The top-rated disability insurance agent in Amherst, Massachusetts is Encharter Insurance, rated 4.8 stars across 241 reviews. Other highly rated options include Bresnahan Insurance Agency Inc, Five College Home Insurance Solutions, Facilities Insurance Co. This directory lists 10 disability insurance agents serving Amherst.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Encharter Insurance | 25 N University Dr | (855) 899-0305 |
| 2 | Bresnahan Insurance Agency Inc | 231 Triangle St | (413) 549-1100 |
| 3 | Five College Home Insurance Solutions | 101 University Dr | (413) 402-6658 |
| 4 | Facilities Insurance Co | 201 Natural Resources Rd | (413) 992-5652 |
| 5 | Amherst Insurance | 20 Gatehouse Rd | (413) 253-5555 |
| 6 | Amherst Life Insurance Inc. | 183 University Dr | (413) 307-0921 |
| 7 | Birmingham Brian D | 479 West St Suite 105 | (413) 256-1979 |
| 8 | Mass Mutual | Triangle St | — |
| 9 | Cynthia A Therrien, RICP, CLTC | 30 Boltwood Walk | (413) 230-3755 |
| 10 | Five College Home Insurance Solutions | 64 Spring St #12 | (413) 402-6658 |
What Does a a Disability Insurance Agent in Amherst Cost?
The cost of disability insurance in Massachusetts typically ranges from 1% to 3% of your annual income for a policy. For example, a 35-year-old earning $60,000 per year might pay between $600 and $1,800 annually for a plan that covers 60% of income. Costs vary based on age, health, occupation, and benefit terms. This is general information and not insurance advice.
About disability insurance agents in Amherst
Disability insurance agents in Amherst, Massachusetts help individuals and small business owners understand their coverage options. Massachusetts law requires employers to provide short-term disability coverage through the Paid Family and Medical Leave program, but private disability insurance can offer additional protection. An agent can explain how state benefits interact with private policies and assist with claims in the Amherst area.
Frequently Asked Questions
What does a disability insurance agent in Amherst do?
A disability insurance agent helps you select a policy, review existing coverage, and file claims. They can explain how Massachusetts Paid Family and Medical Leave benefits work with private disability insurance. Agents do not provide legal advice but can guide you through policy options.
How is disability insurance regulated in Massachusetts?
Disability insurance in Massachusetts is regulated by the Massachusetts Division of Insurance. Policies must comply with state laws, including the requirement for insurers to offer coverage for certain conditions. Agents must be licensed by the state to sell disability insurance.
Can I use a disability insurance agent if I already have a claim?
Yes, an agent can review your existing policy and help you understand your benefits. However, they cannot represent you in a dispute or appeal. For claim denials, you may need to contact the Massachusetts Division of Insurance or consult an attorney.