The top-rated disability insurance agent in Farmington, New Mexico is Ginny Gil - State Farm Insurance Agent, rated 4.9 stars across 328 reviews. Other highly rated options include Freedom Insurance, Ben Mortensen - State Farm Insurance Agent, Groves Insurance Group, Inc.. This directory lists 20 disability insurance agents serving Farmington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ginny Gil - State Farm Insurance Agent | 3030 E Main St Ste C | (505) 327-3771 |
| 2 | Freedom Insurance | 312 W Apache St | (505) 516-0100 |
| 3 | Ben Mortensen - State Farm Insurance Agent | 3900 E Main St | (505) 327-6117 |
| 4 | Groves Insurance Group, Inc. | 707 N Dustin Ave | (866) 371-1836 |
| 5 | Wyatt Mace: Allstate Insurance | 3280 N Butler Ave | (505) 599-9047 |
| 6 | Walker Agency | 1501 San Juan Blvd # 201 | (505) 326-4952 |
| 7 | Southwest Senior Advisors LLC | 124 N Orchard Ave | (505) 427-2244 |
| 8 | Silvia Ramos: Allstate Insurance | 2400 E 20th St | (505) 327-9667 |
| 9 | Eric I. Maestas Insurance Agency | 4500 W Main St | (505) 327-9296 |
| 10 | Farm Bureau Financial Services: Storme Anderson | 2910 Bloomfield Hwy | (505) 327-3373 |
Ginny Gil - State Farm Insurance Agent serves the Farmington, New Mexico metro area, providing disability insurance agent services to local residents. This agency assists individuals and families in protecting their income if they become unable to work due to illness or injury. Policies can help replace a portion of lost earnings during recovery. Ginny Gil - State Farm Insurance Agent guides clients through options for both short-term and long-term disability coverage tailored to their personal needs.
Freedom Insurance provides disability insurance agent services to clients in and around Farmington, New Mexico. These agents assist individuals with evaluating their income protection needs, explaining policy provisions, and guiding them through the application process. Ongoing support includes help with filing claims and reviewing coverage as personal circumstances change. This firm offers its services to a diverse range of clients, from single-family homeowners to residents of apartments, tenants of retail spaces, and owners of local restaurants.
Ben Mortensen - State Farm Insurance Agent serves homeowners, local small businesses, and renters in the Farmington, NM area by providing disability insurance policies designed to replace a portion of lost income during an illness or injury. The agency helps clients understand policy options and coverage gaps that might arise during recovery. Guiding customers through the application process is a central part of its work. Ben Mortensen also covers the neighboring community of Aztec.
Groves Insurance Group, Inc. in Farmington, NM offers both one-time initial consultations to assess income needs and ongoing policy management services. Coverage focuses on disability insurance, which provides partial income replacement if an injury or illness prevents a client from working. A single meeting can establish coverage, while follow-up appointments may address life changes such as career shifts or policy updates. Their service runs on a scheduled or as-needed basis, with each appointment tailored to the client's current situation and requested support.
Serving Farmington and the surrounding communities in the Four Corners region, Wyatt Mace: Allstate Insurance helps individuals and families find coverage for loss of income due to injury or illness. This agency handles disability insurance policies that offer financial protection when a client cannot work, focusing on both short-term and long-term needs. For a typical job, it reviews the client's current employment situation and income requirements to recommend an appropriate policy plan that aligns with their specific financial obligations.
Walker Agency specializes in providing disability insurance policies that replace a portion of income if injury or illness prevents work. The agency serves clients in Farmington, New Mexico, by evaluating individual coverage needs and comparing policies from multiple carriers. It helps self-employed professionals and small-business owners establish protection for their earnings. The agency also assists with understanding policy terms, elimination periods, and benefit durations. Unforeseen medical conditions or seasonal accidents, such as winter slips on icy roads, often prompt clients to seek its guidance for securing financial stability.
As the seasons change in Farmington, residents often review their financial protections, especially regarding income stability after an unexpected injury or illness. Southwest Senior Advisors LLC serves as a disability insurance agent, helping local individuals understand how coverage can shield their earnings. The agent works with clients to navigate plan options that fit personal budgets and health circumstances. A step toward securing this protection begins with an initial assessment of current coverage gaps and long-term needs.
Silvia Ramos: Allstate Insurance provides professional guidance to individuals and businesses seeking disability insurance coverage. Serving the Farmington area, their practice focuses on structuring income protection plans to help policyholders manage financial risk during periods of incapacitation. Working with local professionals on benefit options, the agency addresses the distinct needs of various commercial sectors, including offices requiring long-term salary continuation programs, warehouses needing coverage for lifting-related injuries, and food service establishments where physical mobility risks are common.
Eric I. Maestas Insurance Agency serves residential clients in Farmington who need protection against income loss from illness or injury. The agency also assists local businesses with disability coverage for their employees. Service extends throughout the Farmington area and nearby communities. An initial consultation helps clarify specific needs and policy options. The agency provides follow-up support between regular visits to adjust plans as life circumstances change, ensuring coverage remains appropriate.
Farm Bureau Financial Services: Storme Anderson in Farmington, New Mexico is known for providing disability insurance agent services. This agency helps local workers protect their income by offering coverage that replaces lost wages if illness or injury prevents them from working. The service range includes guiding clients through policy options suited to their personal employment situations. A specialty service this agency can add on is tailored coverage for self-employed individuals in the Farmington area.
What Does a a Disability Insurance Agent in Farmington Cost?
The cost of disability insurance in New Mexico typically ranges from 1% to 3% of your annual income. For a 40-year-old earning 60,000 per year, a policy might cost between 600 and 1,800 annually. Premiums vary based on age, health, occupation, and benefit amount. This is general information and not insurance advice.
About disability insurance agents in Farmington
Disability insurance agents in Farmington, New Mexico help individuals and businesses find coverage that protects income if injury or illness prevents work. New Mexico law requires disability insurance policies to include a provision for a 30-day grace period for premium payments. Agents in Farmington can explain how state regulations affect your policy and guide you through the claims process.
Frequently Asked Questions
What does a disability insurance agent in Farmington do?
A disability insurance agent helps you compare policies from different insurers to find coverage that fits your needs. They explain policy terms, exclusions, and benefit amounts. They can also assist with filing claims and understanding New Mexico insurance laws.
How long do I have to file a disability claim in New Mexico?
New Mexico insurance law generally requires you to file a disability claim within 90 days of the start of your disability. Some policies may have shorter or longer time limits. Your agent can help you review your policy for specific deadlines.
Are disability insurance benefits taxable in New Mexico?
If you pay the premiums with after-tax dollars, your disability benefits are usually tax-free. If your employer pays the premiums, benefits may be taxable as income. New Mexico follows federal tax rules for this. Consult a tax professional for your situation.
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