The top-rated disability insurance agent in Bozeman, Montana is Bethany Lentz - State Farm Insurance Agent, rated 5.0 stars across 373 reviews. Other highly rated options include Insurance Unlimited of Bozeman, Big Sky Benefit Solutions, Big Sky Insurance Lanphear Agency. This directory lists 20 disability insurance agents serving Bozeman.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bethany Lentz - State Farm Insurance Agent | 3960 Valley Commons Dr Unit 2 | (406) 624-6767 |
| 2 | Insurance Unlimited of Bozeman | 1425 W Main St STE. D | (406) 586-1818 |
| 3 | Big Sky Benefit Solutions | 219 N 19th Ave | (406) 404-1414 |
| 4 | Big Sky Insurance Lanphear Agency | 301 Edelweiss Dr # 5 | (406) 586-5449 |
| 5 | Bridger Insurance Agency | 389 S Ferguson Ave | (406) 922-5110 |
| 6 | Western Horizon Insurance LLC | 43 Mill Town Lp Unit C | (406) 388-2231 |
| 7 | Bissell Insurance Agency | 4055 Valley Commons Dr | (406) 586-6230 |
| 8 | Joshua Wallis at Comparion Insurance Agency | 4575 Valley Commons Dr Suite 203 | (406) 200-6637 |
| 9 | Marsh McLennan Agency | 1105 E Main St | (406) 586-3351 |
| 10 | McHenry Insurance Inc | 670 S Ferguson Ave # 1 | (406) 586-5075 |
Bethany Lentz - State Farm Insurance Agent serves the Bozeman, Montana area, offering disability insurance agent services to local residents and businesses. This work involves helping clients understand their options for protecting income in the event of illness or injury. Policies are designed to provide a portion of earnings if the policyholder becomes unable to work due to covered conditions. The agent guides individuals through plan selections tailored to their occupation and financial needs. Services include individual disability income policies for professionals and group plans for local employers.
Insurance Unlimited of Bozeman offers a full range of disability insurance agent services, including helping clients assess their need for income protection and navigate policy options. The company assists with initial plan selection and provides ongoing support for policy maintenance, claims guidance, and coverage adjustments as circumstances change. They serve a variety of property types in the Bozeman area, including single-family homes, apartments, retail spaces, and restaurants.
Big Sky Benefit Solutions serves homeowners, renters, and local business owners in Bozeman, Montana who need financial protection against lost income from illness or injury. The agency evaluates individual and group disability insurance options, helping clients understand policy terms, waiting periods, and benefit amounts to cover essential expenses. Supporting those who rely on their earned wages, it provides clear guidance through the selection and application process. Big Sky Benefit Solutions also extends its services to clients in nearby Belgrade.
Big Sky Insurance Lanphear Agency serves clients in Bozeman, Montana, and the surrounding Gallatin Valley communities. The agency handles disability insurance policies designed to protect an individual’s income if injury or illness prevents them from working. They work with local residents to compare policy options from various carriers. A typical job begins with a thorough review of the client’s occupation and financial situation, and the agency then presents tailored coverage choices that align with those specific needs.
Bridger Insurance Agency in Bozeman, Montana offers disability insurance agent services designed to help individuals secure income protection against unexpected illness or injury. The agency also assists local residents with navigating policy options that fit their specific employment situations and personal budgets. For those in Montana’s seasonal workforce, the agency helps address the unique coverage gaps that can arise during winter contract changes or summer furloughs.
As winter snow limits outdoor activities across Bozeman, locals often reassess their income protection against unexpected illness or injury. Western Horizon Insurance LLC serves as a disability insurance agent in this community, helping residents understand how private policies can supplement employer coverage or provide standalone security. The company works with clients to evaluate personal financial obligations and occupation-specific risks. An introductory consultation typically reviews the applicant's current health status and typical monthly expenses to determine suitable coverage options.
Bissell Insurance Agency, based in Bozeman, can help clients choose between a single policy for a defined term and ongoing coverage that requires periodic renewal. They assist individuals in protecting their income through disability insurance, which provides financial support if an illness or injury prevents work. Understanding local employment needs guides how they structure each plan. Their service runs on an as-needed basis, with policyholders able to request policy reviews or adjustments whenever their circumstances change.
Joshua Wallis at Comparion Insurance Agency works with individuals and businesses in Bozeman to arrange disability insurance coverage. These policies provide income protection if illness or injury prevents a person from working, offering a financial safeguard during recovery. The agency helps tailor plans that address specific needs within this field. Its services are available to various commercial sectors, including local offices, warehouses, and food service operations.
Marsh McLennan Agency in Bozeman, Montana is known for arranging disability income protection for local residents and businesses. Its services include evaluating individual and group disability policies to help clients prepare for income loss due to illness or injury. The agency assists professionals and self-employed individuals in structuring coverage that matches their earnings and lifestyle. To address complex financial circumstances, the agency offers supplemental disability riders that can provide additional monthly benefits during extended recovery periods.
McHenry Insurance Inc in Bozeman, MT provides disability insurance agent services to local homeowners and residential clients in and around the Gallatin Valley. Commercial coverage is also available for small businesses and professional practices needing income protection policies for their employees or partners. The company serves Bozeman and the broader surrounding region, including Belgrade and Livingston. Clients appreciate the follow-up discussions to adjust coverage as needs change between regular visits.
What Does a a Disability Insurance Agent in Bozeman Cost?
The cost of disability insurance in Montana typically ranges from 1 percent to 3 percent of your annual income. For a 50 thousand dollar annual income a policy might cost 500 to 1500 dollars per year. Premiums depend on age occupation health status and benefit amount. This is general information not insurance advice.
About disability insurance agents in Bozeman
A disability insurance agent in Bozeman Montana helps individuals and business owners protect their income if they cannot work. Montana law does not require private disability insurance but many employers offer group coverage through state regulated plans. Local agents can explain how Montana insurance code affects policy terms and benefit payments.
Frequently Asked Questions
What does a disability insurance agent in Bozeman do?
A disability insurance agent helps you compare policies from different carriers and explains coverage options like own occupation or any occupation. They guide you through the application process and ensure the policy meets Montana insurance regulations.
Are disability insurance benefits taxable in Montana?
If you pay the premiums with after tax dollars the benefits are generally tax free. If your employer pays the premiums the benefits are usually taxable as income. Montana follows federal tax rules for disability insurance benefits.
How long do I have to file a disability claim in Montana?
Montana insurance policies set their own claim deadlines which are typically 30 to 90 days after the disability begins. You should review your policy carefully because missing the deadline can result in denial of benefits.
Disability Insurance Agents in Other Montana Cities
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