The top-rated disability insurance agent in Cottage Grove, Minnesota is Tim Zajicek - State Farm Insurance Agent, rated 5.0 stars across 124 reviews. Other highly rated options include Nate Pica-Anderson - State Farm Insurance Agent, Truguard Insurance Brokers, Brady Snedden - State Farm Insurance Agent. This directory lists 10 disability insurance agents serving Cottage Grove.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Tim Zajicek - State Farm Insurance Agent | 8617 W Point Douglas Rd S #150 | (651) 459-0224 |
| 2 | Nate Pica-Anderson - State Farm Insurance Agent | 7450 E Point Douglas Rd S | (651) 365-2343 |
| 3 | Truguard Insurance Brokers | 8063 Hadley Ave S | (651) 888-2170 |
| 4 | Brady Snedden - State Farm Insurance Agent | 7420 80th St S Ste 200 | (651) 458-0425 |
| 5 | Farmers Insurance - Jennifer Wheeler | 7449 80th St S | (651) 459-6699 |
| 6 | Daniel Lawrence American Family Insurance | 7750 Harkness Ave S #103 | (651) 458-6900 |
| 7 | Jack Germo - State Farm Insurance Agent | 7450 E Point Douglas Rd S | (651) 458-0425 |
| 8 | Andrea Zajicek - State Farm Insurance Agent | 8617 W Point Douglas Rd S #150 | (651) 459-2207 |
| 9 | Darin Husaby American Family Insurance | 8617 W Point Douglas Rd S #180 | (651) 458-3519 |
| 10 | Tim Maluski Agcy, Inc. American Family Insurance | 8617 W Point Douglas Rd S #180 | (651) 458-3519 |
Tim Zajicek - State Farm Insurance Agent serves the Cottage Grove area of Washington County, Minnesota, as a disability insurance agent. The agency helps local individuals and families obtain financial protection against the loss of income due to illness or injury. Clients can explore policies that replace a portion of their earnings if they become unable to work. The office also handles long-term and short-term disability insurance plans tailored to different professional and personal needs.
Nate Pica-Anderson - State Farm Insurance Agent in Cottage Grove, Minnesota offers a range of services focused on providing disability insurance coverage to help protect clients' income in the event of an illness or injury. The agency assists with policy options that can be tailored to individual financial needs and goals. Ongoing service includes reviewing existing plans to ensure they remain aligned with changing circumstances. These policies are designed for a diverse client base, including single-family homeowners, apartment dwellers, retail workers, and restaurant employees.
Truguard Insurance Brokers serves homeowners, businesses, and property managers in Cottage Grove, Minnesota, by providing disability insurance agent services. The company assists clients in understanding their options for income protection, helping them select policies that align with individual needs and financial situations. Its work focuses on explaining coverage details and navigating the application process for both short-term and long-term policies. This agency also covers the neighboring community of Woodbury and surrounding areas in the eastern metro region.
Brady Snedden - State Farm Insurance Agent serves Cottage Grove and the surrounding communities in Washington County. The agency handles disability insurance, which provides income replacement when a client is unable to work due to illness or injury. For each new case, the agent first reviews the individual’s occupation and current earnings to determine appropriate coverage levels and elimination periods.
Farmers Insurance - Jennifer Wheeler specializes in disability insurance planning for individuals and families in Cottage Grove, MN. The agency provides tailored coverage options designed to protect income if an illness or injury prevents work. It also offers guidance on policy selection and claim processes, helping clients understand how disability insurance integrates with their overall financial strategy. The company assists residents in reviewing coverage before seasonal employment changes, such as shifts in construction or retail work, that may require updated protection.
As winter approaches in Cottage Grove, residents often consider how an unexpected illness or injury might affect their income. Daniel Lawrence American Family Insurance helps local workers explore disability insurance options to protect their earnings during recovery. This agent focuses on explaining policy structures, benefit periods, and elimination periods that suit individual needs. Evaluating one’s current coverage gaps is essential before selecting a plan. The process begins with a comprehensive needs assessment to determine appropriate benefit amounts and waiting periods.
Jack Germo, operating as a State Farm Insurance agent in Cottage Grove, MN, assists clients with disability insurance by distinguishing between short-term coverage for temporary conditions and long-term policies for lasting impairments. This agent helps individuals replace a portion of missed income when injury or illness prevents work, structuring plans around the specific waiting periods and benefit durations that suit each person. The agent’s service for this category runs on an as-needed basis to address policy updates or claims questions.
Andrea Zajicek - State Farm Insurance Agent provides general insurance services to residents and businesses in Cottage Grove, Minnesota. The agency specializes in offering disability insurance, which helps replace income if an individual cannot work due to injury or illness. Policy options are tailored to protect personal finances and business operations. In this area, coverage details are clearly explained for different work environments. The agency serves a variety of commercial sectors, including professional offices, warehouses, and food service establishments.
Darin Husaby American Family Insurance provides disability insurance agent services to residents in and around Cottage Grove, Minnesota. Commercial coverage is also offered for local businesses seeking income protection for their employees. The agency serves clients throughout Washington County and the greater Twin Cities east metro area. Each disability policy consultation addresses long-term financial stability in the event of illness or injury. Follow-up is conducted to adjust plans as needs change, and repeat service remains available between regular policy reviews.
Tim Maluski Agcy, Inc. American Family Insurance in Cottage Grove, MN, is known for helping clients navigate disability insurance to protect their income. The agency serves the local area with guidance on policy options designed to replace a portion of earnings if a health issue prevents work. This service supports professionals and self-employed individuals in planning for unexpected medical events that could interrupt their careers. The office also provides tailored consultations about adding an own-occupation rider to a standard long-term disability policy.
What Does a a Disability Insurance Agent in Cottage Grove Cost?
Disability insurance agents in Minnesota typically earn commissions from the insurance company, so their services are often free to you. Policy premiums vary widely based on age, health, and coverage amount, ranging from 1% to 3% of your annual income. For example, a 40-year-old earning 60,000 per year might pay 600 to 1,800 annually for a policy. This is general information, not insurance advice.
About disability insurance agents in Cottage Grove
Disability insurance agents in Cottage Grove, Minnesota help residents understand their coverage and file claims. Minnesota law requires insurers to respond to claims within 45 days under state statute 62A.04. Local agents can guide you through the process and explain policy details specific to your needs.
Frequently Asked Questions
What does a disability insurance agent in Cottage Grove do?
A disability insurance agent helps you select a policy, explains coverage options, and assists with filing claims. They do not provide legal advice but can clarify policy terms and connect you with resources.
How long do I have to file a disability claim in Minnesota?
Minnesota law does not set a specific deadline for filing a claim, but policies usually require prompt notification. Check your policy for time limits, as delays can affect benefits.
Can a disability insurance agent help if my claim is denied?
An agent can review your policy and explain the denial reasons. For appeals or legal steps, you may need to consult an attorney. Agents cannot guarantee claim approval.
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