The top-rated disability insurance agent in Massapequa, New York is Law Office of Sharmine Persaud, rated 5.0 stars across 125 reviews. Other highly rated options include Michael Rogers: Allstate Insurance, Diana Casey - State Farm Insurance Agent, The Zabbia Insurance Agency. This directory lists 13 disability insurance agents serving Massapequa.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Law Office of Sharmine Persaud | 675 Broadway | (877) 777-7291 |
| 2 | Michael Rogers: Allstate Insurance | 569 Broadway | (516) 541-3000 |
| 3 | Diana Casey - State Farm Insurance Agent | 1093 N Broadway | (516) 753-0060 |
| 4 | The Zabbia Insurance Agency | 744 N Broadway | (516) 799-3800 |
| 5 | Completely Covered Insurance | 5649 Merrick Rd | (516) 795-2642 |
| 6 | Insure LI Agency Inc | 582 Hicksville Rd | (516) 308-4166 |
| 7 | Raymond J Stroveglia: Allstate Insurance | 5516 Merrick Rd | (516) 795-6600 |
| 8 | NY Sunrise Agency Inc. | 5462 Merrick Rd | (516) 797-2090 |
| 9 | Maximus Insurance | 684 Broadway | (800) 698-3966 |
| 10 | Ace Insurance | 941 Carmans Rd | (516) 882-4520 |
Homeowners and business owners in Massapequa, New York, turn to the Law Office of Sharmine Persaud for guidance on disability insurance coverage. The agency helps clients protect their income by assessing policy options and explaining terms for long-term protection plans. Residents and entrepreneurs navigating disability claims or seeking new individual policies also find support here. The firm additionally serves clients throughout Nassau County and the surrounding communities of Wantagh.
Michael Rogers: Allstate Insurance serves the Nassau County area from its Massapequa base. This agency provides disability insurance policies that offer income protection if an illness or injury prevents a client from working. Coverage is tailored to help individuals replace a portion of their earnings during a qualifying disability period. The agency assists applicants in understanding waiting periods and benefit terms. It also helps clients evaluate options for short-term and long-term disability plans.
Diana Casey - State Farm Insurance Agent provides disability insurance agent services to clients in the Massapequa, NY area. This agency offers policies that replace a portion of income if a client cannot work due to illness or injury, along with ongoing policy reviews to ensure coverage remains aligned with changing needs. Their service plans include personalized consultations to explain benefit options and claims assistance. The company services single-family homes, apartments, retail, and restaurants.
The Zabbia Insurance Agency serves the Massapequa, New York area and surrounding Long Island communities, handling disability insurance policies for local residents and professionals. It provides coverage that replaces a portion of income if a client becomes unable to work due to illness or injury. The agency works with clients to assess their specific needs and risk factors before presenting policy options. For a typical job, it reviews the client's occupation and income details, then gathers quotes from multiple insurers to compare terms and benefits.
Completely Covered Insurance in Massapequa, New York, helps clients understand the difference between one-time policies for short-term needs and recurring disability coverage for long-term income protection. As a local disability insurance agent, the company assists individuals in evaluating options that replace lost wages if illness or injury prevents work. Service to clients is provided strictly on a one-time basis for initial policy selection and enrollment, without scheduled follow-ups or recurring appointments unless specifically requested by the policyholder.
Insure LI Agency Inc focuses on disability insurance, offering policies that replace a portion of lost income due to illness or injury. It serves clients throughout Massapequa, NY, helping individuals and local businesses find coverage tailored to their specific needs. The agency guides customers through policy options to ensure financial protection during unexpected life events. As year-end approaches, it assists self-employed residents with adjusting their coverage to account for changes in quarterly earnings.
As the Long Island winter brings icy sidewalks and unpredictable commutes, residents in and around Massapequa often consider protecting their income from unexpected injuries. Raymond J Stroveglia: Allstate Insurance serves this need by explaining individual disability policies that can replace lost wages during recovery. Working with local professionals and self-employed individuals, the agency helps clarify waiting periods and benefit amounts. Each appointment typically begins with a financial review and an application assessment to determine eligibility.
NY Sunrise Agency Inc. operates within the disability insurance market from its base in Massapequa, New York. The firm focuses on helping individuals secure financial protection in the event that illness or injury prevents them from working. Beyond basic coverage, the agency can assist with policy riders designed to address specific occupational risks. Its client work regularly involves representing workers from local office environments, warehouse operations, and food service businesses.
Serving residents in Massapequa, New York, this company helps individuals protect their income if they cannot work due to injury or illness. Commercial coverage is also available for local businesses to safeguard their employees. The agent assists both families and companies in Massapequa and the surrounding Long Island area. After the initial policy setup, they make themselves available for follow-up questions or adjustments needed between regular policy reviews, ensuring coverage remains appropriate.
Ace Insurance in Massapequa, NY, is known for helping local professionals navigate disability coverage options. It assists clients in selecting policies that protect income during illness or injury. The agency works with both individual applicants and small business owners seeking group plans tailored to their needs. Claims support is available to simplify the filing process. These plans can be structured to replace a portion of earnings during recovery. A specialty it can add on is a voluntary benefit plan option for payroll deduction.
What Does a a Disability Insurance Agent in Massapequa Cost?
Disability insurance premiums in New York vary based on age, health, occupation, and benefit amount. Typical costs range from 1% to 3% of your annual income. For example, a 40-year-old professional might pay $50 to $150 per month for a policy that replaces 60% of income. Costs are higher for high-risk occupations. This is general information, not insurance advice.
About disability insurance agents in Massapequa
Disability insurance agents in Massapequa, New York assist residents with finding income protection policies. New York State requires employers to provide short-term disability benefits through the New York Disability Benefits Law (DBL). An agent can help you compare private plans and understand how DBL interacts with your personal coverage.
Frequently Asked Questions
What does a disability insurance agent in Massapequa do?
A disability insurance agent helps you find a policy that replaces part of your income if you cannot work due to illness or injury. They explain policy terms, costs, and exclusions. They also guide you through the application process.
How is New York disability insurance different from other states?
New York has a mandatory short-term disability program called DBL that covers most private sector employees. A Massapequa agent can help you understand how DBL works and whether you need additional long-term coverage. DBL provides up to 26 weeks of benefits.
Do I need a disability insurance agent if my employer offers coverage?
Yes, because employer plans may have limits. An agent can review your employer policy and suggest supplemental coverage. This ensures you have enough income replacement if you become disabled.
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