The top-rated disability insurance agent in Laurel, Maryland is State Farm: Adam Herndon, rated 4.9 stars across 564 reviews. Other highly rated options include Simmerer Insurance, Laurel Insurance Center placas y seguro, Jay Young - State Farm Insurance Agent. This directory lists 20 disability insurance agents serving Laurel.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | State Farm: Adam Herndon | 8323 Cherry Ln Suite 13 | (240) 280-2285 |
| 2 | Simmerer Insurance | 601 7th St Ste 103 | (301) 386-0900 |
| 3 | Laurel Insurance Center placas y seguro | 8641 Cherry Ln | (301) 640-8509 |
| 4 | Jay Young - State Farm Insurance Agent | 3450 Fort Meade Rd Ste 209 | (301) 289-3140 |
| 5 | Mid Atlantic Insurance Financial | 13633 Baltimore Ave | (301) 604-4444 |
| 6 | Jessica Iglesias: Allstate Insurance | 511 4th St | (301) 683-0470 |
| 7 | Lucy Sanchez: Allstate Insurance | 3450 Fort Meade Rd Ste 106 | (301) 850-5030 |
| 8 | CNR Insurance Inc | 14502 Greenview Dr # 500 | (301) 490-9600 |
| 9 | Kathy Fowler - State Farm Insurance Agent | 510 4th St | (301) 369-0507 |
| 10 | Halkos Insurance Agency | 8635 Cherry Ln | (301) 206-5464 |
State Farm: Adam Herndon serves the Laurel, Maryland area as a disability insurance agent. The agency provides coverage designed to replace a portion of lost income if a client becomes unable to work due to illness or injury. Short-term and long-term disability policies are available to help individuals maintain financial stability during recovery. The agent assists local residents in understanding policy options, including benefit amounts and elimination periods, to tailor coverage to their needs. Specific services offered include individual disability plans and employer-sponsored group disability solutions.
Simmerer Insurance in Laurel, MD offers services as a disability insurance agent, assisting clients with protecting their income against illness or injury. The office provides ongoing policy reviews and claims support to ensure coverage meets changing needs. These services apply to a variety of situations, covering individual professionals as well as local businesses. The agency helps secure plans for those operating from single-family homes, apartments, and other affected properties such as retail stores and restaurants.
Laurel Insurance Center placas y seguro serves local homeowners, businesses, and property managers seeking disability insurance options in Laurel, Maryland. The agency assists clients with understanding coverage for income protection when injury or illness prevents work. General services include policy comparisons and application guidance for individual disability plans. The firm regularly helps customers from surrounding areas, including Beltsville and other communities within Prince George’s County.
Serving Laurel, Maryland, and the surrounding communities, Jay Young - State Farm Insurance Agent handles disability insurance and related coverage options for local residents and professionals. The agency assists individuals in understanding how disability policies can help protect their income during unexpected illness or injury. It also processes claims and explains policy terms to ensure clients know what their plans cover. A typical case begins with a review of the client’s current situation, followed by a thorough explanation of available plan features and exclusions to find a suitable fit.
Mid Atlantic Insurance Financial in Laurel, MD serves clients seeking disability income protection, distinguishing between single-occurrence short-term policies and recurring long-term coverage plans. These options address the risk of an illness or injury preventing work, offering financial support during recovery. Policyholders can choose a benefit that replaces a portion of their income either for a defined period or until retirement age. The firm structures its service on a one-time, scheduled, or as-needed basis, depending on the policy selected and the client’s ongoing needs.
As a disability insurance agent, this firm specializes in helping clients secure policies that replace a portion of income if an injury or illness prevents them from working. It serves Laurel, Maryland, and the surrounding area by explaining policy options and guiding individuals through the underwriting process to match their specific financial obligations and personal circumstances. Many residents seek its assistance during open enrollment or after a change in employment, when reviewing existing coverage for life changes such as a new baby or an approaching surgery becomes especially important.
As the spring storm season arrives in Laurel, homeowners and renters begin assessing their financial safety nets. Lucy Sanchez: Allstate Insurance serves local residents by explaining how disability insurance can protect household income during recovery from injury or illness. Policies are reviewed in straightforward language, outlining benefit periods, waiting times, and coverage limits that fit individual budgets. An initial assessment appointment is scheduled to evaluate current policies and identify any gaps that could leave a family vulnerable.
CNR Insurance Inc in Laurel, Maryland provides its clients with direct access to either one-time policy evaluations or ongoing, recurring support for their disability coverage needs. Their agency specializes in helping individuals and business owners identify income protection plans that match local and regional employment risks. Appointments for this service are run on either a scheduled or as-needed basis, depending on the client's current situation.
Kathy Fowler - State Farm Insurance Agent provides insurance services to the Laurel, Maryland area. The agency offers a general range of insurance products, specializing in disability insurance for individuals. Disability insurance helps replace lost income if a person becomes unable to work due to illness or injury. The agency guides clients in selecting appropriate policy options to protect their financial stability. This service is available for workers in various commercial sectors, including offices, warehouses, and food service operations.
Halkos Insurance Agency in Laurel, MD serves residents seeking individual disability income protection. The company also provides commercial disability coverage for local businesses in surrounding communities. Agents guide clients through policy options to safeguard income against illness or injury. They help assess coverage needs and explain benefit terms clearly. Clients can contact the agency to schedule an initial consultation for new policies or policy reviews. Follow-up service is available between regular visits to adjust coverage as circumstances change.
What Does a a Disability Insurance Agent in Laurel Cost?
Typical costs for disability insurance in Maryland range from 1% to 3% of your annual income for a policy with a 90 day waiting period. For example, a 40 year old earning 60,000 dollars per year might pay 600 to 1,800 dollars annually. Costs vary based on age, health, occupation, and benefit amount. This is general information, not insurance advice.
About disability insurance agents in Laurel
Disability insurance agents in Laurel Maryland help individuals and businesses find coverage that protects income if you cannot work. Maryland law requires certain employers to provide short-term disability benefits through the state program. A local agent can explain how private policies fill gaps in state coverage.
Frequently Asked Questions
What does a disability insurance agent in Laurel 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 understanding Maryland specific disability rules.
Do I need disability insurance if I live in Laurel Maryland?
Maryland has a state short-term disability program for eligible workers, but it provides limited benefits. Private disability insurance can replace a higher percentage of your income. An agent can help you decide if additional coverage is right for your situation.
How long does it take to get a disability insurance policy in Maryland?
The underwriting process usually takes 2 to 6 weeks. Your health history and occupation affect the timeline. An agent can guide you through the application and medical records request.
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