ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Find Disability Insurance Agents in Hightstown, NJ
Compare disability insurance agents in Hightstown. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Hightstown, NJ
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New Jersey before hiring.
Showing 3 disability insurance agents in Hightstown, NJ
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Dcruz Agency
123 Mercer St, Hightstown, NJ 08520
(609) 200-5990
dcruzagency.com
Allen & Stults Co., Inc.
106 N Main St, Hightstown, NJ 08520
(609) 448-0110
allenstults.com
Carlos Duran - State Farm Insurance Agent
325 Franklin St, Hightstown, NJ 08520
(609) 448-6700
carlosduran.com
Disability insurance agents in Hightstown, New Jersey help residents and small business owners find coverage that fits their needs. New Jersey law requires employers to provide Temporary Disability Insurance through the state program, but private agents can assist with supplemental or individual policies. These agents guide clients through policy options and claim processes specific to NJ regulations.
What Does a Disability Insurance Agent in Hightstown Cost?
Costs for disability insurance in New Jersey vary based on age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income, so a $50,000 annual salary might cost $500 to $1,500 per year. Policies with shorter waiting periods or longer benefit terms cost more. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a disability insurance agent in Hightstown do?
A disability insurance agent helps you compare policies from different carriers to find coverage for lost income due to illness or injury. They explain policy terms, exclusions, and benefit amounts. Agents also assist with filing claims and understanding New Jersey state disability benefits.
How is New Jersey disability insurance different from other states?
New Jersey has a mandatory state Temporary Disability Insurance program that provides partial wage replacement for up to 26 weeks. Private agents help you get additional coverage beyond this state benefit. NJ law also sets specific time limits for filing claims, usually within 30 days of becoming disabled.
Do I need a disability insurance agent if my employer offers group coverage?
Yes, an agent can review your employer group policy to identify gaps in coverage. They can recommend individual policies to supplement group benefits. Many NJ residents use agents to ensure they have enough protection if they change jobs or become self-employed.
Free • No Obligation
Compare Disability Insurance Agents
Get matched with agents in Hightstown who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of New Jersey.