The top-rated disability insurance agent in Perth Amboy, New Jersey is Gilma Escobar - State Farm Insurance Agent, rated 4.9 stars across 236 reviews. Other highly rated options include P&C Insurance Agency, Y & D @ Larimar Enterprise llc, Manzueta Insurance. This directory lists 12 disability insurance agents serving Perth Amboy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Gilma Escobar - State Farm Insurance Agent | 796 Amboy Ave | (908) 588-9700 |
| 2 | P&C Insurance Agency | 338 Smith St | (908) 884-7021 |
| 3 | Y & D @ Larimar Enterprise llc | 88 Smith St | (732) 826-0400 |
| 4 | Manzueta Insurance | 289 Watson Ave | (732) 376-9700 |
| 5 | One Stop Insurance Agency | 252 Madison Ave Ste 102 | (732) 520-2206 |
| 6 | Rodriguez Agency | 234 New Brunswick Ave | — |
| 7 | HolaDoctor Insurance Services - Perth Amboy | 199A Smith St | (855) 336-0001 |
| 8 | Medicare Options | 282 Hobart St | (732) 934-9197 |
| 9 | Defend Insurance Co | 43 New Brunswick Ave | (973) 307-0649 |
| 10 | Hugo Fleites inc | 362 State St | (732) 826-1124 |
Gilma Escobar - State Farm Insurance Agent serves the Perth Amboy, New Jersey area and surrounding Middlesex County, focusing on disability insurance coverage. This agency helps local residents understand their income protection options in case of illness or injury. It works closely with policyholders to explain how disability insurance can help replace lost wages during recovery periods. The office also provides guidance on long-term and short-term disability plans tailored to individual needs.
P&C Insurance Agency serves homeowners, businesses, and property managers in and around Perth Amboy, New Jersey, by helping them secure disability insurance coverage. The agency guides clients through policy options designed to replace lost income if an injury or illness prevents them from working. It focuses on understanding each customer’s specific occupational and financial situation to recommend appropriate protection plans. This service assists individuals and companies in preparing for potential long-term interruptions to earnings. The agency also covers clients in neighboring communities throughout the Middlesex County metro area.
Y & D @ Larimar Enterprise llc provides disability insurance agent services to clients in and around Perth Amboy, New Jersey. The company helps individuals understand their options for income protection by explaining how disability policies function during a claim. It guides customers through the process of selecting appropriate coverage terms to meet their specific needs. Ongoing support is offered to review policy details and ensure informed decisions are made. The agency services single-family homes, apartments, retail establishments, and restaurants.
Manzueta Insurance in Perth Amboy, NJ assists clients in distinguishing between short-term disability coverage, which provides temporary income replacement, and long-term disability policies designed for extended financial protection. As a disability insurance agent, the company helps individuals evaluate policy options that safeguard their earnings during illness or injury. Service is provided on an as-needed basis, allowing clients to schedule consultations when their coverage needs change or when they require guidance on existing plans.
One Stop Insurance Agency serves clients in Perth Amboy, New Jersey, and the surrounding communities throughout Middlesex County. It handles disability insurance policies designed to replace a portion of an individual’s income if injury or illness prevents them from working. The agency helps clients understand coverage options, including elimination periods and benefit durations. Atypical cases are managed by first assessing the applicant’s occupation and health history, then comparing policies from different carriers to find appropriate protection.
As families in Perth Amboy prepare for the changing seasons, the risk of an unexpected injury or illness interrupting a steady income becomes a pressing concern. HolaDoctor Insurance Services - Perth Amboy helps local workers navigate this financial uncertainty by guiding them through available disability insurance agent options. These long-term policies can replace a portion of lost wages during recovery, providing crucial stability. A comprehensive initial-assessment appointment is scheduled to review each client's current coverage and future income-protection needs.
Medicare Options is a disability insurance agent located in Perth Amboy, New Jersey. It assists individuals in protecting their income if they become unable to work due to illness or injury. The company focuses specifically on finding suitable short-term and long-term disability policies from various carriers. Its agents help clients in Perth Amboy and surrounding areas. They serve numerous commercial sectors, including local offices, warehouses, and food service operations.
Defend Insurance Co provides disability insurance agent services to residents in Perth Amboy, New Jersey. The company also arranges commercial disability coverage for local businesses in the surrounding area. Agents evaluate individual needs and guide clients through policy options. They help applicants complete paperwork and coordinate with insurers. Follow-up assistance is available between regular visits to adjust coverage as circumstances change or to address any claim concerns that may arise.
Hugo Fleites inc in Perth Amboy, NJ, is known for helping individuals secure disability insurance coverage to protect their income in case of illness or injury. The company serves clients in the local area and surrounding communities, offering assistance in evaluating policy options that match varying needs and budgets. This service aims to provide financial stability during periods when work is not possible. An additional service includes coordinating with existing employer benefits to fill gaps in coverage.
What Does a a Disability Insurance Agent in Perth Amboy Cost?
Disability insurance agent services in New Jersey are usually paid through commissions from the insurance company, not directly by you. Policy premiums vary widely based on age, health, occupation, and benefit amount. Typical monthly premiums for an individual policy in New Jersey range from 1% to 3% of your monthly income. For example, a policy covering $5,000 per month might cost $50 to $150 per month. This is general information and not insurance advice.
About disability insurance agents in Perth Amboy
Disability insurance agents in Perth Amboy, New Jersey help individuals and businesses find coverage that protects income if you cannot work. New Jersey law requires certain employers to provide temporary disability insurance through the state plan or a private plan. A local agent can explain how state benefits interact with private policies and guide you through the application process.
Frequently Asked Questions
What does a disability insurance agent in Perth Amboy do?
A disability insurance agent helps you compare policies from different carriers, explains coverage options, and assists with filing claims. They can also advise on how New Jersey state disability benefits work alongside private plans.
How does New Jersey state disability insurance affect private policies?
New Jersey offers temporary disability insurance through the state program, which covers a portion of your wages for up to 26 weeks. A private policy can supplement this to replace more of your income. An agent can help you coordinate both types of coverage.
What should I look for when choosing a disability insurance agent in Perth Amboy?
Look for an agent licensed in New Jersey with experience in disability insurance. Ask about their familiarity with local employers and the New Jersey disability law. Check online reviews and verify their license through the New Jersey Department of Banking and Insurance.
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