The top-rated disability insurance agent in Newburyport, Massachusetts is Arthur S Page Insurance, rated 4.9 stars across 66 reviews. Other highly rated options include Peter L Chetsas Insurance, Highstreet Insurance formerly Kane Insurance, Flexible Insurance Solutions. This directory lists 10 disability insurance agents serving Newburyport.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Arthur S Page Insurance | 57 State St | (978) 465-5301 |
| 2 | Peter L Chetsas Insurance | 68 Pleasant St | (978) 465-2700 |
| 3 | Highstreet Insurance formerly Kane Insurance | 29 Water St #214A | (978) 225-7933 |
| 4 | Flexible Insurance Solutions | 53 Storey Ave | (351) 212-2660 |
| 5 | Eastern Insurance Group LLC | 65 Parker St | (508) 651-7700 |
| 6 | Cross Insurance | 45 Storey Ave | (978) 225-6116 |
| 7 | Byfield Insurance Inc | 147 Merrimac St | (978) 462-0833 |
| 8 | Ocean Employee Benefits | 10 Prince Pl | (508) 265-5350 |
| 9 | Sullivan Insurance Inc | 4 Middle St | (978) 465-4110 |
| 10 | United Insurance | 38R Merrimac St Suite 202 | (978) 539-5900 |
Arthur S Page Insurance serves the Newburyport, Massachusetts area as a disability insurance agent. The agency provides coverage designed to replace a portion of lost income if a policyholder becomes unable to work due to illness or injury. These policies are often tailored for both short-term and long-term disability needs. The company assists local residents and professionals in selecting suitable plans. Services handled include individual disability income policies and group disability coverage for small businesses in the region.
Peter L Chetsas Insurance provides disability insurance agent services to individuals and small businesses in the Newburyport, MA area. The agency works with clients to identify suitable coverage options and helps with application and policy management tasks. Ongoing support includes assistance with claims submissions and periodic policy reviews to address changing needs. The agent serves a range of properties and client types, including single-family homes, multifamily apartments, retail locations, and local restaurants.
Highstreet Insurance, formerly Kane Insurance, serves homeowners, businesses, and self-employed professionals in Newburyport, Massachusetts, offering disability insurance agent services to help protect income against illness or injury. The company guides clients through policy options that replace lost wages during recovery, ensuring financial stability for households and operations. It also assists property managers and local contractors with tailored coverage solutions. Its service area extends to neighboring communities throughout Essex County, including coastal towns like Newbury and Salisbury.
Based in Newburyport, Flexible Insurance Solutions serves clients across the greater Merrimack Valley and surrounding coastal communities of northeastern Massachusetts. The agency handles both individual and group disability insurance policies, addressing income protection needs for professionals, small business owners, and self-employed workers throughout the region. Each client engagement typically begins with a thorough review of current coverage and personal risk factors. The agent then customizes a plan by comparing contract features and benefit structures from multiple carriers to secure tailored terms.
Eastern Insurance Group LLC provides disability insurance agent services to clients throughout Newburyport, Massachusetts. The company assists individuals with evaluating short-term and long-term disability coverage options, helping to structure plans that can replace a portion of income during periods of illness or injury. It also offers policy reviews and support for existing claims. These services are available for clients with diverse needs, including single-family homes, apartments, retail, and restaurants.
Cross Insurance in Newburyport, Massachusetts, serves homeowners, businesses, and property managers who require disability income protection. The agency helps local professionals and self-employed individuals secure policies that replace a portion of lost earnings due to illness or injury. Coverage options are tailored to different occupations and income levels, addressing the financial risks of an unexpected medical event. Cross Insurance also provides its disability insurance services to clients in the neighboring communities of Amesbury and Newburyport’s surrounding Essex County area.
In Newburyport, MA, a disability insurance agent with Byfield Insurance Inc assists clients by distinguishing between one-time policy purchases and recurring service options that provide ongoing portfolio adjustments. Coverage consultation focuses on replacing lost income when illness or injury prevents work, aligning policy terms with personal earnings and occupation-specific risks. These insurance plans aim to protect financial stability through predictable benefit structures. Service for existing or prospective policyholders at this firm runs on an as-needed basis, determined by client-initiated inquiries or life changes.
Ocean Employee Benefits in Newburyport, MA specializes in helping individuals and businesses evaluate short- and long-term disability coverage options tailored to different occupations and income levels. It provides ongoing claims support and policy reviews to ensure clients understand benefit structures and waiting periods. This agent assists local professionals and tradespeople in maintaining financial stability during extended illness or recovery from surgery, a crucial consideration for residents navigating winter months when workplace injuries and weather-related health issues commonly arise.
As fall storms bring unpredictable weather to the North Shore, residents in Newburyport consider their financial stability more carefully. Sullivan Insurance Inc guides local professionals through the complexities of disability insurance, helping protect their income during unexpected health challenges. They address the specific gaps often found in employer-based coverage and explore supplemental options suitable for self-employed individuals. Every policy review begins with a detailed assessment of a client’s current earnings and occupation risks.
United Insurance provides disability insurance agent services to individuals and businesses in Newburyport, Massachusetts, offering supplemental income protection policies that replace lost wages when a client cannot work due to injury or illness. As a local specialist, it helps customers navigate policy options, compare benefit terms, and file claims when necessary. This agency serves commercial sectors including professional offices, industrial warehouses, and food service establishments requiring tailored coverage for their workers.
What Does a a Disability Insurance Agent in Newburyport Cost?
Disability insurance agent services in Massachusetts are typically paid through commissions from the insurance carrier, so there is usually no direct fee to you. Policy premiums vary widely based on age, health, occupation, and benefit amount. For a typical professional in Newburyport, monthly premiums can range from 50 to 200 dollars for a policy covering 60 percent of income. Costs are different for each person and situation. This is general information, not insurance advice.
About disability insurance agents in Newburyport
Disability insurance agents in Newburyport Massachusetts help individuals and businesses find coverage that protects income if injury or illness prevents work. Massachusetts has specific state laws regarding disability benefits, including mandatory short-term disability through the Paid Family and Medical Leave program. A local agent can guide you through private policy options and explain how state benefits interact with your coverage.
Frequently Asked Questions
What does a disability insurance agent in Newburyport do?
A disability insurance agent helps you compare policies from different carriers, explains coverage terms, and assists with applications. They can also help you understand how Massachusetts Paid Family and Medical Leave affects your private disability plan.
Are disability insurance benefits taxable in Massachusetts?
If you pay premiums with after-tax dollars, benefits are generally tax-free. If your employer pays premiums, benefits may be taxable as income. Massachusetts follows federal tax rules for disability benefits.
How long do I have to file a disability claim in Massachusetts?
Private disability policies have their own time limits, often 30 to 90 days after disability begins. For state PFML benefits, you must file within 30 days of your leave start date. An agent can help you meet all deadlines.