The top-rated disability insurance agent in Medford, Massachusetts is Risman Insurance Agency, rated 4.8 stars across 228 reviews. Other highly rated options include Milner Insurance Agency, Inc., Daniel N O'Rourke Insurance Inc, Bates Insurance Agency Inc.. This directory lists 19 disability insurance agents serving Medford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Risman Insurance Agency | 689 Fellsway | (781) 396-2116 |
| 2 | Milner Insurance Agency, Inc. | 121 Mystic Ave Suite 2 Rear | (781) 391-9449 |
| 3 | Daniel N O'Rourke Insurance Inc | 429 High St | (781) 396-8244 |
| 4 | Bates Insurance Agency Inc. | 92 High St B1 | (781) 396-4985 |
| 5 | Pompeo & Sons Insurance Agency, Inc | 464 High St | (781) 391-1630 |
| 6 | Gilbert Insurance Agency | 402 Salem St | (781) 391-3240 |
| 7 | OTL Benefits | 17 Crocker Rd | (978) 447-3737 |
| 8 | R J Quinn Insurance | City Building, 15 Main St | (781) 395-8400 |
| 9 | Francis C Vita Insurance Inc | 2 River St | (781) 396-4915 |
| 10 | Nobile Insurance Agency Medford | 39 Salem St | (781) 395-4200 |
Risman Insurance Agency serves the Medford, Massachusetts area as a local disability insurance agent, providing coverage for individuals and professionals who need to protect their income from illness or injury. The agency works with clients to meet medical and occupational underwriting requirements. It assists those seeking short-term disability policies that bridge gaps in employer coverage. It also helps self-employed residents secure long-term disability plans tailored to their independent work and earnings.
Milner Insurance Agency, Inc. offers a range of disability insurance agent services in the Medford area, including policy evaluation and enrollment assistance. The agency provides ongoing service plans for clients, helping them review and update coverage as personal circumstances change. General support includes claims guidance and answers to policy questions. The agency works with individuals and small business owners, and it also services the insurance needs of those who operate single-family homes, apartments, retail, and restaurants.
Homeowners and small business owners in Medford, MA seek out Daniel N O’Rourke Insurance Inc for disability insurance agent services that help protect household income and company continuity. The agency works to explain policy options and match clients with coverage suited to individual occupations and income levels. It also coordinates with other professionals to ensure a cohesive financial plan. This agent further serves neighboring communities throughout the Greater Boston area including Malden, Somerville, and parts of Middlesex County.
Bates Insurance Agency Inc. serves Medford, Massachusetts, and the surrounding communities in the greater Boston area with comprehensive disability insurance agent services. The agency handles the essential task of helping individuals and business owners obtain income protection policies that replace lost earnings if they become unable to work due to illness or injury. Bates Insurance Agency Inc. typically begins each job by meeting with the client to assess their personal financial situation and occupation-specific risks, then matches them to appropriate coverage options from available insurers.
Pompeo & Sons Insurance Agency, Inc in Medford, MA helps clients understand the difference between short-term and long-term disability policies, which serve either as a bridge for temporary income loss or as recurring support for extended inability to work. The agency guides individuals through coverage options designed to replace a portion of salary during illness or injury. Personalized consultations focus on aligning policy specifics with each client’s employment situation and financial obligations. Service is provided on an as-needed basis, allowing clients to request help when reviewing or updating their disability insurance needs.
Gilbert Insurance Agency in Medford, MA focuses its specialty on disability insurance, advising clients on policies that protect income in the event of injury or illness. It provides general service work by reviewing individual situations to match clients with appropriate disability coverage plans. For those in the Medford area, the agency helps address concerns related to seasonal workplace risks that can lead to temporary disability during winter months.
As the seasons change in Medford, many residents begin reviewing their financial protections and income security. OTL Benefits addresses this need by guiding individuals through the complexities of disability coverage as a local disability insurance agent. The company helps clients understand how policies can replace lost wages during illness or injury. Services include comparing plan options and clarifying policy terms to match personal budgets and employment situations. An initial assessment of current coverage and income needs is the first step in this process.
R J Quinn Insurance works with individuals and employers to structure coverage that protects income during illness or injury. Its disability insurance agent services in Medford, Massachusetts help clients select appropriate benefit periods, elimination periods, and riders for customized policies. The company can assist professionals in understanding group long-term disability options as well as individual short-term plans. Its client base includes small office environments, warehouse operations, food service establishments, and other commercial sectors requiring tailored wage replacement solutions.
Nobile Insurance Agency Medford in Medford, MA is known for guiding clients through the complexities of disability income protection. The agency assists individuals in assessing their coverage needs tailored to safeguard personal earnings against unexpected illness or injury. By evaluating diverse policy structures, they help match clients to plans that support household financial stability during recovery. For those seeking additional protection, the agency can also coordinate supplementary coverage that complements existing benefits from an employer or through a government program.
What Does a a Disability Insurance Agent in Medford Cost?
Disability insurance agent costs in Massachusetts vary. Agents typically earn commission from the insurance company so you may not pay a direct fee. Premiums for individual policies range from 1% to 3% of your annual income. Group policies through an employer often cost less. This is general information not insurance advice.
About disability insurance agents in Medford
Disability insurance agents in Medford Massachusetts help residents find coverage and file claims. Massachusetts law requires certain employer-provided disability benefits under the state Temporary Disability Insurance program. A local agent can explain how private policies work alongside state benefits.
Frequently Asked Questions
What does a disability insurance agent in Medford do?
A disability insurance agent helps you choose a policy and guides you through the claims process. They explain policy terms and can assist with appeals if a claim is denied.
How is Massachusetts disability insurance different from other states?
Massachusetts has a state Temporary Disability Insurance program that provides partial wage replacement for non-work related illness or injury. Private agents help you supplement this with individual or group policies.
Can a Medford agent help with a denied disability claim?
Yes an agent can review your policy and help you file an appeal. In Massachusetts you generally have 180 days from a denial to request a hearing with the state.