The top-rated disability insurance agent in Middleborough, Massachusetts is Patriot Growth Insurance Services (FBinsure) - Middleboro, rated 4.8 stars across 89 reviews. Other highly rated options include T.M. Ryder Insurance Agency, Inc., Kevin Sullivan Insurance, Barnicoat Insurance Inc. This directory lists 17 disability insurance agents serving Middleborough.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Patriot Growth Insurance Services (FBinsure) - Middleboro | 148 W Grove St | (508) 947-3036 |
| 2 | T.M. Ryder Insurance Agency, Inc. | 43 E Grove St #3 | (508) 947-7600 |
| 3 | Kevin Sullivan Insurance | 29 Samoset Street | (508) 998-0512 |
| 4 | Barnicoat Insurance Inc | 454 W Grove St #4 | (508) 947-0955 |
| 5 | Deb Sylvia Insurance | 161 E Grove St #4 | (508) 947-1614 |
| 6 | Bankers Life | 16 Commerce Blvd Ste 3 | (508) 923-5650 |
| 7 | Horace Mann Insurance Vernamonti Agency | 70 E Grove St #2 | (508) 947-6684 |
| 8 | Eastern Insurance Group LLC | 151 Campanelli Dr | (508) 923-2201 |
| 9 | Shannon Grady, Bankers Life Agent | 16 Commerce Blvd Ste 3 | (508) 923-5650 |
| 10 | Caleb Thomas, Bankers Life Agent | 16 Commerce Blvd Ste 3 | (508) 923-5650 |
Patriot Growth Insurance Services (FBinsure) in Middleborough, MA serves Plymouth County and the surrounding South Shore area with disability insurance agent services. The agency helps professionals understand the complexities of income protection planning. By evaluating clients’ unique occupational risks and financial obligations, the firm recommends personalized disability coverage options. Policies reviewed may include short-term and long-term disability plans designed to replace lost earnings during illness or injury. These services assist both individuals and small business owners in securing financial stability through tailored benefits.
T.M. Ryder Insurance Agency, Inc. provides a comprehensive range of disability insurance solutions for individuals and businesses in Middleborough, MA. The agency helps clients obtain coverage that replaces a portion of income if they become unable to work due to illness or injury. It offers ongoing service and plan reviews to ensure policies remain aligned with changing needs. The company services single-family homes, apartments, retail stores, and restaurants in the local area.
Serving homeowners, businesses, and property managers in Middleborough, MA, Kevin Sullivan Insurance provides disability insurance to protect income against unexpected illness or injury. It helps self-employed individuals and small business owners secure coverage that replaces lost earnings during recovery periods. The agency guides clients through policy options, explaining waiting periods and benefit durations. Coverage needs are assessed based on occupation and income levels. Kevin Sullivan Insurance also serves the nearby communities of Taunton and the greater Brockton metro area.
Barnicoat Insurance Inc serves Middleborough, Massachusetts, and the surrounding communities in Plymouth County. As a disability insurance agent, the company handles applications for individual and group disability income policies. These plans are designed to replace a portion of a client’s earnings if an illness or injury prevents them from working. For a typical job, it first assesses the client’s occupation and income needs, then compares available policy features from multiple carriers to find suitable coverage.
Deb Sylvia Insurance in Middleborough, MA distinguishes between an initial one-time policy evaluation session and recurring service for ongoing disability insurance needs. Coverage advice focuses on income protection for local professionals and business owners seeking to replace lost earnings due to illness or injury. The practice typically offers initial consultation on a scheduled basis, with ongoing policy reviews provided as needed.
Bankers Life specializes in helping clients secure disability income insurance to protect their earnings. As a disability insurance agent serving Middleborough, Massachusetts, it guides residents through policy options that provide financial stability when illness or injury prevents work. The agency explains benefit periods, elimination periods, and coverage terms suited to individual professions and budgets. During the open enrollment season for employer-sponsored plans or when a self-employed professional faces an unexpected health scare, it assists with evaluating supplementary private disability coverage to fill gaps in existing protection.
In the uncertain New England economy, local workers in Middleborough and the surrounding Plymouth County area may need to protect their income against unexpected illness or injury. Horace Mann Insurance Vernamonti Agency responds to that need by offering specialized disability insurance solutions. Their agents assess each client’s occupation and income to recommend suitable short-term or long-term disability coverage. A first step involves a no-obligation, in-person or virtual meeting to review the applicant’s current financial protection and determine the appropriate policy initial-assessment before any formal application proceeds.
Eastern Insurance Group LLC advises clients in Middleborough, Massachusetts on their financial protection needs, focusing specifically on disability insurance solutions. The firm helps individuals and business owners understand how replacement income policies can safeguard against lost earnings due to injury or illness. Their work covers group and individual plans designed to address distinct employment and coverage situations. This includes serving professionals operating in offices, managing staff in warehouses, and overseeing operations in food service environments.
Shannon Grady, Bankers Life Agent offers disability insurance services to residential clients in Middleborough, Massachusetts. Commercial coverage is also available for small and medium-sized businesses throughout the surrounding area. This agency helps individuals and employers understand how disability protection can support income during unexpected illness or injury. Follow-up service between regular visits is provided to adjust coverage as personal or business needs change over time. Ongoing support ensures long-term clarity and appropriate plan adjustments.
Caleb Thomas, Bankers Life Agent in Middleborough, MA, is known for providing individual disability insurance policies to local residents. The agency helps clients navigate income protection options designed to replace lost wages due to illness or injury. Services include assessing coverage needs, explaining policy terms, and assisting with claims. A specialty add-on service this agent offers is including an optional future purchase option rider to allow policy increases without additional medical underwriting.
What Does a a Disability Insurance Agent in Middleborough Cost?
In Massachusetts, disability insurance premiums typically range from 1% to 3% of your annual income. For a 35-year-old earning $60,000 per year, a policy might cost between $600 and $1,800 annually. Costs depend on your age, health, occupation, benefit amount, and waiting period. This is general information, not insurance advice.
About disability insurance agents in Middleborough
A disability insurance agent in Middleborough, Massachusetts helps you find a policy that replaces part of your income if you cannot work due to illness or injury. Massachusetts does not require employers to provide long-term disability insurance, but state law offers short-term benefits through the Paid Family and Medical Leave program. An agent can explain how private policies work alongside this state benefit.
Frequently Asked Questions
What does a disability insurance agent in Middleborough do?
A disability insurance agent helps you compare policies from different companies. They explain policy terms, waiting periods, and benefit amounts. They do not provide legal advice or handle claims disputes.
Is disability insurance required in Massachusetts?
Massachusetts does not require individuals to buy private disability insurance. However, most employers with six or more employees must provide short-term disability coverage through the state PFML program. This program does not replace private long-term disability insurance.
How does Massachusetts PFML affect private disability insurance?
Massachusetts PFML provides up to 26 weeks of paid leave for medical reasons at a percentage of your wages. A private disability insurance policy can supplement this benefit. An agent can help you coordinate both coverages to avoid gaps.