The top-rated disability insurance agent in Winchester, Massachusetts is Scotti Insurance Agency, rated 4.3 stars across 14 reviews. Other highly rated options include Saltmarsh Insurance Agency, Admiralty Insurance Agency Inc, John A Pierce Insurance Inc. This directory lists 11 disability insurance agents serving Winchester.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Scotti Insurance Agency | 19 Mt Vernon St | (781) 729-9200 |
| 2 | Saltmarsh Insurance Agency | 751 Main St | (781) 729-4615 |
| 3 | Admiralty Insurance Agency Inc | 2 Central St | (781) 721-5500 |
| 4 | John A Pierce Insurance Inc | 934 Main St | (781) 729-8770 |
| 5 | W Allan Wilde & Son Insurance Agency, Inc. | 887 Main St #1911 | (781) 729-1400 |
| 6 | Horace Mann Insurance Co | 895 Main St | (781) 368-9029 |
| 7 | Furey Insurance | 28 Church St #8 | (781) 721-5758 |
| 8 | Barry & McHugh Insurance Inc | 10 Skillings Rd | (781) 729-6600 |
| 9 | BARRY FREEMAN | 895 Main St | (781) 368-9029 |
| 10 | Ducey Insurance Agency | 10 Skillings Rd | (781) 235-6795 |
Scotti Insurance Agency serves the Winchester, MA, area as a local disability insurance agent. The agency helps clients obtain coverage that replaces a portion of income if illness or injury prevents them from working. It assists with policies designed to protect self-employed professionals, as well as individuals seeking employer-based disability benefits. This office handles both short-term and long-term disability insurance plans for residents of the region.
Saltmarsh Insurance Agency provides disability income protection services in the Winchester, MA area, including individual policy evaluations and group plan coordination for local professionals. Its service model focuses on matching coverage options to each client’s specific occupation and income needs. The agency also conducts periodic policy reviews to help adjust benefits as financial circumstances change over time. Properties serviced include single-family homes, apartments, retail stores, and restaurants.
Admiralty Insurance Agency Inc serves individuals and small businesses in Winchester, Massachusetts, and the surrounding communities. It handles applications for disability income protection, assisting clients who need coverage to replace lost wages during illness or injury. The agency helps navigate policy options from various carriers, ensuring customers understand benefit terms and waiting periods. Its general approach involves gathering a client’s occupational and health details to match them with an appropriate plan that meets their specific income replacement needs.
John A Pierce Insurance Inc serves local homeowners, business owners, and self-employed professionals in Winchester, Massachusetts, by helping them secure disability income protection policies. The agency assists clients in understanding how disability insurance can replace a portion of lost earnings if an injury or illness prevents them from working. It guides customers through plan options suited to their individual occupational risks and financial needs, ensuring coverage aligns with their specific circumstances. The firm also provides its services to residents and businesses in neighboring communities throughout Middlesex County.
Unlike one-time filings managed only at claim, W Allan Wilde & Son Insurance Agency, Inc. handles long-term disability and supplemental coverage renewals year after year, ensuring policies remain current for Winchester residents. Disability insurance replaces part of lost income when illness or injury prevents working, with tailored options for legal, medical, or trades professionals. Assessments review elimination periods and benefit durations individually. Service runs on a scheduled basis for clients who want annual policy reviews without recurring monthly contact.
Horace Mann Insurance Co offers disability insurance agent services in Winchester, Massachusetts. It helps professionals evaluate income protection options to replace lost earnings during illness or injury. The agency works with individuals to understand policy terms and coordinate benefit structures for local residents. It advises on long-term and short-term coverage for financial stability. This assistance becomes particularly valuable during flu season or after a workplace accident, when unexpected time away from work may create immediate income gaps.
As winter approaches in Winchester, many residents consider how they would manage financially if an illness or injury kept them from their careers. Furey Insurance helps clients in the area evaluate disability insurance options to protect their regular income during such unexpected health events. The agency provides tailored consultations, reviewing employment coverage gaps and explaining personal policy features like benefit periods and elimination periods. To begin, the agent discusses each client’s current occupation and financial commitments in an initial assessment meeting.
Barry & McHugh Insurance Inc provides residential disability insurance to individuals in Winchester, MA. It also offers commercial disability coverage to local businesses and self-employed professionals within the surrounding area. The agency takes time to assess each client’s occupation and income, explaining how benefits replace lost earnings after an injury or illness. Follow-up is conducted between regular visits to review policy changes or any shifts in coverage needs, ensuring ongoing protection adjusts with the client’s situation.
Barry Freeman serves clients in Winchester as a disability insurance agent, focusing on protecting incomes from unexpected health setbacks. This work involves assessing individual coverage needs and arranging policies that offer financial security during periods of medical leave. Regular services include consultations on benefit durations and elimination periods. The firm can assist various commercial sectors, from offices and warehouses to food service operations, each requiring tailored solutions for employee protection.
Ducey Insurance Agency in Winchester, Massachusetts is known for guiding individuals through the process of securing disability insurance coverage. Its service range includes helping professionals replace a portion of lost income if illness or injury prevents them from working. The agency assists clients in comparing policies that protect against financial hardship during recovery periods. The team further explains policy terms, waiting periods, and benefit durations to ensure clear understanding. A specialty service it can add on is tailored coverage for self-employed workers seeking to safeguard their personal earnings against long-term disability.
What Does a a Disability Insurance Agent in Winchester Cost?
Costs for disability insurance in Massachusetts vary based on age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of annual income, so a policy covering $5,000 per month might cost $50 to $150 per month. High-risk occupations or pre-existing conditions can increase rates. This is general information, not insurance advice.
About disability insurance agents in Winchester
Disability insurance agents in Winchester, Massachusetts help residents and small business owners find coverage that protects income during illness or injury. Massachusetts requires employers to provide short-term disability benefits under the state Paid Family and Medical Leave (PFML) law, but private agents can help supplement this with individual long-term policies. Working with a local agent ensures you understand how state regulations affect your coverage options.
Frequently Asked Questions
What does a disability insurance agent in Winchester do?
A disability insurance agent helps you compare policies from different carriers, explains benefit terms, and assists with the application process. They can also advise on how private coverage interacts with Massachusetts PFML benefits.
Is disability insurance required in Massachusetts?
Massachusetts does not require individuals to buy private disability insurance. However, employers with covered employees must provide PFML benefits, which include partial wage replacement for disability. A private agent can help you fill gaps in this state program.
How do Massachusetts PFML rules affect private disability insurance?
Massachusetts PFML provides up to 26 weeks of partial paid leave for your own serious health condition. Private disability insurance can provide additional income and longer benefit periods. An agent can help coordinate these benefits to avoid overinsurance.