The top-rated disability insurance agent in Blaine, Minnesota is Ameriguard Insurance Agency, rated 5.0 stars across 606 reviews. Other highly rated options include Tom Holland - State Farm Insurance Agent, Garth Merriman - State Farm Insurance Agent, Hometown MN Insurance Brokerage LLC. This directory lists 18 disability insurance agents serving Blaine.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ameriguard Insurance Agency | 9380 Central Ave NE #360 | (763) 767-0522 |
| 2 | Tom Holland - State Farm Insurance Agent | 11933 Central Ave NE | (763) 755-8680 |
| 3 | Garth Merriman - State Farm Insurance Agent | 1250 126th Ave NE Bay 500 | (651) 393-4991 |
| 4 | Hometown MN Insurance Brokerage LLC | 4325 Pheasant Ridge Dr NE Suite 603C | (612) 800-4644 |
| 5 | Hershey & Associates LLC American Family Insurance | 9360 Baltimore St NE | (763) 566-8343 |
| 6 | Insurance Brokers of Mn Inc | 11905 Central Ave NE | (763) 862-8889 |
| 7 | Patriot Insurance | 9298 Central Ave NE #422 | (763) 445-2200 |
| 8 | Policy Brokers Insurance Agency | 12105 Yancy St NE | (651) 321-0850 |
| 9 | Jeremy R Brandt Agency Inc American Family Insurance | 12265 Central Ave NE STE 101 | (763) 576-8800 |
| 10 | Barry Sniezek: Allstate Insurance | 12076 Central Ave NE | (763) 862-5555 |
Ameriguard Insurance Agency serves clients throughout Anoka County and the greater Blaine, Minnesota area. As a disability insurance agent, the company helps individuals and small businesses protect their income by arranging appropriate coverage plans. Disability insurance aims to replace a portion of lost earnings if an illness or injury prevents a person from working. The firm handles both short-term and long-term disability insurance policies, assisting clients in reviewing their employment benefits and exploring supplemental coverage options.
Tom Holland’s agency in Blaine, MN, provides comprehensive disability insurance services, including income protection planning and policy reviews to help safeguard earnings in case of injury or illness. The team offers ongoing support for policy adjustments and claims assistance, ensuring coverage evolves with changing needs. They frequently service a variety of property types, such as single-family homes, apartments, and retail or restaurant businesses within the local area.
Garth Merriman - State Farm Insurance Agent in Blaine, MN, serves homeowners, renters, and local business owners seeking financial protection. The agency offers disability insurance policies designed to replace a portion of income if a client cannot work due to illness or injury. Services also include guidance on policy customization to fit individual budgets and coverage needs. The agency further assists clients in the nearby community of Anoka and surrounding areas of the northern Twin Cities metro.
Hometown MN Insurance Brokerage LLC in Blaine, MN distinguishes between one-time disability insurance plans and recurring service agreements for ongoing policy management. Coverage options typically replace a portion of income if injury or illness prevents work. Policies address short-term and long-term benefit periods. Eligibility depends on occupation, health history, and current earnings. The company operates on an as-needed basis, with no set schedule, responding to each client’s request for initial advice or later adjustments to an existing policy.
Hershey & Associates LLC American Family Insurance serves clients in Blaine, Minnesota, and the surrounding communities. It handles disability insurance to help replace income when an illness or injury prevents work. The company explains policy details clearly, guiding each person through the application process. It reviews individual circumstances carefully to match coverage with needs. For a typical job, it compares benefit amounts and waiting periods from multiple insurers before recommending a policy.
Insurance Brokers of Mn Inc specializes in disability insurance, providing coverage that replaces income when clients in Blaine, MN cannot work due to injury or illness. The agency guides individuals through policy options, explaining benefit periods, elimination periods, and occupational definitions to match each client’s financial needs and employment situation. During open enrollment seasons or after a workplace injury, many turn to the firm for assistance in filing claims or adjusting existing policies to ensure continued protection against loss of earnings.
In the Minneapolis suburbs, winter weather often disrupts daily routines, making the need for disability income protection more pressing. At Patriot Insurance in Blaine, residents can meet with an agent to review personal circumstances and assess how an unexpected injury or illness might impact household finances. The discussion focuses on realistic coverage options tailored to local employment patterns. As a starting point, the agent conducts a thorough inspection of an individual’s current insurance portfolio before recommending an initial-assessment appointment for benefit calculations.
Policy Brokers Insurance Agency works with individuals and businesses in Blaine, Minnesota, to address financial risk from unexpected injuries or illnesses. It specializes in disability insurance agent services, helping clients manage income protection needs with tailored coverage options. The firm assists commercial sectors, including offices, warehouses, and food service operations, in securing appropriate plans to maintain operational stability during an employee’s recovery period.
Jeremy R Brandt Agency Inc American Family Insurance serves residential clients in Blaine, Minnesota, helping them secure disability coverage tailored to individual needs. The agency also offers commercial disability insurance solutions for local businesses requiring employee protection. Their service area encompasses Blaine and the surrounding communities. Clients typically receive follow-up consultations after initial policy setup, ensuring coverage remains aligned with changing circumstances. Repeat service occurs during regular visits to review options and adjust plans as needed.
What Does a a Disability Insurance Agent in Blaine Cost?
The cost of disability insurance in Minnesota typically ranges from 1% to 3% of your annual income for individual policies. For example, a 35-year-old in Blaine might pay $50 to $150 per month for a policy covering 60% of income. Group plans through employers often cost less. Costs vary based on age, health, occupation, and benefit terms. This is general information, not insurance advice.
About disability insurance agents in Blaine
Disability insurance agents in Blaine Minnesota help individuals and businesses find the right coverage to protect income in case of illness or injury. Minnesota law requires certain employer-provided disability plans to offer conversion options. Local agents can guide you through policy choices and the claims process specific to Minnesota regulations.
Frequently Asked Questions
What does a disability insurance agent in Blaine do?
A disability insurance agent helps you compare policies from different carriers and explains coverage options. They can assist with filing claims and understanding Minnesota-specific rules about benefit offsets and waiting periods. Agents do not provide legal advice but can help you navigate your policy.
How long do I have to file a disability claim in Minnesota?
Minnesota does not set a single deadline for all disability claims. Most private policies require you to notify the insurer within 20 to 30 days of becoming disabled. You should check your specific policy for time limits and submit documentation as soon as possible.
Are disability insurance benefits taxable in Minnesota?
If you paid the premiums with after-tax dollars, your benefits are generally tax-free. If your employer paid the premiums, benefits are usually taxable as income. Minnesota follows federal tax rules for disability benefits. An agent can help you understand how your premium payment method affects taxes.
Disability Insurance Agents in Other Minnesota Cities
Apple Valley · Bloomington · Brooklyn Park · Burnsville · Chanhassen · Chaska · Coon Rapids · Cottage Grove · Eagan · Eden Prairie · Edina · Elk River · Inver Grove Heights · Lakeville · Mankato