The top-rated disability insurance agent in Buffalo, New York is Willoughby Insurance, rated 4.8 stars across 1,003 reviews. Other highly rated options include Austin Czaja - State Farm Insurance Agent, Sheridan Benefits, Anthony Lorigo at Comparion Insurance Agency. This directory lists 28 disability insurance agents serving Buffalo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Willoughby Insurance | 1523 Main St | (716) 885-8100 |
| 2 | Austin Czaja - State Farm Insurance Agent | 765 Wehrle Dr | (716) 748-8942 |
| 3 | Sheridan Benefits | 6700 Main St | (716) 580-3773 |
| 4 | Anthony Lorigo at Comparion Insurance Agency | 400 Essjay Rd #300 | (716) 276-7249 |
| 5 | Jody Lawrence at Comparion Insurance Agency | 400 Essjay Rd #300 | (716) 809-9169 |
| 6 | Damien Lawrence at Comparion Insurance Agency | 400 Essjay Rd #300 | (716) 276-7247 |
| 7 | Lawley | 361 Delaware Ave | (716) 849-8618 |
| 8 | New Buffalo Insurance Agency, Inc. | 686 Main St Suite 201 | (716) 332-1570 |
| 9 | Donna Medina at Comparion Insurance Agency | 400 Essjay Rd #300 | (716) 730-4909 |
| 10 | Nick Messuro - State Farm Insurance Agent | 3407 Delaware Ave Ste 101 | (716) 873-6015 |
Willoughby Insurance serves the Buffalo, New York, metro area as a disability insurance agent. The company guides individuals through the process of selecting disability coverage to protect their income. It helps clients understand how various policy options address potential long-term or short-term work interruptions. Navigating the application process for these policies is a key service it provides. Specifically, Willoughby Insurance handles individual long-term disability policies and short-term disability income replacement plans.
Austin Czaja provides disability insurance agent services for the Buffalo, New York area, helping clients understand how income protection policies can safeguard their financial stability during periods of incapacitation. The agency offers ongoing service and maintenance of existing policies by assisting with claims support and coverage adjustments as client needs evolve over time. This practice serves a variety of properties, including single-family homes, apartments, retail stores, and restaurants.
Sheridan Benefits serves homeowners, renters, and local businesses in Buffalo, New York, by connecting them with disability insurance agents who help protect their income against illness or injury. The company assists clients in understanding policy options and filing necessary paperwork to secure monthly benefits. Their agents typically guide individuals through employer coverage gaps for comprehensive protection. Sheridan Benefits also extends its services to clients in the surrounding communities of Cheektowaga and the greater Erie County metro area.
Anthony Lorigo at Comparion Insurance Agency serves the Buffalo, New York area and surrounding communities. The company handles disability insurance policies designed to replace a portion of income if a client becomes unable to work due to illness or injury. It works with individuals to evaluate policy options that align with professional and personal financial circumstances. To manage a typical case, it first reviews the client’s occupation and current earnings, then identifies benefit terms and waiting periods that fit the specific situation.
For one-time situations such as applying for a new policy or for recurring needs like updating an existing plan, Jody Lawrence at Comparion Insurance Agency helps clients in Buffalo evaluate disability income coverage. This service protects wages if illness or injury prevents work, addressing both short-term and long-term scenarios typically encountered by local professionals. Consultations are available either as scheduled appointments for particular life changes or on an as-needed basis for ongoing policy reviews.
Damien Lawrence at Comparion Insurance Agency specializes in disability insurance, crafting policies that replace a portion of income if a client becomes unable to work. The Buffalo, NY operation provides personalized consultations to help professionals and small business owners understand coverage options for long-term financial protection. This service is particularly valuable for local tradespeople and healthcare workers, who may face an unexpected recovery period during harsh western New York winters.
As winter weather in Buffalo brings unpredictable risks, securing income protection becomes a practical concern for many professionals. Lawley operates as a disability insurance agent in the area, helping clients evaluate policies that replace lost earnings during illness or injury. They guide individuals through plan details and eligibility criteria tailored to local employment types. A typical initial step involves reviewing a client’s current coverage gaps and employment situation. This assessment helps determine appropriate benefit amounts and waiting periods before formally submitting an application.
New Buffalo Insurance Agency, Inc. assists individuals and businesses in the Buffalo, NY area with financial protection plans. The agency specializes in disability insurance, offering policies that replace income if a policyholder cannot work due to illness or injury. It helps clients evaluate coverage needs for temporary or permanent disability. The company can serve various commercial sectors, including offices, warehouses, and food service operations.
Donna Medina at Comparion Insurance Agency serves individuals and families in the Buffalo, NY area with residential disability insurance coverage, helping clients protect their income when illness or injury prevents them from working. This agency also provides commercial disability policies for local small businesses seeking coverage for their employees. Service extends throughout the greater Buffalo region. Clients often return for annual policy reviews and updates to their coverage between regular visits to ensure continued alignment with changing needs.
Nick Messuro - State Farm Insurance Agent in Buffalo, NY, serves individuals and families seeking financial protection through disability insurance. The agency helps clients understand how such policies replace income if illness or injury prevents them from working. Coverage options are discussed with an emphasis on personal needs and long-term stability. The agent provides assistance in navigating plan selections and application procedures. Specialty service includes coordinating disability benefits with existing health insurance plans for comprehensive coverage.
What Does a a Disability Insurance Agent in Buffalo Cost?
Disability insurance premiums in New York typically range from 1% to 3% of your annual income for a standard policy. For a 40-year-old earning $75,000 per year, a policy might cost between $75 and $225 per month. Costs vary based on age, health, occupation, benefit amount, and waiting period. This is general information and not insurance advice.
About disability insurance agents in Buffalo
Disability insurance agents in Buffalo New York help professionals and business owners secure income protection tailored to their needs. New York state law requires employers to provide short-term disability benefits through the New York Disability Benefits Law (DBL). A local agent can guide you through private policies that supplement these state-mandated benefits.
Frequently Asked Questions
What does a disability insurance agent in Buffalo do?
A disability insurance agent in Buffalo helps you compare policies from different carriers to find coverage that fits your occupation and income. They explain policy terms like elimination periods and benefit durations. They also assist with claims and policy changes.
Is disability insurance required in New York?
New York law requires most employers to provide short-term disability benefits under the New York Disability Benefits Law (DBL). This coverage pays a portion of wages for up to 26 weeks. Long-term disability insurance is not required but is often available through employers or private agents.
How do New York disability benefits work with private insurance?
New York DBL provides a weekly benefit of up to 50% of your average weekly wage, capped at a state-set maximum. Private disability insurance can supplement this amount to replace a higher percentage of your income. An agent can help coordinate these benefits to avoid gaps.
Disability Insurance Agents in Other New York Cities
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