The top-rated disability insurance agent in Woodbridge, New Jersey is Nick Karras - State Farm Insurance Agent, rated 4.8 stars across 86 reviews. Other highly rated options include Jose Omar Estevez: Allstate Insurance, Carmen Brocato Insurance Agent, Palisades Safety & Insurance Management. This directory lists 11 disability insurance agents serving Woodbridge.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Nick Karras - State Farm Insurance Agent | 97 Main St Suite 209 | (732) 634-8844 |
| 2 | Jose Omar Estevez: Allstate Insurance | 843 Rahway Ave | (732) 734-8394 |
| 3 | Carmen Brocato Insurance Agent | 158 Main St | (732) 592-2112 |
| 4 | Palisades Safety & Insurance Management | 581 Main St | (908) 790-7800 |
| 5 | Triton Benefits and HR Solutions | 1460 US-9 Suite 304 | (732) 602-2410 |
| 6 | Prudential Insurance Co | 209 Main St #2 | (732) 734-6207 |
| 7 | Lincoln Risk Management | 1460 US-9 Suite 301 | (732) 814-7979 |
| 8 | The MVP Agency LLC | 93 Main St | (732) 634-7777 |
| 9 | PBA Blue Guardian Insurance Agency, LLC | 158 Main St | (973) 615-9072 |
| 10 | Campbell Petrie A Division of Patriot Growth Insurance Services, LLC | 1460 US-9 Suite 200 | (973) 813-1153 |
Nick Karras - State Farm Insurance Agent serves clients in the Woodbridge, New Jersey area, offering services focused on income protection and financial stability. As a disability insurance agent, the company helps individuals secure policies that replace a portion of lost earnings if illness or injury prevents work. The agent also advises on long-term coverage options specific to local professionals. This practice handles both short-term and long-term disability policies.
Jose Omar Estevez: Allstate Insurance provides disability insurance agent services to clients in the Woodbridge, New Jersey area. Its offerings focus on helping individuals secure income protection plans that replace lost wages due to illness or injury. The company assists with policy selection, application, and ongoing plan reviews to ensure coverage remains aligned with changing needs. Services extend to single-family homes, apartments, retail establishments, and restaurants, providing tailored solutions for both residential and commercial property owners seeking financial security.
Carmen Brocato Insurance Agent serves Woodbridge, New Jersey, and the surrounding communities, specializing in disability insurance. The agency helps clients understand how disability coverage can replace a portion of income if injury or illness prevents them from working. Each policy is matched to the individual’s occupation and financial needs. To handle a typical job, the agent first reviews a client’s current income and monthly expenses before comparing available plans and presenting tailored options.
Palisades Safety & Insurance Management serves homeowners, businesses, and property managers in the Woodbridge, New Jersey area, providing disability insurance agent services. These professionals help clients navigate individual and group disability policies, which replace a portion of income if an injury or illness prevents work. The firm assists with policy selection, application procedures, and claims guidance to protect against lost earnings. It also covers surrounding communities such as Edison and the greater Middlesex County metro area.
Located in Woodbridge, New Jersey, Triton Benefits and HR Solutions assists clients in distinguishing between initial coverage setup and long-term plan management for disability insurance. The agency supports both individual policyholders and businesses, helping to evaluate short-term and long-term disability options that protect income during illness or injury. All guidance is focused on the specific needs of local workers and employers in the area. Services are available on a one-time, scheduled, or as-needed basis according to each client’s changing circumstances.
Prudential Insurance Co in Woodbridge, NJ specializes in helping local professionals secure individual disability income protection policies tailored to their specific occupational risks. The agency generally assists self-employed individuals, small business owners, and salaried workers in understanding coverage options for lost wages due to illness or injury. It guides clients through application processes and policy comparisons. As tax season approaches, the firm advises on how disability insurance premiums and benefits interact with income reporting and retirement planning.
As the start of a new year prompts many local professionals to reassess their income protection needs, Lincoln Risk Management in Woodbridge offers guidance on individual disability insurance. Navigating policy terms and benefit structures can be complex, and their consultations focus on explaining coverage options clearly. The company tailors its approach to the specific financial obligations of each client in the Middlesex County area. An initial policy review begins with a no-obligation meeting to evaluate current earnings and occupational risks.
The MVP Agency LLC in Woodbridge, NJ, is a professional service that guides individuals through the process of securing income protection plans. As a disability insurance agent, the agency assists clients in understanding policy options designed to replace a portion of lost earnings if injury or illness prevents them from working. It focuses on evaluating specific occupational risks and tailoring coverage accordingly. The agency serves a range of commercial sectors, including local offices, warehouses, and food service businesses throughout the New Jersey area.
PBA Blue Guardian Insurance Agency, LLC serves residential clients in Woodbridge, NJ, helping them secure disability income protection. Their commercial coverage assists local businesses with group disability plans for employees. The agency extends its services throughout the surrounding Middlesex County area. Policies are tailored to replace lost earnings during illness or injury, providing financial stability. Follow-up is available between regular visits to adjust coverage as needs change and ensure continued support during the claims process.
Campbell Petrie, a division of Patriot Growth Insurance Services, LLC, is known for its focus on disability insurance protection from its location in Woodbridge, NJ. The agency assists professionals and business owners across the region in securing income replacement policies that safeguard earnings when injury or illness prevents work. It helps clients evaluate short-term and long-term disability options tailored to individual financial planning and career needs. Campbell Petrie can also arrange policies with optional own-occupation riders for specialized professionals.
What Does a a Disability Insurance Agent in Woodbridge Cost?
Typical costs for disability insurance in New Jersey range from 1% to 3% of your annual income for a policy that pays 60% to 70% of your salary. For a 40 year old earning $75,000 per year, a policy might cost $75 to $150 per month. Costs vary by age, health, occupation, and benefit terms. This is general information, not insurance advice.
About disability insurance agents in Woodbridge
A disability insurance agent in Woodbridge, New Jersey helps individuals and businesses find the right coverage to protect income if an injury or illness prevents work. New Jersey law requires employers to provide temporary disability insurance through the state plan or a private plan. An agent can explain how state benefits interact with private policies and help you choose a plan that fits your needs.
Frequently Asked Questions
What does a disability insurance agent in Woodbridge do?
An agent helps you compare disability insurance policies from different carriers. They explain policy terms, coverage limits, and waiting periods. They also assist with filing claims and understanding New Jersey state disability benefits.
How is New Jersey state disability different from private disability insurance?
New Jersey Temporary Disability Insurance provides partial wage replacement for up to 26 weeks for non-work related illness or injury. Private disability insurance can offer longer benefit periods, higher benefit amounts, and coverage for work related injuries. An agent can help you coordinate both types of coverage.
Do I need a disability insurance agent if my employer offers coverage?
Yes, because employer sponsored plans may have limits. An agent can review your employer policy and recommend supplemental coverage to fill gaps. They can also help you buy an individual policy if you change jobs or become self employed.
Disability Insurance Agents in Other New Jersey Cities
Bayonne · Bloomfield · Brick Township · Bridgewater · Cherry Hill Township · Clark · Clifton · Cranford · East Brunswick · East Hanover · Edison · Elizabeth · Englewood Cliffs · Fair Lawn · Fairfield