The top-rated disability insurance agent in Melville, New York is First Heritage Insurance Agency, rated 4.9 stars across 1,453 reviews. Other highly rated options include PRK Insurance Agency Inc, YZ Insurance Group, Coverland Brokerage Inc. This directory lists 21 disability insurance agents serving Melville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | First Heritage Insurance Agency | 324 S Service Rd | (631) 659-0189 |
| 2 | PRK Insurance Agency Inc | 425 Broadhollow Rd Suite 415 | (516) 799-9001 |
| 3 | YZ Insurance Group | 555 Broadhollow Rd # 303 | (516) 464-2100 |
| 4 | Coverland Brokerage Inc | 555 Broadhollow Rd #117 | (516) 696-3590 |
| 5 | Plan Medicare - Long Island Medicare Agent | 48 S Service Rd Suite 400 | (516) 900-7877 |
| 6 | The Modern Medicare Agency | 445 Broadhollow Rd #25 | (631) 387-4403 |
| 7 | Tekbytes Insurance Brokerage inc. | 25 Melville Park Rd Suite 77 | (631) 481-9470 |
| 8 | Safe Haven Insurance Agency | 555 Broadhollow Rd | (631) 608-1137 |
| 9 | Jane O'Malley Insurance | 532 Broadhollow Rd #106 | (631) 804-5523 |
| 10 | La Grange Inc. | 734 Walt Whitman Rd #208 | (631) 629-4360 |
First Heritage Insurance Agency serves Melville, New York, and the greater Nassau County area as a disability insurance agent. The company assists clients in understanding and selecting individual disability income policies to protect their earnings. It also guides professionals through the process of securing long-term disability coverage tailored to their specific occupations and income needs. This agency handles both short-term and long-term disability insurance solutions for local residents and business owners in the region.
PRK Insurance Agency Inc offers a wide range of services as a disability insurance agent in Melville, NY, helping local professionals secure income protection in the event of illness or injury. The agency provides comprehensive plan selection support, from initial coverage assessment through application assistance and ongoing policy review. Tailored maintenance plans include periodic claims guidance and updates to keep benefits aligned with changing income levels. PRK Insurance Agency Inc services single-family homes, apartments, retail operations, and restaurants.
YZ Insurance Group serves homeowners, business owners, and self-employed professionals in Melville, New York, who need to protect their income against unexpected illness or injury. The company works as a disability insurance agent, helping clients evaluate and apply for individual or group policies that provide regular income replacement. It assists those managing businesses with key person coverage and overhead expense plans. The agency also covers the greater Nassau County area, including nearby Huntington and Plainview.
Serving Melville and the surrounding Long Island communities, Coverland Brokerage Inc handles disability insurance for local residents and professionals. The agency works with individuals to find coverage that protects their income during illness or injury. Each case begins with a detailed review of the client’s employment situation and financial needs. The agent then compares policies from different carriers to match the client with appropriate benefit terms. A typical job is handled by guiding the client through the application process and ensuring all medical documentation is properly submitted.
Plan Medicare, located in Melville and serving Long Island, helps clients understand the difference between a single disability insurance consultation and ongoing policy management. Their agents explain how disability coverage replaces a portion of income if an injury or illness prevents work, a crucial safeguard for local professionals and small business owners. They detail policy features such as benefit periods and waiting periods tailored to individual needs. Service runs on an as-needed basis, with clients able to request assistance when preparing initial coverage or adjusting existing plans.
The Modern Medicare Agency in Melville focuses on helping clients secure disability insurance to protect their income during illness or injury. It guides individuals through policy options for short-term and long-term needs. Serving the local area, the agency explains benefit structures and waiting periods. With changing employment patterns, it assists with policies for self-employed professionals or those transitioning between jobs who need coverage continuity.
With winter approaching, many Long Island workers worry about protecting their income when an injury or illness prevents them from working. Tekbytes Insurance Brokerage inc. in Melville, NY helps residents evaluate disability coverage that can replace lost wages during recovery. The agents review each client’s employment situation and existing group benefits to identify gaps in financial protection. They compare policies from multiple carriers to find appropriate short-term and long-term plans. A typical first step is a phone consultation to assess the client’s monthly expenses and current coverage needs.
Safe Haven Insurance Agency provides disability income protection to individuals and families in the Melville, New York area. As a dedicated disability insurance agent, the company helps clients evaluate policies that can replace a portion of lost earnings due to illness or injury. These plans are designed to cover essential expenses during recovery periods. The agency works with professionals from various commercial sectors, including office environments, warehouses, and food service operations, to tailor coverage that meets specific occupational needs.
Jane O'Malley Insurance, a disability insurance agent based in Melville, NY, is known for providing expert policy guidance to local professionals and small business owners. It assists clients in the greater Long Island area with applications and claims navigation, ensuring coverage aligns with personal income protection needs. The agency also offers specialized terms for high-risk occupations and self-employed individuals.
La Grange Inc. provides residential disability insurance agent services in Melville, NY, assisting homeowners with long-term income protection needs. Commercial coverage is also available for local small and mid-sized businesses seeking employer-sponsored disability benefits. The company serves the greater Melville area and surrounding Nassau County communities. Clients regularly return to review existing plans or obtain updated policies between periodic visits.
What Does a a Disability Insurance Agent in Melville Cost?
Disability insurance agent services in New York typically do not charge a separate fee because agents earn commissions from insurance companies. Policy premiums vary widely based on age, health, occupation, and benefit amount. A typical monthly premium for a 40-year-old professional in Melville might range from $100 to $300 for a policy covering 60% of income. Costs are higher for high-risk occupations. This is general information, not insurance advice.
About disability insurance agents in Melville
Disability insurance agents in Melville, New York help individuals and businesses secure income protection. New York law requires employers to provide short-term disability benefits through the New York State Disability Benefits Law. A local agent can guide you through policy options that meet state requirements and your personal needs.
Frequently Asked Questions
What does a disability insurance agent in Melville do?
A disability insurance agent helps you find a policy that fits your income and occupation. They explain coverage options and assist with the application process. In New York, agents must be licensed by the state Department of Financial Services.
Does New York require disability insurance?
New York State requires most employers to provide short-term disability insurance through the Disability Benefits Law. This covers off-the-job injuries or illnesses. A Melville agent can help you understand if you need additional long-term coverage.
How do I choose a disability insurance agent in Melville?
Look for an agent with experience in New York disability laws and policies. Check their license status on the New York Department of Financial Services website. Ask about their knowledge of local employers and industry-specific coverage.
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