The top-rated disability insurance agent in Hingham, Massachusetts is AW Family Insurance, rated 5.0 stars across 183 reviews. Other highly rated options include International Citizens Insurance, Craig Hildreth Insurance Agency, McGunnigle Insurance Inc. This directory lists 13 disability insurance agents serving Hingham.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AW Family Insurance | 99 Derby St Suite 200 | (781) 556-1032 |
| 2 | International Citizens Insurance | 18 Shipyard Dr #2a | (617) 500-6738 |
| 3 | Craig Hildreth Insurance Agency | 18 Shipyard Dr #2a | (781) 385-5073 |
| 4 | McGunnigle Insurance Inc | 342 Rockland St | (781) 740-4600 |
| 5 | Blue Cross Blue Shield of Massachusetts | 25 Technology Pl | (617) 246-5000 |
| 6 | Child-Genovese Insurance Agency Inc | 99 South St | (781) 749-7566 |
| 7 | John J Lamb Insurance Agency Inc. | 24 North St | (781) 749-6960 |
| 8 | Walter J May Insurance Inc | 188 Whiting St | (781) 749-4310 |
| 9 | BasicWise Insurance Agency | 99 Derby St | (339) 204-4977 |
| 10 | Trust Insurance LLC | 195 Old Derby St | (339) 219-1044 |
AW Family Insurance serves Hingham, Massachusetts, and the surrounding region as a disability insurance agent. The company helps individuals and families explore coverage options designed to replace lost income during illness or injury. It guides clients through the process of securing policies that fit their financial needs. The firm specializes in both short-term and long-term disability insurance solutions.
International Citizens Insurance provides a full range of disability insurance agency services in the Hingham, Massachusetts area. Its ongoing work includes helping clients evaluate policy options to replace lost income due to illness or injury. The office assists with policy management and maintaining adequate coverage as personal circumstances change. It typically serves individual homeowners, apartment dwellers, and small business owners operating retail establishments and restaurants.
Serving Hingham, Massachusetts, and the surrounding South Shore communities, the Craig Hildreth Insurance Agency handles individual disability insurance policies. These policies are designed to replace a portion of a client's income if they cannot work due to illness or injury. The agency works with local residents to review how a disability could affect their personal financial situation. For a typical job, it first meets with the client to discuss their current coverage and employment needs before comparing policy features from different insurers to find a suitable match.
For those seeking either a one-time policy review or ongoing portfolio management, McGunnigle Insurance Inc serves as a disability insurance agent in Hingham, MA. The agency can help clients understand coverage options that replace a portion of income if injury or illness prevents working. Addressing both short-term and long-term needs requires evaluating individual occupation and financial circumstances. Determining the appropriate type of policy and benefit period is central to this process. Clients may arrange services on a one-time, scheduled, or as-needed basis to suit their personal planning needs.
Blue Cross Blue Shield of Massachusetts serves homeowners, businesses, and property managers in Hingham seeking disability insurance agent services. It helps clients review policy options that replace a portion of income if illness or injury prevents work. The agency assists with understanding benefit terms, waiting periods, and premium structures for individual or group plans. Whether protecting personal earnings or covering key employees, it offers guidance on tailoring coverage to local employment conditions. Its service area also extends to the surrounding South Shore communities, including Cohasset and Hull.
Child-Genovese Insurance Agency Inc in Hingham, MA, offers specialized disability insurance planning to help individuals protect their income against unforeseen health setbacks. The agency also provides general insurance services tailored to the needs of local professionals and small business owners throughout the greater Boston area. Recognizing that long-term illness or accident can threaten financial stability, it assists clients in evaluating benefit options that safeguard their earnings. During the winter months, for example, the firm often addresses concerns about temporary injuries from snow removal or seasonal sports.
A common concern for residents on the South Shore is how to replace income if a sudden illness or injury prevents them from working. John J Lamb Insurance Agency Inc. in Hingham addresses this need by specializing in disability insurance agent services that protect against such financial disruption. The agency helps local professionals assess their current coverage gaps and navigate policy options designed for varied occupations. It begins this process with a thorough initial consultation and a personal review of each client’s employment situation.
Walter J May Insurance Inc serves professional and individual clients in Hingham and the surrounding Massachusetts area, addressing financial protection needs. The firm specializes in disability insurance, providing coverage options to safeguard income during illness or injury. It assists offices, warehouses, and food service operations in structuring policies, offering tailored solutions that help businesses and their employees manage income-related risk through established insurance products.
BasicWise Insurance Agency serves residents of Hingham and the surrounding South Shore area, providing disability insurance coverage for individual needs. The agency also assists local businesses in securing commercial disability policies for their employees. Their service area extends throughout Plymouth and Norfolk counties. Clients benefit from personalized guidance through the selection and application process. The agency maintains ongoing relationships, offering follow-up support and policy reviews between regular visits to ensure coverage keeps pace with changing circumstances.
Trust Insurance LLC in Hingham, MA, is known for helping individuals and businesses assess their income protection needs through disability insurance. The firm provides guidance on long-term and short-term disability policies designed to replace lost wages during illness or injury. Its agents assist clients in navigating policy options that align with financial goals and employment circumstances. A consultative approach helps tailor coverage to various professional risks and personal budgets. Many clients add an optional future purchase rider that allows increased coverage without additional medical review.
What Does a a Disability Insurance Agent in Hingham Cost?
Disability insurance premiums in Massachusetts typically range from 1% to 3% of your annual income for individual policies. For a 40-year-old earning 100,000 dollars per year, a policy might cost between 1,000 and 3,000 dollars annually. Group rates through an employer are often lower. Costs vary based on age, health, occupation, and policy features. This is general information and not insurance advice.
About disability insurance agents in Hingham
Disability insurance agents in Hingham Massachusetts help residents and business owners find income protection policies. Massachusetts law requires employers to offer a state-mandated short-term disability program through the Paid Family and Medical Leave PFML system. Agents can guide you on supplementing this state benefit with private long-term disability coverage.
Frequently Asked Questions
What does a disability insurance agent in Hingham do?
A disability insurance agent helps you compare policies from different carriers. They explain policy terms such as elimination periods and benefit durations. They do not provide legal advice but can assist with the application process.
Does Massachusetts require disability insurance for employees?
Massachusetts requires most employers to provide paid family and medical leave through the state PFML program. This provides partial wage replacement for disability. Private disability insurance is optional but can offer higher benefits and longer coverage.
How do I choose a disability insurance agent in Hingham?
Look for an agent licensed in Massachusetts with experience in individual and group disability policies. Ask about their familiarity with Massachusetts PFML rules. Check their reputation through local business groups or the Massachusetts Division of Insurance.