The top-rated disability insurance agent in Bay Shore, New York is Sound Harbor Insurance, rated 5.0 stars across 343 reviews. Other highly rated options include Anthony Machiano: Allstate Insurance, Michael S. Stagnitta - State Farm Insurance Agent, ACME Insurance Brokerage of Bay Shore INC.. This directory lists 13 disability insurance agents serving Bay Shore.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sound Harbor Insurance | 91 E Main St Suite 3 | (631) 517-9211 |
| 2 | Anthony Machiano: Allstate Insurance | 67 E Main St | (631) 440-9226 |
| 3 | Michael S. Stagnitta - State Farm Insurance Agent | 87 Park Ave | (631) 666-8350 |
| 4 | ACME Insurance Brokerage of Bay Shore INC. | 1716 Sunrise Hwy | (631) 665-6464 |
| 5 | Oxford Millin Insurance Agency Ltd | 25 4th Ave | (631) 434-6666 |
| 6 | C Walsh Agency | 28 W Main St | (631) 251-6050 |
| 7 | NavInsure Brokerage, Inc. | 88 W Main St | (561) 207-7733 |
| 8 | AllSafe Insurance Agency | 1175 Sunrise Hwy | (631) 517-1173 |
| 9 | Universal Insurance Co | 214 5th Ave | (315) 239-3997 |
| 10 | First Choice Insurance New York | 194 N Fehr Way Suite D-3 | (631) 729-9572 |
Sound Harbor Insurance serves Bay Shore and all of Suffolk County as a disability insurance agent. The company assists local professionals and self-employed individuals in obtaining income protection coverage for periods when illness or injury prevents them from working. Claims support and policy selection guidance are provided to address the specific financial needs of each client. The agency handles both short-term and long-term disability insurance policies.
Anthony Machiano: Allstate Insurance provides disability insurance services to individuals and businesses in the Bay Shore, NY area. Its offerings include helping clients understand policy options and guiding them through the application process to secure income protection. The agency assists with policy maintenance, such as reviewing coverage needs during life changes and filing claims when necessary. It services a variety of property types, including single-family homes, apartments, retail spaces, and restaurants.
Michael S. Stagnitta, a disability insurance agent in Bay Shore, NY, serves local homeowners, renters, and small business owners seeking financial protection. This office helps clients understand how disability coverage can replace a portion of lost income if illness or injury prevents work. The agent reviews policy details, waiting periods, and benefit amounts to tailor plans for individual needs. Customers receive guidance on integrating disability insurance with existing financial strategies. The office also provides service to clients throughout nearby Islip and the greater Suffolk County area.
ACM Life Insurance Brokerage of Bay Shore Inc. serves clients in Bay Shore and the surrounding Long Island communities, with a focus on disability insurance. The firm handles applications for policies that provide income replacement when a policyholder cannot work due to illness or injury. Like many local disability insurance agents, it reviews individual financial situations to help clients understand coverage options. The agency typically manages the enrollment process by gathering medical and occupational details required by carriers to secure appropriate protection for each client.
When a disability insurance agent provides a one-time service, it typically involves evaluating a client’s current income protection needs and finding a policy from an insurer. In contrast, a recurring service covers periodic policy reviews to adjust coverage for life changes such as salary increases or new health conditions. Oxford Millin Insurance Agency Ltd, located in Bay Shore, NY, assists individuals in this county with securing coverage that replaces lost wages during disability. To accommodate varying requirements, their service runs on either a scheduled or as-needed basis.
C Walsh Agency specializes in assessing and securing disability insurance policies, guiding clients through the complex process of protecting their income in Bay Shore, NY. It provides personalized consultations for those concerned about losing earnings due to illness or injury, reviewing coverage options from various providers to match individual financial needs. Assistance becomes especially pertinent during open enrollment periods or when a client faces a sudden health change that might require policy adjustments.
As Long Island residents navigate the challenges of protecting their income after an unexpected illness or injury, NavInsure Brokerage, Inc. in Bay Shore assists local professionals and small business owners with disability insurance solutions. The agency helps clients understand policy terms, benefit periods, and elimination periods tailored to individual financial situations. The process typically begins by scheduling a complimentary initial consultation to assess income coverage needs.
AllSafe Insurance Agency in Bay Shore, NY, works with individuals and employers to secure financial protection through disability coverage. The agency specializes in both short‑term and long‑term disability policies, helping clients replace a portion of income if illness or injury prevents them from working. It customizes plans for various work environments, including office settings, warehouses, and food service operations.
Universal Insurance Co provides disability insurance services for residential clients in Bay Shore, NY, helping individuals protect their income against unexpected illness or injury. Commercial coverage is also available for local businesses seeking to safeguard their key employees and operations. The agency serves clients throughout Bay Shore and the surrounding Suffolk County area. After an initial policy is set, the company offers follow-up consultations to review coverage needs between regular visits for life changes or renewals.
First Choice Insurance New York, based in Bay Shore, serves as a local resource for disability insurance agent services, working with area residents to find income protection plans. The company assists clients in understanding how disability coverage can replace lost wages due to illness or injury. It helps policyholders compare different benefit periods and elimination periods. A specialty service the agency can add on is offering consultations focused on own-occupation disability policies for medical professionals.
What Does a a Disability Insurance Agent in Bay Shore Cost?
Disability insurance agent services in New York typically cost 1% to 3% of the annual premium as a commission. For a policy with a $2,000 monthly benefit, annual premiums range from $500 to $1,500. Costs vary based on your occupation, health, and policy features. This is general information, not insurance advice.
About disability insurance agents in Bay Shore
A disability insurance agent in Bay Shore, New York can help you understand your policy options and file claims. New York law requires insurers to respond to disability claims within 45 days. Local agents know the specific rules for New York state disability benefits and private policies.
Frequently Asked Questions
What does a disability insurance agent in Bay Shore do?
A disability insurance agent helps you choose a policy and guides you through the claims process. They explain policy terms and assist with paperwork. In New York, agents must be licensed by the state Department of Financial Services.
How long do I have to file a disability claim in New York?
New York law generally allows you to file a disability claim within 30 days of becoming disabled. You may have up to 90 days to submit proof of loss. Check your specific policy for exact deadlines.
Can a Bay Shore agent help with New York state disability benefits?
Yes, a local agent can explain how private disability insurance interacts with New York state disability benefits. New York offers short-term disability through the Paid Family Leave program. An agent can help coordinate these benefits.
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