The top-rated disability insurance agent in Rome, New York is Stephanie Utter - State Farm Insurance Agent, rated 4.9 stars across 171 reviews. Other highly rated options include Freeway Insurance, Michael Collea - State Farm Insurance Agent, Moore Insurance Group. This directory lists 17 disability insurance agents serving Rome.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Stephanie Utter - State Farm Insurance Agent | 8060 Turin Rd | (315) 339-3300 |
| 2 | Freeway Insurance | 211 E Dominick St | (315) 444-3298 |
| 3 | Michael Collea - State Farm Insurance Agent | 146 Erie Blvd E | (315) 371-4225 |
| 4 | Moore Insurance Group | 1002 Black River Blvd | (315) 371-4288 |
| 5 | Antonowicz Group | 148 W Dominick St | (315) 337-4008 |
| 6 | Steve Jarvis - State Farm Insurance Agent | 834 Black River Blvd | (315) 336-5595 |
| 7 | Joseph Zullo: Allstate Insurance | 241 E Dominick St | (315) 339-1134 |
| 8 | Alan I. Spindler: Allstate Insurance | 813 Black River Blvd N | (315) 336-4040 |
| 9 | Better Fund Insurance | 255 Hill Rd | (516) 893-4317 |
| 10 | Dimaggio Insurance Agency | 200 E Garden St | (315) 336-8875 |
Stephanie Utter - State Farm Insurance Agent serves the Rome, New York metro area and the broader Oneida County region as a disability insurance agent. The agency helps individuals and professionals find policies that replace a portion of their income if an illness or injury prevents them from working. These short-term and long-term disability plans are designed to cover essential living expenses during recovery. Claim support and policy guidance are provided directly from the local office.
Freeway Insurance specializes in helping individuals secure disability income protection in Rome, New York. It also assists clients with understanding policy options that replace a portion of lost wages due to illness or injury. The agency works with local residents to evaluate coverage needs based on their occupation and lifestyle. During seasonal employment changes or after a major accident, it helps workers navigate potential benefit gaps to maintain financial stability.
Michael Collea - State Farm Insurance Agent in Rome, NY, provides a range of disability insurance services tailored to protect local workers from income loss due to injury or illness. Its plans help clients maintain financial stability by offering regular replacement income during recovery. The agent assists with policy selection and ongoing claims management to ensure continued coverage. These services are available for individuals who work at single-family homes, apartments, retail businesses, and restaurants in the Rome area.
For a short-term or ongoing need, Moore Insurance Group helps individuals secure coverage that protects their income if injury or illness prevents them from working. Serving Rome, NY, the agency assesses each client’s situation to explain how disability policies replace lost wages during recovery. Options may include short- or long-term plans tailored to personal budgets and professions. Consultations run on a one-time, scheduled, or as-needed basis to address changing life circumstances or policy updates.
The disability insurance agent company Antonowicz Group serves homeowners, businesses, and property managers in the Rome, NY, area. It helps clients evaluate their income protection needs and navigate short- and long-term disability policy options. The agency explains coverage details, benefit periods, and elimination periods for individual and group plans. Local professionals often seek guidance on coordinating this coverage with employer-provided benefits or existing income streams. The firm also works with residents and commercial clients throughout Oneida County, reaching as far as Utica for policy reviews and enrollment assistance.
Serving Rome, NY, and the surrounding communities in Oneida County, Steve Jarvis - State Farm Insurance Agent handles disability insurance policies designed to protect clients against loss of income due to injury or illness. The agency assists individuals in understanding the terms of short-term and long-term disability coverage. When working with a new client, it typically reviews the person’s current employment benefits and household income needs before comparing policy options.
Joseph Zullo: Allstate Insurance in Rome, NY provides disability insurance agent services, focusing on policies that replace a portion of income if illness or injury prevents work. The agency also assists clients in customizing coverage to protect financial stability during medical recovery. Working with individuals and families throughout the Rome area, it evaluates personal needs and occupational risks. Local clients often seek its guidance when facing seasonal hazards like winter slips or summer outdoor injuries that could lead to short- or long-term disability.
As the winter months in Rome, NY, bring an increased risk of slips and injuries, Alan I. Spindler: Allstate Insurance provides disability insurance coverage to protect local residents' income when they cannot work. This agent focuses on helping policyholders choose plans that offer financial stability during recovery from accidents or illness. The process begins with a thorough assessment of each client’s specific employment situation and needs.
Better Fund Insurance serves individuals and businesses in Rome, New York, focusing on protecting income through disability insurance policies. As a dedicated disability insurance agent, the company helps clients understand how a portion of their earnings can be replaced if an illness or injury prevents them from working. The firm specializes in tailoring coverage to specific workplace risks, ensuring policy details match the client's occupation and daily duties. Better Fund Insurance can assist workers in office environments, warehouses, and food service establishments with designing appropriate protection plans.
What Does a a Disability Insurance Agent in Rome Cost?
Disability insurance agent services in New York are typically commission-based meaning you do not pay a separate fee. The premium for a policy can range from 1% to 3% of your annual income. For a 50000 annual income a policy might cost 500 to 1500 per year. Costs vary based on age health occupation and benefit terms. This is general information not insurance advice.
About disability insurance agents in Rome
Disability insurance agents in Rome New York help individuals and businesses find coverage that protects income during illness or injury. New York State requires employers to provide short-term disability benefits through the Disability Benefits Law. A local agent can explain how this state program works alongside private long-term disability policies.
Frequently Asked Questions
What does a disability insurance agent in Rome do?
A disability insurance agent in Rome helps you compare policies from different insurers. They explain benefit amounts, elimination periods, and coverage terms. They do not provide legal advice or handle claims disputes.
How does New York disability law affect my policy?
New York has a Disability Benefits Law that requires most employers to provide temporary disability insurance. This covers off-the-job injuries and illnesses. A private policy can supplement these benefits for longer coverage.
Can a disability insurance agent help with a denied claim?
A disability insurance agent can review your policy and explain the claims process. However they cannot represent you in a dispute. For a denied claim you may need to contact a lawyer or the New York State Insurance Department.
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