The top-rated disability insurance agent in Clifton, New Jersey is Bill G Eljouzi - State Farm Insurance Agent, rated 4.9 stars across 425 reviews. Other highly rated options include NJH Insurance Agency, Sadowski Insurance Agency, A Plus Insurance Agency. This directory lists 20 disability insurance agents serving Clifton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bill G Eljouzi - State Farm Insurance Agent | 178 Lakeview Ave | (973) 478-9500 |
| 2 | NJH Insurance Agency | 600 Getty Ave Suite 119 | (973) 832-0933 |
| 3 | Sadowski Insurance Agency | 258 Dayton Ave | (973) 580-3992 |
| 4 | A Plus Insurance Agency | 414 Clifton Ave LOWER LEVEL | (973) 928-2528 |
| 5 | Angels Care Community Advisors | 1038 Main Ave | (973) 928-6171 |
| 6 | Arceri Insurance Agency | 284 Lakeview Ave | (973) 753-6828 |
| 7 | Jaymar Insurance Agency | 99 1st St | (973) 894-1333 |
| 8 | Thomas Tobin - State Farm Insurance Agent | 1033 Clifton Ave STE 208 | (973) 779-4248 |
| 9 | Yini & Associates | 1184 Main Ave #100 | (973) 510-2600 |
| 10 | United Insurance Co of America | 1162 County Rd 509 | (862) 385-1564 |
Bill G Eljouzi - State Farm Insurance Agent serves the Clifton, New Jersey area and offers disability insurance agent services. This agency helps local residents understand how disability coverage can protect their income if illness or injury prevents them from working. Policy options are explained clearly to match individual needs and budgets. The office also assists clients with filing claims for disability insurance and reviewing existing coverage to ensure adequate protection.
NJH Insurance Agency in Clifton, New Jersey provides personalized disability insurance agent services, including help with individual and group plans designed to replace lost income due to illness or injury. It offers ongoing plan reviews and claim support to keep coverage aligned with clients’ changing needs. The agency services single-family homes, apartments, retail businesses, and restaurants in the Clifton area.
Homeowners and business owners in Clifton, New Jersey, turn to Sadowski Insurance Agency for professional disability insurance agent services. This local provider helps clients understand how disability coverage can replace lost income during an unexpected illness or injury. The agency assists in selecting appropriate policy terms that align with individual career risks and personal financial obligations. It also serves residents and commercial clients throughout the surrounding Passaic County region, including nearby areas such as Paterson and Passaic.
A Plus Insurance Agency serves Clifton, New Jersey, and the surrounding communities in Passaic County. It handles disability insurance, helping local residents secure income protection for situations when illness or injury prevents them from working. The agency works alongside clients to evaluate coverage needs and match them with suitable policy options from various carriers. To handle a typical job, it begins by assessing the individual’s occupation and income to recommend a plan that fits their unique financial situation.
Angels Care Community Advisors specializes in providing disability insurance policies for individuals and families in the Clifton, New Jersey area. The agency works with clients to explore income protection options suitable for various professional and personal circumstances, helping to secure coverage against lost earnings due to illness or injury. By assessing individual needs, the advisors assist in finding appropriate plans that support financial stability. During open enrollment periods or when a sudden health scare prompts workers to reconsider their protections, this local firm helps clients address those time-sensitive coverage needs.
As the winter months bring an increased risk of slips and falls in Clifton, local residents often seek ways to protect their income from unexpected injuries. Arceri Insurance Agency serves this need by specializing in disability insurance policies designed for the working professional. The firm focuses on explaining how benefits replace a portion of lost wages during recovery. This guidance helps clients appreciate the coverage’s value without assuming unnecessary costs. An initial free consultation typically begins with reviewing an applicant’s current employment status and medical history to estimate eligibility.
Jaymar Insurance Agency, based in Clifton, NJ, helps clients distinguish between a one-time policy purchase and a recurring short-term or long-term disability plan. Its coverage focuses on protecting a portion of income if illness or injury prevents work. Individual policies are customized to the client’s occupation and earnings. The agency also assists with understanding policy elimination periods and benefit durations. Service appointments are available on both a one-time consultation basis and an as-needed schedule for plan adjustments or claims guidance.
Thomas Tobin, operating as a State Farm Insurance Agent in Clifton, New Jersey, focuses primarily on helping individuals secure financial protection through disability policies. This work often includes advising clients on income replacement plans that help cover essential expenses during a period of injury or illness. As a disability insurance agent, the firm understands how an unexpected loss of work income can strain household budgets. It can assist commercial sectors such as local offices, warehouses, and food service operations in arranging coverage for their key personnel.
Yini & Associates serves residential clients in Clifton, New Jersey, helping them secure disability income protection for everyday needs. The firm also assists local commercial clients with coverage for their businesses, operating throughout the broader Passaic County area. Their agents work closely with policyholders to understand individual circumstances, which improves the accuracy of each plan. Ongoing communication between regular visits allows them to address any coverage changes or claim follow-ups as they arise.
United Insurance Co of America in Clifton, New Jersey, is known for guiding residents through the process of securing disability insurance coverage. Its service range includes helping local professionals and self-employed individuals evaluate short-term and long-term income protection plans. These solutions are designed to replace lost earnings if illness or injury prevents work. An additional specialty service it can add on is assistance with policy riders that provide cost-of-living adjustments to keep benefits aligned with inflation.
What Does a a Disability Insurance Agent in Clifton Cost?
Disability insurance agent services in Clifton, New Jersey typically cost between 2% and 5% of the annual premium as a commission. For a policy with a $2,000 monthly benefit, this might be $50 to $125 per year. Costs vary based on your age, health, occupation, and policy terms. This is general information, not insurance advice.
About disability insurance agents in Clifton
A disability insurance agent in Clifton, New Jersey can help you understand policy options and file claims. New Jersey law requires disability insurance to cover certain conditions, and agents can guide you through the process. Whether you need short-term or long-term coverage, local agents know the Clifton market and state regulations.
Frequently Asked Questions
What does a disability insurance agent in Clifton do?
A disability insurance agent in Clifton helps you compare policies from different carriers and explains coverage details. They assist with claim forms and ensure you meet New Jersey filing deadlines. Agents do not provide legal advice but can clarify policy terms.
Is disability insurance required in New Jersey?
New Jersey does not require individuals to have private disability insurance. However, employers with 50 or more workers must provide temporary disability insurance under the New Jersey Temporary Disability Benefits Law. A Clifton agent can help you understand your options.
How long do I have to file a disability claim in New Jersey?
Under New Jersey law, you must file a disability claim within 30 days of becoming disabled. If you miss this deadline, you may lose benefits. A Clifton agent can help you prepare and submit your claim on time.
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