The top-rated disability insurance agent in Clifton Park, New York is Doug Neil Insurance Agency, rated 5.0 stars across 1,356 reviews. Other highly rated options include Tim Mcgrath - State Farm Insurance Agent, Farmers Insurance - Christine Sheppard, Cote Insurance Agency. This directory lists 23 disability insurance agents serving Clifton Park.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Doug Neil Insurance Agency | 955 NY-146 | (518) 783-3311 |
| 2 | Tim Mcgrath - State Farm Insurance Agent | 1471 US-9 Unit 107 | (518) 631-5113 |
| 3 | Farmers Insurance - Christine Sheppard | 632 Plank Rd #111 | (518) 220-2010 |
| 4 | Cote Insurance Agency | 1690 US-9 | (518) 630-6478 |
| 5 | Michele Metzger at Comparion Insurance Agency | 28 Corporate Dr #106 | (518) 243-1129 |
| 6 | Farmers Insurance - Mary Ann O'Brien | 22 Clifton Country Rd Suite 52 | (518) 280-1396 |
| 7 | StoneBuilt Insurance Agency Inc | 985 NY-146 Ste 1 | (518) 691-1233 |
| 8 | Thomas Rupert - State Farm Insurance Agent | 308 Grooms Rd | (518) 383-0060 |
| 9 | Kevin Simon at Comparion Insurance Agency | 28 Corporate Dr #106 | (518) 243-1124 |
| 10 | Comparion Insurance Agency | 28 Corporate Dr #106 | (518) 371-2486 |
Doug Neil Insurance Agency provides guidance on disability insurance in Clifton Park, New York. It assists individuals and businesses in understanding policies that offer income protection during illness or injury. The agency can evaluate coverage options for short-term and long-term disability needs. It serves a range of commercial sectors, including professional offices, warehouses, and food service establishments, helping each work environment find suitable plans for their employees.
Tim Mcgrath - State Farm Insurance Agent in Clifton Park, NY offers a full range of disability insurance services, including helping individuals select income protection plans that cover lost wages due to illness or injury. The agency provides ongoing policy reviews and claims assistance to ensure maintained coverage aligns with clients' changing life circumstances. Its service extends to local professionals working from single-family homes and apartments, as well as business owners operating retail shops and restaurants.
Serving homeowners, renters, and small business owners in the Clifton Park area, this agency provides disability insurance coverage tailored to replace lost income when an injury or illness prevents work. Policies are designed to help protect personal savings and maintain mortgage or loan payments during recovery. Christine Sheppard works with local clients to explain policy features and coverage limitations clearly. The agency also serves the broader Saratoga County region, including nearby communities like Ballston Spa.
Cote Insurance Agency serves residents in Clifton Park, New York, by helping them secure disability income protection for individual needs. The agency also assists local businesses with group disability coverage to support employee financial security. Service extends throughout the greater Capital Region, providing local guidance for those navigating disability insurance options. Clients can return for plan adjustments or policy reviews between their regular appointments, ensuring coverage keeps pace with changing personal or professional circumstances.
Michele Metzger at Comparion Insurance Agency serves Clifton Park, NY, and surrounding communities in Saratoga County, handling disability insurance coverage for local residents. The agency assists individuals in understanding how disability policies can replace a portion of lost income during a medical recovery or illness. For a typical job, it begins by reviewing a client’s current occupation and income needs to recommend a suitable plan.
Farmers Insurance - Mary Ann O'Brien specializes in disability insurance agent services for clients in Clifton Park, New York, providing coverage options that protect income against unexpected illness or injury. The agency guides individuals and self-employed professionals through policy selection, helping them understand waiting periods and benefit structures. With changing seasons in the Capital Region, it assists those concerned with how winter weather hazards might temporarily prevent them from working, ensuring their financial stability during recovery.
StoneBuilt Insurance Agency Inc operates in Clifton Park, New York, guiding clients through the complexities of disability insurance coverage. The company specifically focuses on providing disability insurance agent services tailored to the needs of local individuals and businesses. These services help protect income against interruptions caused by illness or injury. The agency can assist commercial sectors including offices, warehouses, and food service establishments by addressing their unique disability coverage requirements.
With the onset of flu season and unpredictable winter weather in Clifton Park, many local workers face unexpected time away from their jobs. Thomas Rupert - State Farm Insurance Agent provides disability insurance policies to help replace lost income during such medical leaves or recovery periods. The agency evaluates each client's occupation, earnings, and existing coverage to tailor a plan that meets individual financial protection needs. An initial consultation reviews current benefits and income gaps to determine the appropriate policy structure.
Kevin Simon at Comparion Insurance Agency serves clients with residential disability insurance needs in their homes, as well as commercial coverage for small businesses requiring income protection. Serving Clifton Park, New York, and the surrounding communities in the Capital Region, the agency focuses on helping individuals and employers plan for potential illness or injury. Claimants often return to the agent for policy adjustments or follow-up consultations between regular review visits to ensure coverage keeps pace with changing circumstances.
Comparion Insurance Agency in Clifton Park, NY, assists clients with disability insurance by explaining the difference between one-time policy purchases and recurring coverage options that adjust over time. The agency helps individuals and local businesses secure income protection against illness or injury, addressing specific needs for short-term and long-term benefits. Coverage details include tailored plans that replace a portion of lost wages. Service runs on an as-needed basis, available when clients request consultation or policy reviews.
What Does a a Disability Insurance Agent in Clifton Park Cost?
The cost of disability insurance in New York varies by age, health, occupation, and benefit amount. Typical premiums for a healthy 35-year-old range from 1 to 3 percent of annual income. For a 50-year-old, costs may be 3 to 6 percent of income. Policy features like waiting periods and benefit duration also affect price. This is general information, not insurance advice.
About disability insurance agents in Clifton Park
Disability insurance agents in Clifton Park, New York help residents and workers protect their income if they cannot work due to illness or injury. New York State requires employers to provide short-term disability benefits through the Disability Benefits Law, but many workers also choose private long-term coverage. A local agent can explain how state-mandated plans work and help you find supplemental policies that fit your needs.
Frequently Asked Questions
What does a disability insurance agent in Clifton Park do?
A disability insurance agent helps you compare and purchase disability insurance policies from different carriers. They explain policy terms, waiting periods, and benefit amounts. In New York, agents also advise on how private plans interact with the state-mandated Disability Benefits Law.
Is disability insurance required in New York State?
New York State requires most employers to provide short-term disability benefits under the Disability Benefits Law. This covers off-the-job injuries and illnesses. Long-term disability insurance is not required by law, but many workers choose it for extended income protection.
How do New York disability benefits work with private insurance?
New York state short-term disability benefits typically replace about 50 percent of your weekly wage up to a cap. Private disability insurance can supplement this amount. An agent can help you coordinate coverage so you do not overpay for overlapping benefits.
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