The top-rated disability insurance agent in Bloomfield, New Jersey is Tom Birks: Allstate Insurance, rated 4.8 stars across 413 reviews. Other highly rated options include Freeway Insurance, Diane Smith - State Farm Insurance Agent, Generazio Associates, Inc. Insurance. This directory lists 15 disability insurance agents serving Bloomfield.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Tom Birks: Allstate Insurance | 329 Belleville Ave | (973) 429-0335 |
| 2 | Freeway Insurance | 31 Bloomfield Ave | (973) 662-7006 |
| 3 | Diane Smith - State Farm Insurance Agent | 340 Franklin St | (973) 337-8507 |
| 4 | Generazio Associates, Inc. Insurance | 265 Broad St #8 | (973) 429-8100 |
| 5 | E.S.T.I.R Inc. - Insurance Agency in New Jersey | 652 Bloomfield Ave | (973) 481-5300 |
| 6 | Abbott/Milano Insurance Agency | 235 Bloomfield Ave | (973) 566-6666 |
| 7 | Michael Bush - State Farm Insurance Agent | 1293 Broad St | (973) 338-6420 |
| 8 | Whitney H Roddy | 430 Broad St # 2 | (973) 743-6700 |
| 9 | Norton Insurance Agency Inc | 316 Broad St | (973) 429-7034 |
| 10 | Protected Insurance Agency | 39 Watsessing Ave | (201) 266-3754 |
Tom Birks: Allstate Insurance, located in Bloomfield, NJ, serves Essex County and the surrounding region with disability insurance agent services. The agency helps individuals evaluate income protection options that cover lost wages due to illness or injury. Clients can review policy features such as benefit periods and waiting periods tailored to their financial situations. The office also assists with coverage for both short-term and long-term disability needs.
Freeway Insurance, located in Bloomfield, New Jersey, assists clients in understanding the difference between short-term disability policies, which provide temporary income replacement, and long-term plans that offer sustained coverage for extended periods. They help individuals navigate the application process to protect their earnings against illness or injury. This Disability Insurance Agent provides services on an as-needed basis, allowing clients to consult when a specific policy review or new coverage application is required.
Diane Smith - State Farm Insurance Agent provides guidance on disability income protection and related insurance solutions for individuals in the Bloomfield, New Jersey area. Services include evaluating coverage options for income replacement, with ongoing support for policy adjustments as circumstances change. Plan maintenance involves regular policy reviews to help ensure alignment with current needs. The agency services local homeowners, renters in apartments, individuals managing small retail shops, and owners of casual dining restaurants, offering tailored disability insurance support for each property type.
Generazio Associates, Inc. Insurance serves local homeowners, business owners, and self-employed professionals seeking disability income protection. The agency assists clients in Bloomfield with securing policies that replace a portion of lost earnings if injury or illness prevents them from working. This guidance includes explaining policy features such as benefit periods, elimination periods, and occupation-specific definitions. Generazio Associates, Inc. Insurance works with both individual and group coverage needs. The company also serves clients across nearby Montclair.
E.S.T.I.R Inc. - Insurance Agency in New Jersey serves clients in Bloomfield and the surrounding communities of Essex County. As a disability insurance agent, the agency handles applications for income protection policies that replace a portion of an individual's earnings if they become unable to work due to illness or injury. For a typical job, it guides clients through the available policy options, explains the elimination periods and benefit terms, and coordinates with carriers to complete the underwriting process.
Abbott/Milano Insurance Agency in Bloomfield, NJ assists clients with both one-time policy comparisons and ongoing coverage adjustments. Disability insurance agents in this region help individuals and businesses secure income replacement for accidents or illness. Services include evaluating existing policies and recommending new plans that meet local employment and health needs. This agency handles initial applications, periodic policy reviews, and claims support as they arise. Client service here runs on a scheduled and as-needed basis, accommodating renewals and changes in coverage needs over time.
Michael Bush, a disability insurance agent in Bloomfield, NJ, specializes in helping individuals secure income protection policies that replace lost earnings due to illness or injury. The agency also assists local residents with general insurance needs. Whether a parent faces a prolonged recovery from surgery or a young professional develops a chronic condition, this office helps review existing disability coverage and advises on new options specific to a client's occupation and lifestyle. It particularly serves those navigating return-to-work planning after an unexpected medical leave.
As local workers in Bloomfield contend with the physical demands of their jobs or the stress of a sudden illness, Whitney H Roddy helps them understand their options for income replacement. This company focuses on explaining the specific policy details that protect a person’s earnings when they cannot work due to injury or health condition. The process begins with a complimentary consultation to review the client’s current coverage and assess their individual financial risks.
Norton Insurance Agency Inc in Bloomfield, NJ, works with individuals and businesses to secure financial coverage against lost income due to illness or injury. As a disability insurance agent, the firm specializes in adding employer-sponsored group plans and private individual policies to existing benefits packages. The agency can serve a range of commercial sectors, including offices, warehouses, and food service operations.
Protected Insurance Agency serves Bloomfield residents seeking disability income protection, ensuring a portion of earnings is replaced if illness or injury prevents work. The agency also guides commercial clients in safeguarding their businesses through group disability plans for employees. Service extends throughout Bloomfield and neighboring Essex County communities. Agents review policy options clearly, helping clients compare benefit amounts, waiting periods, and coverage durations. During regular visits, they assist with policy adjustments for life changes and handle claim questions, encouraging follow-up appointments whenever a client’s situation shifts between annual reviews.
What Does a a Disability Insurance Agent in Bloomfield Cost?
Disability insurance agent services in New Jersey are typically paid through commissions from the insurance carrier, not directly by the client. Policy premiums vary widely based on age, occupation, health, and benefit amount. For a 40-year-old professional in Bloomfield, a long-term disability policy might cost between 1% and 3% of annual income per year. This is general information and not insurance advice.
About disability insurance agents in Bloomfield
Disability insurance agents in Bloomfield, New Jersey help individuals and businesses find coverage that protects income during illness or injury. New Jersey law requires employers to provide Temporary Disability Insurance through the state program, but private agents can assist with supplemental or long-term policies. Local agents understand the specific needs of Bloomfield residents and the New Jersey insurance market.
Frequently Asked Questions
What does a disability insurance agent in Bloomfield do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your budget and needs. They explain policy terms, exclusions, and benefit amounts. They do not provide legal advice or handle claims disputes.
How is New Jersey disability insurance different from other states?
New Jersey has a state-run Temporary Disability Insurance program that provides partial wage replacement for up to 26 weeks. Private agents help you buy supplemental or long-term policies that extend beyond state benefits. New Jersey law also sets specific rules for policy renewals and non-cancellation.
Do I need a disability insurance agent if my employer offers coverage?
Employer-provided group disability insurance may have limits on benefit amounts and duration. An agent can help you review your employer plan and recommend an individual policy to fill any gaps. This is especially useful for high-income earners in Bloomfield who may need more coverage.
Disability Insurance Agents in Other New Jersey Cities
Bayonne · Brick Township · Bridgewater · Cherry Hill Township · Clark · Clifton · Cranford · East Brunswick · East Hanover · Edison · Elizabeth · Englewood Cliffs · Fair Lawn · Fairfield · Flemington