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Directory of disability insurance agents in Niskayuna, New York. Verify credentials with the state department of insurance before hiring.
4 agents listed
Updated May 2026
Niskayuna, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New York before hiring.
Showing 4 disability insurance agents in Niskayuna, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
The Heritage Group
2331 Troy-Schenectady Rd, Niskayuna, NY 12309
(518) 782-0001
heritagegrp.com
Dave Hesler - State Farm Insurance Agent
1521 Balltown Rd Suite 2, Niskayuna, NY 12309
(518) 346-3035
daveheslerinsurance.com
Daniel G. Alcorn - Licensed Health Insurance Agent
1179 Hedgewood Ln, Niskayuna, NY 12309
(518) 346-2115
dgalcorn.com
Denofio Insurance Agency
1317 Regent St, Niskayuna, NY 12309
(518) 248-2499
denofioinsurance.com
Disability insurance agents in Niskayuna 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. A local agent can guide you through group or individual policies and explain how state benefits interact with private coverage.
What Does a Disability Insurance Agent in Niskayuna Cost?
Disability insurance premiums in New York typically range from 1% to 3% of your annual income, depending on your age, health, occupation, and benefit amount. A policy with a 60% income replacement and a 90-day waiting period might cost between $50 and $200 per month for a healthy professional. Costs vary by situation and carrier. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a disability insurance agent in Niskayuna do?
A disability insurance agent helps you find and purchase a policy that replaces part of your income if you become disabled. They explain policy terms, compare options from different carriers, and assist with claims. Agents in Niskayuna are familiar with local employers and New York State disability requirements.
How is New York disability insurance different from private coverage?
New York State requires most employers to provide short-term disability benefits through the Disability Benefits Law, which pays a weekly benefit for up to 26 weeks. Private disability insurance can supplement this with longer terms and higher payouts. An agent can help you understand how these two layers work together.
Do I need a disability insurance agent if my employer offers coverage?
Yes, because employer plans may have limits on benefit amounts and duration. An agent can review your employer policy and recommend additional individual coverage to fill gaps. They also help ensure you meet New York State filing deadlines for claims.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of New York.