The top-rated disability insurance agent in Union City, New Jersey is Diverse Solutions, rated 5.0 stars across 654 reviews. Other highly rated options include SValencia Insurance Agency LLC, Frank Ciappi - State Farm Insurance Agent, Freeway Insurance. This directory lists 18 disability insurance agents serving Union City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Diverse Solutions | 3916 Bergenline Ave | (201) 751-5454 |
| 2 | SValencia Insurance Agency LLC | 412 37th St | (201) 679-8026 |
| 3 | Frank Ciappi - State Farm Insurance Agent | 3196 John F. Kennedy Blvd | (201) 758-5470 |
| 4 | Freeway Insurance | 1306 John F. Kennedy Blvd | (201) 829-2004 |
| 5 | Diaz Insurance Agency | 815 Bergenline Ave | (201) 348-1288 |
| 6 | TORO TAXES UNION CITY & VIP INSURANCE | 527 42nd St | (201) 331-3771 |
| 7 | Valentino Services | 4606 Bergenline Ave | (201) 392-8585 |
| 8 | Candida Seymour - State Farm Insurance Agent | 4014 Bergenline Ave | (201) 392-1010 |
| 9 | Goosehead Insurance - Edward T. Mauricio | 500 Paterson Plank Rd Unit 08 | (551) 430-5655 |
| 10 | Fiorentino Anillo Insurance LLC | 202 38th St | (201) 223-2331 |
Based in Union City, New Jersey, Diverse Solutions serves Hudson County as a disability insurance agent. It helps clients secure income protection by guiding them through the complexities of disability coverage. The firm works to match individuals with policies that suit their specific financial situations and employment. Among the services it handles in this area are short-term disability benefits and long-term income replacement plans.
SValencia Insurance Agency LLC provides disability insurance agent services to clients in Union City, New Jersey, helping individuals and businesses secure income protection coverage. The company assists with evaluating policy options and clarifying benefit terms for those preparing for potential short-term or long-term disability. Its service approach includes annual policy reviews to keep coverage aligned with changing financial needs and employment situations. SValencia Insurance Agency LLC serves a variety of property types, including single-family homes, apartments, retail locations, and restaurants.
Frank Ciappi - State Farm Insurance Agent serves homeowners, businesses, and property managers in Union City, NJ, by offering disability insurance policies. These plans help replace lost income if an injury or illness prevents a client from working. The agency works with individual professionals and local commercial operations to structure coverage that addresses everyday financial risks. As a local broker, it assists residents throughout the Hudson County metro area, including nearby communities such as North Bergen and Jersey City.
Freeway Insurance serves Union City, New Jersey, and the surrounding Hudson County communities. It handles disability insurance policies that help replace income when a client cannot work due to illness or injury. The agency typically begins by reviewing each individual’s occupation, income, and existing coverage to identify appropriate plan options. It then compares policies from different carriers to match benefits with the client’s specific financial needs and protection goals.
When a client needs disability insurance, Diaz Insurance Agency in Union City, NJ distinguishes between a single policy purchase and an ongoing service relationship that includes periodic coverage reviews and future policy adjustments. The agency assists individuals in comparing long-term and short-term disability plans to protect their income against unexpected illness or injury. All client service, including claims assistance and annual policy evaluations, runs on a scheduled basis to ensure each plan remains aligned with the client’s current needs.
As a disability insurance agent, Toro Taxes Union City & VIP Insurance provides specialized guidance in securing income protection policies for individuals in Union City, New Jersey. It serves clients needing to understand options for replacing lost wages due to illness or injury, offering general support in navigating plan selections and application procedures. The company also assists with common seasonal concerns, such as helping self-employed residents adjust coverage before the start of a new tax year.
In the often-frustrating effort to replace lost income from an unexpected injury or illness, Union City residents can contact Valentino Services for guidance on disability coverage. This local agency helps working individuals and families explore how disability insurance plans protect earnings against medical leave. The process of evaluating these vital policies typically begins with an initial consultation to review a client’s current financial situation and employment status. An agent then discusses how different benefit terms could fit a budget before arranging a no-obligation assessment of a client's potential coverage needs.
Candida Seymour’s State Farm Insurance Agency in Union City, New Jersey, provides general personal and commercial insurance coverage while specializing in disability income protection for local professionals and business owners. As a disability insurance agent, the firm helps clients secure policies that replace a portion of their earnings if an illness or injury prevents them from working. This service is available to workers across many commercial sectors, including corporate offices, industrial warehouses, and the food service industry.
Goosehead Insurance - Edward T. Mauricio in Union City, NJ serves as a local disability insurance agent known for helping individuals and businesses secure income protection coverage. The agency works with clients to select policies for short-term or long-term disability needs. It also evaluates group employer plans and individual policies against a local client’s occupation and income requirements. The firm can further coordinate disability insurance with existing family coverage for a tailored financial approach.
Fiorentino Anillo Insurance LLC provides disability insurance services to residents in Union City and the surrounding areas. The agency also assists commercial clients with coverage tailored to business needs within the region. Disability insurance protects income if an illness or injury prevents work, offering essential financial support during recovery. The agency works with each client to select appropriate plan options from available providers. After the initial policy is in place, the agency follows up to adjust coverage as needs change and offers repeat service between regular visits for policy reviews and updates.
What Does a a Disability Insurance Agent in Union City Cost?
Disability insurance agent services in New Jersey typically do not charge a separate fee because agents earn commissions from insurance carriers. Policy premiums vary widely based on age, health, occupation, and coverage amount. For example, a 35-year-old office worker might pay 1% to 3% of their annual income for a policy, while a manual laborer could pay 3% to 6%. This is general information and not insurance advice.
About disability insurance agents in Union City
Disability insurance agents in Union City, New Jersey help residents and workers secure income protection policies. New Jersey law requires employers to provide temporary disability insurance through the state plan or a private plan. A local agent can guide you through policy options and help you understand how state benefits interact with private coverage.
Frequently Asked Questions
What does a disability insurance agent in Union City do?
A disability insurance agent helps you find and apply for disability insurance policies. They explain policy terms, compare plans from different carriers, and assist with claims. In New Jersey, agents can also clarify how private coverage works with the state Temporary Disability Insurance program.
How is New Jersey disability insurance different from other states?
New Jersey has a mandatory Temporary Disability Insurance program that provides partial wage replacement for non-work related illness or injury. Private disability insurance agents in Union City can help you supplement this state benefit with additional coverage. The state program covers up to 26 weeks of benefits per year.
Do I need a disability insurance agent if I already have state coverage?
State Temporary Disability Insurance only covers a portion of your wages up to a weekly maximum. A private disability insurance agent can help you find a policy to replace more of your income. This is especially useful for high earners or those with specific occupation risks in Union City.
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