The top-rated disability insurance agent in Poughkeepsie, New York is Tom Lewis - State Farm Insurance Agent, rated 4.9 stars across 274 reviews. Other highly rated options include Marshall + Sterling Insurance, Robert Many - State Farm Insurance Agent, Miscedra & Associates Inc. This directory lists 20 disability insurance agents serving Poughkeepsie.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Tom Lewis - State Farm Insurance Agent | 22 Ibm Rd Ste 104B | (845) 454-5444 |
| 2 | Marshall + Sterling Insurance | 232 Hooker Ave | (845) 454-2493 |
| 3 | Robert Many - State Farm Insurance Agent | 44 PLAZA, 21 Burnett Blvd | — |
| 4 | Miscedra & Associates Inc | 2668 South Rd #202 | (845) 214-0977 |
| 5 | Frank Menes: Allstate Insurance | 47 Civic Center Plaza | (845) 471-9611 |
| 6 | Emery & Webb Insurance | 4 Jefferson St | (845) 454-4220 |
| 7 | Diane DiSomma - State Farm Insurance Agent | 43 Vassar Rd | (845) 462-4500 |
| 8 | Marshall+Sterling | 110 Main St | (845) 454-0800 |
| 9 | Nationwide Insurance: McLean Ins Agency Inc | 316 Titusville Rd | (845) 471-2660 |
| 10 | William A. Smith & Son Insurance Poughkeepsie Office | 85 Civic Center Plaza | (845) 485-6300 |
Tom Lewis - State Farm Insurance Agent serves the Poughkeepsie, New York, area as a disability insurance agent. This agency helps individuals protect their income by offering policies that provide financial support if an illness or injury prevents them from working. Clients can explore options that cover short-term or long-term disability needs, tailored to various occupations and income levels. The agency also assists with claims guidance and policy selection for personal or group coverage. Specific services handled here include individual disability income insurance and business overhead expense policies.
Marshall + Sterling Insurance in Poughkeepsie, NY, provides disability insurance agent services, helping residents secure income protection for illnesses and injuries that prevent work. It offers initial plan consultation and ongoing policy maintenance, ensuring coverage adapts to changes in client needs or employment status. The firm’s service extends to guidance on claim procedures and policy updates throughout the term of coverage. It serves a range of properties in the area, including single-family homes, apartments, retail, and restaurants.
Serving Poughkeepsie and surrounding Dutchess County communities, Miscedra & Associates Inc handles the placement of disability insurance policies that protect an individual’s income if illness or injury prevents them from working. The company assists clients in navigating the various coverage options available in the local market. For a typical case, it first reviews a client's occupation and earnings to identify a suitable plan, then submits applications to multiple carriers to secure competitive rates and terms.
Frank Menes: Allstate Insurance in Poughkeepsie, NY, offers both one-time policy consultations and ongoing support for disability insurance needs. Coverage is typically designed to replace a portion of lost income if an injury or illness prevents work. The agency helps clients understand policy terms such as benefit periods and elimination periods. Service appointments are available on an as-needed basis, accommodating individual schedules for initial signup, plan adjustments, or claim assistance.
Specializing in disability income protection and long-term coverage strategies, Emery & Webb Insurance serves clients in Poughkeepsie, New York. As a disability insurance agent, it provides guidance on policies that replace income if illness or injury prevents work. The firm assists individuals with tailoring plans to their specific professions and income levels. For a local nurse or tradesperson recovering from a sudden surgery, it helps navigate the waiting period before benefits begin, ensuring financial stability during recovery.
As residents of the Hudson Valley prepare for seasonal transitions, having reliable income protection becomes a key concern in Poughkeepsie. Diane DiSomma - State Farm Insurance Agent provides disability insurance guidance to local individuals and families looking to safeguard their earnings during unexpected illness or injury. The agency operates as a disability insurance agent in the area, offering straightforward consultations to help clients understand policy options that fit their unique financial situations. An initial assessment of a client’s current coverage and personal needs is typically scheduled during the first visit.
Marshall+Sterling operates as a disability insurance agent in Poughkeepsie, New York, focusing on helping area workers protect their income against unforeseen illness or injury. The company specializes in both short-term and long-term disability coverage, allowing clients to tailor a policy to their needs. It serves a variety of commercial sectors throughout the region, including local offices, industrial warehouses, and food service establishments.
Nationwide Insurance: McLean Ins Agency Inc serves Poughkeepsie residents with disability income protection policies. Commercial coverage is also available for local businesses needing to safeguard employee earnings. The agency assists clients throughout the Hudson Valley area. Regular appointments occur at the office or over the phone to review evolving needs. The agent typically follows up after policy claims or life changes to ensure coverage remains appropriate between scheduled annual reviews.
William A. Smith & Son Insurance Poughkeepsie Office is known for guiding clients through the process of securing disability income protection in the Poughkeepsie, NY area. Its disability insurance agents assess individual needs to help replace lost earnings if an injury or illness prevents work. The office serves both local professionals and small business employees. It complements its core disability offerings with tailored group coverage solutions for local employer benefit plans.
What Does a a Disability Insurance Agent in Poughkeepsie Cost?
Disability insurance costs in New York vary based on age, occupation, health, and benefit amount. Typical premiums for an individual policy range from 1 to 3 percent of annual income. For a 40 year old earning 60,000 dollars, a policy might cost 50 to 150 dollars per month. Employer-sponsored plans often have lower group rates. This is general information and not insurance advice.
About disability insurance agents in Poughkeepsie
Disability insurance agents in Poughkeepsie help individuals and businesses find coverage that protects income if injury or illness prevents work. New York requires employers to provide short-term disability benefits through the Disability Benefits Law, but many workers also seek private long-term policies. Local agents understand the Dutchess County job market and can guide you through state-specific rules and policy options.
Frequently Asked Questions
What does a disability insurance agent in Poughkeepsie do?
A disability insurance agent helps you compare and purchase disability policies from different carriers. They explain coverage terms, benefit amounts, and elimination periods. They also assist with claim questions and policy changes.
Is disability insurance required in New York State?
New York law requires most employers to provide short-term disability benefits through the Disability Benefits Law (DBL). This covers partial wages for up to 26 weeks. Long-term disability insurance is not required but is often offered by employers or purchased individually.
How do New York disability benefits interact with private insurance?
New York DBL benefits are typically short-term and cover about 50 percent of your weekly wage up to a cap. Private long-term disability policies can supplement DBL and provide coverage after DBL ends. An agent can help coordinate these benefits to avoid gaps.
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