disability insurance coverage. The agency specializes in income protection policies designed to replace lost earnings during illness or injury. It works with clients to understand waiting periods and benefit durations that fit different financial needs. The agency serves a variety of commercial sectors, including offices, warehouses, and food service operations.
Farmers Insurance - Jeffrey Dittman serves residential clients in Frederick, Maryland, helping them secure disability income protection tailored to individual needs. The agency also offers commercial disability coverage for local businesses seeking to safeguard their operations. Service extends throughout the Frederick area, providing guidance on policy options and claims processes. After an initial consultation, the agency follows up to ensure coverage remains appropriate, encouraging repeat contact between regular visits to adjust plans as life or business circumstances change.
What Does a a Disability Insurance Agent in Frederick Cost?
The cost of disability insurance in Maryland varies based on age, health, occupation, and coverage amount. Typical premiums range from 1% to 3% of your annual income. For example, a 40-year-old in a low-risk occupation might pay $50 to $150 per month for a policy covering 60% of income. Costs are higher for high-risk jobs or pre-existing conditions. This is general information, not insurance advice.
About disability insurance agents in Frederick
Disability insurance agents in Frederick, Maryland help individuals and businesses secure income protection policies. Maryland law requires certain employer-sponsored plans to follow ERISA guidelines, which affect claim timelines and appeal rights. Local agents can guide you through policy options and the claims process specific to Frederick and the state of Maryland.
Frequently Asked Questions
What does a disability insurance agent in Frederick do?
A disability insurance agent helps you find and apply for disability insurance policies. They explain coverage options, policy terms, and exclusions. They do not provide legal advice but can assist with understanding your policy and filing initial claims.
How long do I have to file a disability claim in Maryland?
For private disability insurance policies, Maryland law generally allows up to 2 years to file a claim from the date of disability onset. For ERISA-governed group plans, the deadline is typically 180 days. Always check your specific policy for exact time limits.
Does Maryland have a state disability insurance program?
No, Maryland does not have a state-run short-term disability insurance program like California or New York. Residents rely on private disability insurance policies, employer-provided group plans, or Social Security Disability Insurance (SSDI) for income protection.
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