The top-rated disability insurance agent in Troy, New York is Mick Butler - State Farm Insurance Agent, rated 4.9 stars across 262 reviews. Other highly rated options include Kelly McGrath - State Farm Insurance Agent, Attanasio Agency, LLC, John Loughlin - State Farm Insurance Agent. This directory lists 14 disability insurance agents serving Troy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mick Butler - State Farm Insurance Agent | 961 Hoosick Rd | (518) 237-6425 |
| 2 | Kelly McGrath - State Farm Insurance Agent | 233 N Greenbush Rd | (518) 272-7000 |
| 3 | Attanasio Agency, LLC | 235 Pawling Ave | (518) 266-0311 |
| 4 | John Loughlin - State Farm Insurance Agent | 160 Oakwood Ave | (518) 266-9965 |
| 5 | Culnan Insurance Agency LLC | 16C N Greenbush Rd | (518) 326-1191 |
| 6 | Wm. J. Fagan & Sons, Inc | 15 1st St | (518) 272-3471 |
| 7 | Met Life | 500 Jordan Rd | (518) 691-0764 |
| 8 | Brundige Insurance Agency | 8 Grange Rd | (518) 279-1940 |
| 9 | Insurance Depot | 639 Pawling Ave | (518) 279-1190 |
| 10 | De Genero Insurance | 225 N Greenbush Rd | (518) 283-1164 |
Mick Butler - State Farm Insurance Agent serves the Troy, New York area and the surrounding Rensselaer County region. The agency provides disability insurance solutions for local individuals and small business owners. This includes helping clients understand policy options that replace a portion of their income if they become unable to work due to illness or injury. The agency handles short-term and long-term disability insurance, guiding clients through the selection and application process for coverage tailored to their specific financial needs.
Kelly McGrath - State Farm Insurance Agent in Troy, NY, provides disability income protection planning and policy management for local residents. The office assists clients with initial coverage selection and offers ongoing support for claims filing, policy adjustments, and benefit inquiries. Regular reviews help ensure coverage remains aligned with changing professional or personal circumstances. The agent serves individuals within single-family homes and apartments, as well as small business owners operating retail establishments and restaurants throughout the Troy area.
Homeowners and small business owners in Troy, New York turn to Attanasio Agency, LLC for disability insurance agent services. This agency helps local clients understand options for income protection during illness or injury. The office assists with policy comparisons to find coverage that fits personal budgets. Residents seeking tailored solutions can discuss their specific financial needs with a knowledgeable agent. The agency also serves clients throughout the Albany metro area and neighboring communities like Watervliet.
Serving Troy, New York, and the surrounding communities, John Loughlin - State Farm Insurance Agent provides disability insurance agent services. The office handles applications for individual disability income policies designed to replace a portion of lost wages if injury or illness prevents work. It also manages policy renewals and assists clients with claims documentation to ensure coverage terms are followed. For a typical job, the agent reviews the client's current occupation and earnings to match coverage limits, then presents plan options and explains the policy's elimination period and benefit duration.
Culnan Insurance Agency LLC in Troy, NY distinguishes between a one-time policy purchase and ongoing coverage management. Their work focuses on helping clients secure disability insurance to protect income against unexpected illness or injury. This agent assesses individual needs and guides applicants through available policy options within the region. The service runs on either a one-time or scheduled basis, depending on the client’s preference for periodic policy reviews or a single enrollment consultation.
Specializing in disability income protection, Wm. J. Fagan & Sons, Inc serves clients in Troy, NY by assessing individual coverage needs. It assists local professionals in structuring policies that replace a portion of lost earnings due to illness or injury. The agency provides guidance on rider options and policy terms to align with personal financial situations. As open enrollment periods approach in the late fall, the firm also helps self-employed and small business owners evaluate their disability protection before coverage changes take effect.
As the leaves turn and autumn settles over the Capital Region, many Troy residents begin reviewing their financial protections against unexpected illnesses or injuries. Met Life serves as a disability insurance agent by guiding local professionals and small business owners through the process of securing income-replacement coverage. Their team helps clients assess how various policy options might bridge the gap during a recovery period. A typical first step involves a thorough review of existing coverage and a discussion of personal risk factors during an initial consultation.
Based in Troy, NY, Brundige Insurance Agency works with individuals and businesses to address financial risk through tailored coverage. The agency specializes in disability insurance, focusing on income protection when injury or illness prevents work for extended periods. Clients are served by a process that explains policy terms and assists with claims. Coverage options can help maintain household finances and operational stability. The agency serves commercial sectors including offices, warehouses, and food service operations.
Insurance Depot assists residents in Troy, New York, with their disability insurance needs, helping to protect personal income when illness or injury prevents work. The agency also serves local businesses by arranging commercial disability coverage to safeguard employer-sponsored benefit plans. Operating throughout the Troy area, the agency guides clients through policy selection and claims preparation. After each claim or policy review, the office schedules a follow-up consultation to ensure coverage remains appropriate between regular visits.
De Genero Insurance in Troy, NY is known for assisting clients in securing disability income protection as part of a broader financial safety net. The agency serves individuals and professionals seeking coverage when illness or injury prevents work. Its staff reviews policy terms to match local employment risks, helping ensure wage replacement aligns with specific career demands. The office can also arrange riders that adjust benefits for cost-of-living increases.
What Does a a Disability Insurance Agent in Troy Cost?
Disability insurance premiums in New York vary based on age, health, occupation, and benefit amount. Typical individual policies cost between 1% and 3% of your annual income. For example, a 35-year-old in a low-risk job might pay $50 to $150 per month for a policy with a $3,000 monthly benefit. Employer-provided statutory disability benefits are funded through payroll deductions. This is general information and not insurance advice.
About disability insurance agents in Troy
Disability insurance agents in Troy New York help individuals and businesses secure income protection policies. New York state law requires certain employers to provide statutory disability benefits through the Disability Benefits Law. A local agent can guide you through group plans and individual policies that meet your needs.
Frequently Asked Questions
What does a disability insurance agent in Troy do?
A disability insurance agent helps you compare policies from different carriers. They explain coverage options and assist with applications. Agents do not provide legal advice but can clarify policy terms.
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. This covers off-the-job injuries and illnesses. Individual long-term disability policies are optional.
How do I choose a disability insurance agent in Troy?
Look for an agent licensed in New York with experience in disability coverage. Ask about their familiarity with New York state regulations. Check their reputation with local clients.
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