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Compare Disability Insurance Agents in Middle River, MD

Looking for a disability insurance agent in Middle River? Review the directory below to compare your options.

4 agents listed
Updated May 2026
Middle River, MD
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Maryland before hiring.
Showing 4 disability insurance agents in Middle River, MD Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Doug J Kottraba Jr - State Farm Insurance Agent
1515 Martin Blvd Ste 207, Middle River, MD 21220
(410) 687-7747 dougkottraba.com
Niyi Aladetohun: Allstate Insurance
105 Carroll Island Rd Ste D, Middle River, MD 21220
(410) 335-1273 agents.allstate.com
Austen's Insurance Agency
3407 Eastern Blvd, Middle River, MD 21220
(410) 686-4700 austensinsurance.com
Nationwide Insurance: Dale D Davis Enterprises, Inc.
3 Middle River Rd, Middle River, MD 21220
(410) 687-5493

Disability insurance agents in Middle River, Maryland help residents navigate private and employer-sponsored disability policies. Maryland law requires insurers to respond to claims within 45 days under the Maryland Insurance Code. A local agent can explain how state regulations affect your coverage and benefits.

What Does a Disability Insurance Agent in Middle River Cost?

Disability insurance agent services in Maryland typically cost nothing upfront because agents earn commissions from insurance companies. Policy premiums vary widely based on age, health, occupation, and coverage amount, ranging from 1% to 3% of your annual income per year. For example, a 40-year-old professional might pay $1,500 to $3,000 annually for a policy covering 60% of income. This is general information, not insurance advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What does a disability insurance agent in Middle River do?
A disability insurance agent helps you find and apply for disability income protection policies. They explain policy terms, coverage limits, and how Maryland law affects your claim. They do not provide legal advice but can guide you through the insurance process.
How long do I have to file a disability claim in Maryland?
Maryland law does not set a specific deadline for filing a disability claim, but most policies require prompt notice. Check your policy for time limits, which are often 30 to 90 days. An agent can help you understand your policy requirements.
Can a disability insurance agent help with an appeal in Middle River?
Yes, an agent can assist with the initial appeal process by reviewing your policy and helping gather medical evidence. However, for complex appeals or legal disputes, you may need a disability lawyer. Agents follow Maryland Insurance Administration regulations.