The top-rated disability insurance agent in Fair Lawn, New Jersey is ABA Insurance Agency, rated 4.8 stars across 229 reviews. Other highly rated options include Fernando Frias - State Farm Insurance Agent, Suburban General Insurance Agency, Suburban Insurance. This directory lists 10 disability insurance agents serving Fair Lawn.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | ABA Insurance Agency | 16-00 NJ-208 Suite 103 | — |
| 2 | Fernando Frias - State Farm Insurance Agent | 34-12 Broadway | (201) 254-3539 |
| 3 | Suburban General Insurance Agency | 21-00 NJ-208 Suite 105 | (201) 225-9099 |
| 4 | Suburban Insurance | 6-16 Saddle River Rd | (201) 796-1881 |
| 5 | Primetime Insurance | 35 River Rd | (551) 365-1806 |
| 6 | Kando Service Agency Inc | 6-16 Saddle River Rd | (201) 796-1881 |
| 7 | ASAP Insurance Agency LLC | 13-33A River Rd | (201) 773-6669 |
| 8 | Kurnath Insurance | 13-17 River Rd | (201) 797-5202 |
| 9 | United Assurance | 16-00 Pollitt Dr | (201) 797-6600 |
| 10 | Perna Agency | 16-00 Pollitt Dr | (201) 581-0628 |
What Does a a Disability Insurance Agent in Fair Lawn Cost?
Costs for disability insurance in New Jersey typically range from 1% to 3% of your annual income for a policy. For example, a 40-year-old non-smoker earning $100,000 per year might pay between $1,000 and $3,000 annually. Factors like age, health, occupation, and benefit amount affect the premium. This is general information, not insurance advice.
About disability insurance agents in Fair Lawn
A disability insurance agent in Fair Lawn, New Jersey helps individuals and businesses find the right coverage to protect income during illness or injury. New Jersey law requires employers to provide temporary disability insurance through the state plan or a private plan. A local agent can explain how state benefits work with private policies to ensure full protection.
Frequently Asked Questions
What does a disability insurance agent in Fair Lawn do?
A disability insurance agent in Fair Lawn helps you compare policies from different carriers. They explain coverage options, policy terms, and exclusions. They also assist with filing claims and understanding New Jersey state disability benefits.
How is New Jersey disability insurance different from private coverage?
New Jersey requires employers to provide Temporary Disability Insurance (TDI) which covers partial wages for up to 26 weeks. A private disability insurance agent can help you buy additional coverage for longer periods or higher benefit amounts. Private policies often cover conditions not included in state plans.
Do I need a disability insurance agent if my employer offers group coverage?
Yes, a disability insurance agent can review your employer group policy to identify gaps. They can recommend an individual policy to supplement group coverage. This is important because group policies may not cover all income or may end if you leave your job.
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