The top-rated disability insurance agent in Middletown, New York is James Demmer - State Farm Insurance Agent, rated 4.9 stars across 924 reviews. Other highly rated options include Joy Insurance, Curabba Insurance Agency, Evergreen Insurance Agency -Peter Schmidt. This directory lists 19 disability insurance agents serving Middletown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | James Demmer - State Farm Insurance Agent | 13 James P Kelly Way ste a | (845) 344-3276 |
| 2 | Joy Insurance | 639 E Main St | (845) 683-5261 |
| 3 | Curabba Insurance Agency | 334 E Main St | (845) 343-0855 |
| 4 | Evergreen Insurance Agency -Peter Schmidt | 690, 4 NY-211 E | (845) 673-6127 |
| 5 | The Premium Select Group Inc. | 32 County Rd 78 | (845) 520-9774 |
| 6 | Hutchings Agency Inc. | 682 E Main St # 2D | (845) 343-2148 |
| 7 | Nicole Feichtl at Comparion Insurance Agency | 265 NY-211 Suite 106B | (845) 394-6155 |
| 8 | Lori Buhagiar: Allstate Insurance | 125 Dolson Ave Ste 22b | (845) 343-5909 |
| 9 | Marshall+Sterling | 90 Crystal Run Rd | (845) 343-2138 |
| 10 | Glenn Gleeson - State Farm Insurance Agent | 15 Dolson Ave | (845) 342-5721 |
James Demmer - State Farm Insurance Agent serves the Middletown, NY area, specializing in disability insurance agent services. The agency helps clients secure income protection policies that replace a portion of earnings if illness or injury prevents work. These plans are designed for individuals and business owners seeking financial stability during recovery. The office handles long-term disability policies, which provide extended coverage, and short-term disability plans, which offer quicker benefit payments after a qualifying event.
Joy Insurance provides disability insurance agent services to individuals and businesses throughout the Middletown, NY, area. The company helps clients understand policy options and navigates the application process for disability coverage. Ongoing support includes policy reviews and assistance with claims filing to ensure clients maintain their income protection. Joy Insurance serves a variety of property types, including single-family homes, apartment complexes, retail spaces, and restaurants.
Curabba Insurance Agency serves homeowners, renters, and small business owners in Middletown, NY, offering disability insurance policies that replace lost income if a client is unable to work due to illness or injury. The agency also assists self-employed individuals in structuring policies to match variable earnings. It works with area contractors and professionals to match coverage with current occupation risks and benefit needs. In addition to servicing Orange County, the agency covers clients throughout the nearby Town of Wallkill community.
The Premium Select Group Inc. in Middletown, NY offers both one-time consultations to assess disability coverage needs and ongoing service options for adjusting policies as life circumstances change. They connect clients with disability insurance plans that provide income replacement if illness or injury prevents work. Their service operates on a scheduled basis, with periodic reviews to ensure current coverage remains adequate for the client's evolving professional and personal situation.
As winter weather increases the risk of slips and falls in Middletown, many residents seek coverage that protects their income during recovery. Hutchings Agency Inc. provides disability insurance agent services to help clients choose policies suited for such unexpected health events. The agency works with individuals and small businesses, focusing on plans that replace a portion of lost wages due to illness or injury. Their initial assessment step involves a no-cost review of existing coverage and personal income needs.
Based in Middletown, NY, Nicole Feichtl at Comparion Insurance Agency assists individuals and businesses in securing financial protection through disability insurance. The agency specializes in policies that replace a portion of lost income when a medical condition prevents work. These plans help cover essential living expenses during recovery periods. By evaluating each client's occupation and earning profile, the agency recommends suitable coverage levels for different professional environments. Its commercial clients include offices, warehouses, and food service operations.
Lori Buhagiar: Allstate Insurance provides disability insurance agent services in the Middletown, NY area, specializing in helping clients navigate the complexities of income protection policies. The company also offers general insurance guidance to local residents and small business owners. With a focus on financial security, it addresses common concerns about losing income due to injury or illness. This becomes especially critical for clients facing the winter months, when icy conditions can lead to workplace accidents or slips that require extended recovery periods.
As the Hudson Valley’s seasons change, residents of Middletown often seek financial protection against unexpected health setbacks that could interrupt their income. Marshall+Sterling operates within the Disability Insurance Agent category to help local professionals and small business owners evaluate policies that replace lost wages during recovery. Agents in this area typically guide clients through the complex distinctions between short-term and long-term coverage options. The process always begins with a thorough individual assessment of current earnings, job duties, and financial obligations that would be affected by a period of disability.
Glenn Gleeson - State Farm Insurance Agent provides disability insurance services for residences in Middletown, New York. Commercial coverage is also available for local businesses, and the agency serves clients throughout the surrounding region. The agent meets with individuals to explain policy options, helping to secure income protection tailored to specific needs. Agreed follow-up appointments are scheduled between regular visits to adjust coverage as circumstances change, ensuring ongoing support for long-term financial stability.
What Does a a Disability Insurance Agent in Middletown Cost?
Disability insurance agent services in New York typically do not charge a direct fee to you. Instead, they earn commissions from the insurance carrier, usually 5% to 15% of the annual premium. Policy premiums vary widely based on age, health, occupation, and coverage amount. For example, a 40-year-old professional might pay $50 to $150 per month for a policy with a $5,000 monthly benefit. This is general information, not insurance advice.
About disability insurance agents in Middletown
Disability insurance agents in Middletown, New York help individuals and businesses secure income protection plans. New York state law requires certain employers to provide short-term disability benefits through the Disability Benefits Law. A local agent can guide you through policy options and ensure compliance with state regulations.
Frequently Asked Questions
What does a disability insurance agent in Middletown do?
A disability insurance agent helps you compare policies from different carriers. They explain coverage details, exclusions, and premiums. They also assist with filing claims and understanding New York state disability requirements.
Is disability insurance required in New York?
New York requires most employers to provide short-term disability insurance under the Disability Benefits Law. This covers off-the-job injuries and illnesses. Long-term disability insurance is not required but is often offered as a voluntary benefit.
How do I choose a disability insurance agent in Middletown?
Look for an agent licensed in New York with experience in disability policies. Ask about their knowledge of state-specific rules and carrier options. Check reviews and confirm they represent multiple insurance companies.
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