The top-rated disability insurance agent in Huntington, New York is The Michaels Group, rated 5.0 stars across 756 reviews. Other highly rated options include Kelly Schumacher - State Farm Insurance Agent, Borg Insurance Agency, Shane Roer Agency Inc.. This directory lists 16 disability insurance agents serving Huntington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Michaels Group | 425 New York Ave Suite 102 | (631) 629-2233 |
| 2 | Kelly Schumacher - State Farm Insurance Agent | 1870 E Jericho Tpke Unit 9 | (631) 629-4100 |
| 3 | Borg Insurance Agency | 148 E Main St #106 | (631) 673-7600 |
| 4 | Shane Roer Agency Inc. | 7 High St Ste 305 | (631) 923-2840 |
| 5 | JW Hirschfeld Agency Inc | 299 Main St | (631) 421-2525 |
| 6 | Michelle Laglenne-Spronck - State Farm Insurance Agent | 1160 E Jericho Tpke Suite109 | (631) 427-4636 |
| 7 | David Tuohy Jr.: Allstate Insurance | 202 E Main St Ste 107 | (631) 423-1200 |
| 8 | Lawrence R Bell Associates Inc. | 726 New York Ave | (718) 292-2637 |
| 9 | Best Health Insurance NY | 175 W Carver St # 102 | (315) 230-0835 |
| 10 | Priority Insurance Agency, Inc. | 866 W Jericho Turnpike | (631) 657-8951 |
The Michaels Group serves Huntington and the surrounding Suffolk County area as a disability insurance agent. The firm assists local professionals and business owners in securing individual and group disability income policies. It guides clients through the process of evaluating coverage options that replace a portion of lost earnings due to illness or injury. The agency specifically handles short-term disability benefits and long-term disability protection for self-employed individuals and small businesses in the region.
Kelly Schumacher - State Farm Insurance Agent in Huntington, NY provides disability insurance policies designed to replace a portion of lost income if an illness or injury prevents work. Its service approach includes helping clients understand policy options, tailoring coverage to individual employment situations, and offering ongoing plan reviews. The company assists with claim filing guidance and updates coverage as clients' career and health circumstances evolve. It services single-family homes, apartments, retail, and restaurants.
Borg Insurance Agency serves local homeowners, businesses, and property managers in Huntington, NY, specializing in disability insurance agent services to help protect income when illness or injury prevents work. Policies are tailored to individual occupations and income levels, ensuring clients understand their coverage options for short-term and long-term needs. The agency assists with evaluating policy terms and coordinating claims when necessary. It also serves neighboring communities throughout Suffolk County and the wider Long Island metro area.
Serving Huntington, NY, and its surrounding communities, Shane Roer Agency Inc. handles personal disability insurance solutions for local professionals and business owners. The agency focuses on helping clients secure income protection against illness or injury that may interrupt their ability to work. It evaluates each individual’s occupation, earnings, and current coverage gaps to recommend appropriate policies. For a typical job, the agency begins by reviewing the client’s specific financial obligations and occupational risks, then presents customized plan options from multiple carriers for comparison.
For many clients, disability insurance protection can be arranged under either a one-time policy or a recurring coverage plan that adjusts over time. JW Hirschfeld Agency Inc, serving the Huntington, NY area, functions exclusively as a disability insurance agent, helping both individuals and professionals secure appropriate income protection against potential illness or injury. Services are offered strictly on an as-needed basis, allowing clients to review their unique circumstances and policy options at their own convenience without any scheduled obligation.
Michelle Laglenne-Spronck, a disability insurance agent based in Huntington, NY, specializes in helping individuals secure income protection policies that replace a portion of earnings if illness or injury prevents work. The agency also provides general property, casualty, and life insurance services to local residents and business owners. Guiding clients through plan options and policy details, it addresses everyday financial protection needs as well as specific seasonal concerns such as sudden winter injuries that leave a homeowner temporarily unable to work.
As local families and self-employed professionals in Huntington plan for unexpected income loss, David Tuohy Jr.: Allstate Insurance provides disability insurance solutions designed to maintain financial stability. Policies generally cover a portion of lost wages when an injury or illness prevents work. The agency typically helps clients understand benefit periods, elimination periods, and occupation-specific coverage options relevant to Long Island's diverse workforce. An initial assessment of current income and monthly expenses often serves as the starting point for policy evaluation.
Lawrence R Bell Associates Inc. in Huntington, New York, specializes in arranging disability insurance coverage, providing individual and group policies that replace lost income due to illness or injury. The firm works specifically as a disability insurance agent, offering guidance through the application process and helping clients select appropriate benefit terms. They serve a range of commercial sectors, including professional offices, warehouses, and food service operations that seek to protect their employees and businesses.
Located in Huntington, NY, Best Health Insurance NY provides disability insurance agents for local residents seeking income protection. This service also handles commercial coverage tailored for small businesses and independent professionals throughout Long Island and greater Suffolk County. Agents assist clients in selecting policies that replace a portion of earnings during illness or injury. The company aims to help policyholders revisit their coverage needs during routine financial check-ins, ensuring adjustments are made between regular annual reviews.
What Does a a Disability Insurance Agent in Huntington Cost?
The cost of disability insurance in New York typically ranges from 1% to 3% of your annual income for an individual policy. For a 40 year old earning 100,000 dollars per year, premiums might be 100 to 250 dollars per month. Costs vary based on age, health, occupation, and benefit terms. This is general information and not insurance advice.
About disability insurance agents in Huntington
Disability insurance agents in Huntington New York help residents protect their income with individual or group policies. New York state law requires certain employers to provide short-term disability benefits through the Disability Benefits Law. An agent can explain how these state mandates interact with private coverage to ensure you have adequate protection.
Frequently Asked Questions
What does a disability insurance agent in Huntington do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your needs. They explain benefit terms like elimination periods and benefit durations. They also assist with filing claims and understanding policy exclusions.
Is disability insurance required in New York?
New York does not require individuals to carry private disability insurance. However, most employers must provide short-term disability benefits under the New York Disability Benefits Law. A private policy can supplement this coverage for longer or more comprehensive protection.
How do New York disability benefits laws affect my policy?
New York law sets a minimum weekly benefit for employer-provided disability insurance. Private policies often exceed these minimums. An agent can help you understand how your private policy coordinates with state-mandated benefits to avoid gaps in coverage.
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