The top-rated disability insurance agent in Hackensack, New Jersey is Omar Juarbe - State Farm Insurance Agent, rated 4.9 stars across 491 reviews. Other highly rated options include JN Insurance Agency, Cosmo Insurance Agency, Kusel Associates Insurance. This directory lists 16 disability insurance agents serving Hackensack.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Omar Juarbe - State Farm Insurance Agent | 379 Main St 1st Floor | (551) 287-6993 |
| 2 | JN Insurance Agency | 131 Main St Suite 160 | (201) 877-9333 |
| 3 | Cosmo Insurance Agency | 2 University Plaza Dr Suit 100 | (201) 817-1388 |
| 4 | Kusel Associates Insurance | 190 Moore St | (201) 489-6366 |
| 5 | GRAHAM FAMILY AGENCY | 3 Elm Ave | (201) 355-3252 |
| 6 | Alfredo Caba | 235 Moore St Suite 101 | (201) 279-1231 |
| 7 | Americas Group | 235 Moore St Suite 101 | (201) 843-3791 |
| 8 | Farmers Insurance - Alex Vivien | 433 Essex St Ste 2 | (201) 336-0006 |
| 9 | Angelly Insurance Multiservice Agency | 104 Johnson Ave | (201) 291-3888 |
| 10 | Premier insurance | 210 S Newman St | (551) 288-1286 |
Omar Juarbe - State Farm Insurance Agent serves clients in Hackensack and surrounding Bergen County, New Jersey, as a disability insurance agent. The company helps individuals and families navigate the complexities of income protection policies. They focus on finding suitable coverage that supports financial stability during unexpected health challenges. Their services include assessing personal situations to recommend appropriate insurance solutions. Omar Juarbe - State Farm Insurance Agent specifically handles short-term disability insurance and long-term disability insurance for local residents.
JN Insurance Agency provides disability insurance agent services to clients throughout the Hackensack, New Jersey area. It assists individuals and business owners in understanding policy options that replace lost income due to illness or injury. The agency helps clients review their current coverage, explains plan features, and handles questions during the application process. Ongoing support is available for policy maintenance, including updates as needs change. The agency services single-family homes, apartments, retail locations, and restaurants in the surrounding communities.
Cosmo Insurance Agency serves clients in Hackensack, New Jersey, and the surrounding communities of Bergen County. The agency handles applications for individual and employer-based disability insurance policies designed to replace a portion of lost income if a client becomes unable to work due to illness or injury. Its typical approach involves first meeting with clients to assess their occupation, current earnings, and existing coverage. The agent then compares policy options from multiple carriers to recommend a plan that fits the client’s budget and specific financial protection needs.
Homeowners, small business owners, and property managers in Hackensack, New Jersey rely on Kusel Associates Insurance for disability insurance agent services. The agency helps clients evaluate their income protection needs and connects them with suitable disability policies to cover lost wages during illness or injury. It also assists with claims filing and policy reviews to ensure coverage remains appropriate over time. Kusel Associates Insurance additionally serves the surrounding Bergen County communities, including Teaneck and Fort Lee.
Graham Family Agency serves Hackensack, New Jersey and its surrounding communities, handling disability insurance for local residents and workers. It helps clients understand how income protection policies function during periods of illness or injury. The agency guides individuals through the details of benefit periods, elimination periods, and coverage options that fit their employment situations. To handle a typical job, it first reviews the client’s current occupation, income level, and any existing employer-provided benefits, then compares suitable policies from multiple carriers to find appropriate terms.
Alfredo Caba, a disability insurance agent in Hackensack, NJ, distinguishes between one-time policy purchases and recurring service options for ongoing protection. The agency helps clients secure coverage that replaces a portion of income if they become unable to work due to illness or injury. Working with local professionals and self-employed individuals, they explain different benefit periods and elimination periods. This insurance service runs on a scheduled, as-needed basis for policy reviews and updates.
Americas Group provides disability insurance agent services in Hackensack, New Jersey, specializing in evaluating clients’ income protection needs and matching them with suitable individual or group disability policies. The company assists local professionals and small business owners in securing coverage that replaces lost earnings if illness or injury prevents them from working. During open enrollment periods or following a change in employment status, Americas Group helps clients adjust their disability plans to maintain continuous financial security.
As the seasons change and residents of Hackensack review their financial plans, many look for coverage that protects their income if an unexpected illness or injury prevents them from working. Farmers Insurance - Alex Vivien serves this need by helping clients understand the terms of disability insurance policies, including elimination periods and benefit durations. The agent works with individuals to explore options that align with typical local employment situations and household budgets. An initial assessment appointment can be scheduled to review current coverage and compare available plans.
Angelly Insurance Multiservice Agency in Hackensack, New Jersey, provides standard insurance guidance for individuals and families seeking financial protection. Its specialty work as a disability insurance agent focuses specifically on helping clients prepare for lost income due to illness or injury through personalized coverage options. The agency regularly assists with policy selection to match varied professional and personal circumstances. It serves a range of commercial sectors throughout the region, including offices, warehouses, and food service businesses.
Located in Hackensack, Premier Insurance assists residents throughout the area with disability coverage for their households. The agency also works with local businesses to secure commercial disability policies that protect employees and operations. Serving clients across Bergen County and northern New Jersey, the team helps individuals and companies navigate plan options suited to their financial needs. For clients who have established coverage, the office regularly follows up to review policy adjustments and manages renewal processes between each year’s routine benefits check-in.
What Does a a Disability Insurance Agent in Hackensack Cost?
Typical costs for disability insurance in New Jersey range from 1% to 3% of your annual income for individual policies. For example, a 40 year old non-smoker might pay between $50 and $150 per month for a policy covering 60% of income. Group plans through employers often cost less. Costs vary based on age, health, occupation, and coverage amount. This is general information, not insurance advice.
About disability insurance agents in Hackensack
Disability insurance agents in Hackensack, New Jersey help individuals and businesses secure income protection plans. New Jersey state law requires employers to provide Temporary Disability Insurance (TDI) through the state plan or a private plan. A local agent can guide you through private disability policies that supplement state benefits and meet your specific needs.
Frequently Asked Questions
What does a disability insurance agent in Hackensack do?
A disability insurance agent helps you compare policies from different carriers, explains coverage details, and assists with filing claims. They can also advise on how New Jersey TDI interacts with private plans.
How long does it take to get disability benefits in New Jersey?
New Jersey TDI claims are typically processed within 2 to 4 weeks. For private policies, processing times vary by carrier but often take 30 to 60 days.
Can I buy disability insurance if I am self-employed in Hackensack?
Yes, self-employed individuals in New Jersey can purchase individual disability insurance policies. An agent can help you find a plan that covers your occupation and income level.
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