Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Massachusetts before hiring.
Showing 4 disability insurance agents in Spencer, MA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
David F. Kelley Insurance Agency, Inc.
154 Main St, Spencer, MA 01562
(508) 885-3794
davidkelleyins.com
HUB International
369 Main St #9, Spencer, MA 01562
(508) 885-9999
hubinternational.com
McGrath Insurance, a Division of Starkweather and Shepley Insurance
130 W Main St, Spencer, MA 01562
(508) 885-6545
starshep.com
Gregson Insurance Agency Inc
369 Main St, Spencer, MA 01562
(508) 248-3800
What Does a Disability Insurance Agent in Spencer Cost?
Costs for disability insurance in Massachusetts typically range from 1% to 3% of your annual income for a policy. For example, a 40 year old earning $60,000 per year might pay $50 to $150 per month for a long term policy. Costs vary based on age, health, occupation, and benefit terms. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a disability insurance agent in Spencer do?
A disability insurance agent in Spencer helps you compare policies from different carriers, explains benefit periods and elimination periods, and assists with filing claims. They do not provide legal advice but can clarify policy terms.
How is Massachusetts PFML different from private disability insurance?
Massachusetts PFML provides up to 26 weeks of paid leave for your own disability, but it replaces only a portion of your wages. Private disability insurance can offer higher benefit amounts and longer coverage periods, and an agent can help you choose a plan that supplements PFML.
Do I need disability insurance if I have workers comp in Massachusetts?
Workers compensation covers only job-related injuries or illnesses. Disability insurance covers non-work related conditions. In Massachusetts, you may need both to protect your income from all causes of disability.