The top-rated disability insurance agent in Binghamton, New York is Adam J. Roux: Allstate Insurance, rated 4.8 stars across 166 reviews. Other highly rated options include Walls Insurance, Mark Anderson - State Farm Insurance Agent, Marlene Dunlap-Martino. This directory lists 19 disability insurance agents serving Binghamton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Adam J. Roux: Allstate Insurance | 1250 Front St | (607) 722-1800 |
| 2 | Walls Insurance | 298 Conklin Ave | (607) 723-6359 |
| 3 | Mark Anderson - State Farm Insurance Agent | 50 Pennsylvania Ave | (607) 724-2886 |
| 4 | Marlene Dunlap-Martino | 2-8 Hawley St | (607) 245-9520 |
| 5 | Michael Butler: Allstate Insurance | 32 W State St Ste 204 | (607) 722-2305 |
| 6 | AA-Wyak Insurance Agency Inc. | 7 Jarvis St | (607) 723-2332 |
| 7 | Security Mutual Life Insurance Company of New York | 100 Court St | (800) 346-7171 |
| 8 | Kriner & Furlong Insurance Agency | 484 Chenango St | (607) 723-9484 |
| 9 | Farmers Insurance - Kristy McWherter | 168 Susquehanna St | (607) 721-1100 |
| 10 | Shadduck Insurance | 32 Broad Ave | (607) 234-2542 |
Adam J. Roux: Allstate Insurance serves the greater Binghamton, New York area as a disability insurance agent. The company assists individuals with policies designed to replace a portion of income if an illness or injury prevents them from working. Ongoing support and policy management are integral to the service it provides to local residents. Specific services offered include assistance with short-term disability insurance options and personalized guidance for long-term disability plans.
Walls Insurance, located in Binghamton, New York, offers a range of disability insurance agent services designed to help local clients assess their income protection needs. These services typically include evaluating policy options and assisting with initial applications. The company provides ongoing support for existing policyholders, managing claim submissions and helping with updates or policy adjustments over time. It serves a diverse clientele, including individuals working in single-family homes, apartments, retail establishments, and restaurants throughout the Binghamton area.
Mark Anderson - State Farm Insurance Agent helps homeowners, renters, and small business owners in the Binghamton area secure disability insurance coverage. The agency assists clients in understanding how disability policies can replace a portion of lost income if an injury or illness prevents them from working. Guidance is provided on policy options, waiting periods, and benefit amounts tailored to individual financial situations. The office also serves clients throughout surrounding communities such as Endicott and Johnson City.
Marlene Dunlap-Martino specializes in providing disability insurance agent services to residents of Binghamton, New York, guiding them through the complex landscape of income protection plans. This agency assists both individuals and local professionals in evaluating coverage options for short-term and long-term disability needs. By focusing on each client’s specific health and employment situation, the agency helps ensure medical and financial concerns are addressed. The company’s work is especially valuable during life transitions, such as after a sudden illness or when preparing for maternity leave, when secure benefits are most critical.
In the Binghamton area, a one-time disability insurance consultation can clarify policy options, while ongoing scheduled reviews adjust coverage as health or employment circumstances change. This agent works to address local needs for income protection through Allstate Insurance, focusing on plans that replace earnings if injury or illness prevents work. Service for gathering information and enrolling runs on both a one-time and as-needed basis, with policy review available on a scheduled cycle if requested.
AA-Wyak Insurance Agency Inc. provides disability insurance guidance to residents and businesses in Binghamton, NY. The agency specializes in helping clients understand their options for income protection and the various policy structures available to safeguard earnings. It focuses on the practical financial aspects of covering temporary or long-term disability. These services can be arranged for a wide range of commercial settings, including professional offices, industrial warehouses, and food service operations.
Security Mutual Life Insurance Company of New York serves the Binghamton area and surrounding communities as a disability insurance agent. It assists local professionals and small business owners with income protection policies to cover lost earnings due to illness or injury. The agency also handles both short-term and long-term disability plans tailored to individual client needs. For each client, it conducts a thorough review of existing coverage gaps before recommending suitable policy options from its available portfolio.
Kriner & Furlong Insurance Agency in Binghamton, NY, specializes as a disability insurance agent, helping local clients secure income protection for unexpected illnesses or injuries. Their services cover policy comparison and enrollment, guiding individuals through complex plan options from major carriers. This assistance is particularly valuable for professionals seeking to safeguard their earnings. The agency can also arrange policies with specific own-occupation definitions to address the unique needs of specialized medical or legal practitioners.
As winter weather creates recovery challenges in Binghamton, individuals often need protection against lost income from unexpected disabilities. Farmers Insurance - Kristy McWherter serves the community as a disability insurance agent, helping clients secure coverage that replaces a portion of earnings when illness or injury prevents work. This Binghamton agency guides residents through policy options tailored to local employment and living costs. Coverage decisions begin with a thorough review of each client’s current income and occupational duties during an initial assessment.
Serving residential clients in and around Binghamton, Shadduck Insurance provides disability insurance to help protect individual incomes against unexpected illness or injury. Commercial coverage is also available for local businesses seeking to safeguard their key personnel and partners. The agency serves the broader Broome County area, addressing both short-term and long-term disability needs with personalized policy consultations. Clients often return for policy reviews or updates between regular service visits, ensuring their coverage evolves alongside changing circumstances and employment situations.
What Does a a Disability Insurance Agent in Binghamton Cost?
Typical costs for disability insurance in New York range from 1 percent to 3 percent of your annual income for individual policies. Group plans through employers often cost less. Premiums vary based on age health and occupation. This is general information not insurance advice.
About disability insurance agents in Binghamton
A disability insurance agent in Binghamton New York helps individuals and businesses secure income protection. New York law requires certain employers to provide short-term disability coverage through the Disability Benefits Law. Local agents guide clients through policy options and claim processes specific to the Southern Tier region.
Frequently Asked Questions
What does a disability insurance agent in Binghamton do?
A disability insurance agent helps you choose a policy that fits your needs. They explain coverage terms and assist with filing claims. In New York, agents must be licensed by the Department of Financial Services.
How does New York disability law affect my policy?
New York has a mandatory short-term disability benefit for most employees. This law provides partial wage replacement for off-the-job injuries or illness. A local agent can explain how this state plan interacts with private long-term coverage.
Can a Binghamton agent help with an existing claim?
Yes an agent can review your policy and help you understand claim requirements. They may also assist with gathering medical documentation. For denied claims, you have 30 days to appeal under New York regulations.
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