The top-rated disability insurance agent in Vestal, New York is Kris Yelverton - State Farm Insurance Agent, rated 4.8 stars across 175 reviews. Other highly rated options include Kyle Murray at Comparion Insurance Agency, Empire Insurance Agency, Timothy Grassi at Comparion Insurance Agency. This directory lists 16 disability insurance agents serving Vestal.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kris Yelverton - State Farm Insurance Agent | 109 Rano Blvd | (607) 798-8846 |
| 2 | Kyle Murray at Comparion Insurance Agency | 3951 Vestal Pkwy E | (607) 251-7265 |
| 3 | Empire Insurance Agency | 4100 Vestal Rd #102 | (607) 724-0404 |
| 4 | Timothy Grassi at Comparion Insurance Agency | 3951 Vestal Pkwy E | (607) 251-7269 |
| 5 | Dean Hurley - State Farm Insurance Agent | 208 N Jensen Rd | (607) 231-3131 |
| 6 | Comparion Insurance Agency | 3951 Vestal Pkwy E | (607) 797-7587 |
| 7 | Kolcun Insurance Agency, Inc. | 144 N Jensen Rd | (607) 763-1111 |
| 8 | Alivia Myers at Comparion Insurance Agency | 3951 Vestal Pkwy E | (607) 251-7267 |
| 9 | Benedict Diaz: Allstate Insurance | Vestal, NY 13850 | (607) 772-9122 |
| 10 | Farmers Insurance - Melissa Lantz | 3321 Vestal Pkwy E | (607) 723-2386 |
Kris Yelverton - State Farm Insurance Agent serves the Vestal area of Broome County, New York. The agency focuses on helping eligible residents secure disability insurance coverage. Representatives work with clients to clarify how a disability policy can replace a portion of lost income after an illness or injury. Their office assists with short-term plans that provide benefits for a limited period and longer-term policies that extend protection for years. Policy options include coverage for occupation-specific needs and those tailored for self-employed individuals.
Kyle Murray at Comparion Insurance Agency offers a range of disability insurance services in the Vestal, NY area, helping clients secure income protection plans. The agency provides regular policy reviews and claim support to maintain coverage that meets changing needs. Income protection planning includes analysis of occupation-specific risks and benefits. Kyle Murray serves individual professionals, small business owners, and local employers. The agency services single-family homes, apartments, retail establishments, and restaurants within the greater Vestal region.
Empire Insurance Agency serves local homeowners, businesses, and property managers in Vestal, NY, by helping them select disability insurance policies that replace lost income during illness or injury. The agency guides clients through policy options designed for individual needs and existing coverage gaps. These services assist clients in protecting their financial stability when they cannot work due to a medical condition. Empire Insurance Agency also extends its disability insurance support to residents and businesses in nearby Endicott and the greater Binghamton metro area.
Serving Vestal, New York, and the surrounding Broome County communities, Timothy Grassi at Comparion Insurance Agency handles disability insurance policies for local residents. It assists individuals with applications that protect income during illness or injury. The agency reviews clients’ employment details and medical histories to recommend appropriate coverage options. In handling a typical case, it explains policy terms clearly and guides clients through the necessary documentation to secure their benefits.
Dean Hurley - State Farm Insurance Agent in Vestal, NY, provides disability insurance for local residents. Customers may choose between one-time policy purchases or recurring coverage plans that continue with premium payments. These policies offer income protection if an illness or injury prevents the insured from working. The agent assists clients in selecting appropriate benefits based on their employment and financial needs. Service appointments in Vestal are available on a scheduled basis, with options for periodic policy reviews or as-needed consultations when circumstances change.
Comparion Insurance Agency provides a full range of disability insurance services for clients in Vestal, New York, including policy selection and application assistance. Its service plans involve evaluating individual coverage needs, comparing plan options from various carriers, and managing ongoing policy renewals and adjustments. The company also helps clients navigate claim filing procedures when necessary. Supported properties include single-family homes, apartments, retail locations, and restaurants.
Kolcun Insurance Agency, Inc. specializes in disability insurance solutions for professionals and individuals in the Vestal area. The agency evaluates clients' income protection needs and assists with policy selection from various carriers. It serves working residents, independent contractors, and small business owners who require coverage for illness or injury. The agency can help clients review their existing plans during open enrollment periods or when career changes create new coverage gaps.
As the seasons change in Vestal, many workers consider how an unexpected illness or injury could affect their household income. Alivia Myers at Comparion Insurance Agency helps local professionals explore disability insurance options tailored to their specific employment situations. They guide clients through various policy features designed to replace a portion of earnings during a recovery period. Coverage consultations typically begin with a review of an individual’s current employer benefits and financial obligations to assess potential gaps. An initial discussion helps determine the appropriate next steps for coverage evaluation.
Benedict Diaz: Allstate Insurance serves homeowners, renters, and local business owners in Vestal, New York, who require disability income protection. The agency assists clients in evaluating policies that replace a portion of lost earnings during a qualifying illness or injury. Guidance is provided on the specific coverage options and benefit periods that fit individual needs and budgets. This office also works with property managers managing rental risks in the area. Service extends to the nearby community of Endwell for additional client support and consultations.
Farmers Insurance - Melissa Lantz provides insurance services to individuals and businesses in Vestal, New York, with a specialty in disability insurance. The agency helps clients secure coverage that replaces a portion of income if an injury or illness prevents them from working. This protection is designed to support financial stability during recovery periods. For businesses, disability policies can help maintain operations and employee retention. The agency serves local commercial sectors such as offices, warehouses, and food service establishments.
What Does a a Disability Insurance Agent in Vestal Cost?
Typical costs for disability insurance in New York range from 1% to 3% of annual income for short-term policies and 2% to 5% for long-term policies. For a person earning $50,000 per year, a long-term policy may cost between $1,000 and $2,500 annually. Costs vary based on age, health, occupation, and benefit terms. This is general information, not insurance advice.
About disability insurance agents in Vestal
Disability insurance agents in Vestal, New York help individuals and small business owners find coverage that protects income during illness or injury. New York law requires certain employers to provide statutory short-term disability benefits through the New York State Disability Benefits Law. A local agent can explain how private policies supplement state-mandated coverage and guide you through the claims process.
Frequently Asked Questions
What does a disability insurance agent in Vestal do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your needs. They explain policy terms, such as elimination periods and benefit amounts. In New York, agents must be licensed by the state Department of Financial Services.
How does New York law affect disability insurance?
New York requires most employers to provide short-term disability benefits under the Disability Benefits Law. This covers off-the-job injuries and illnesses for a limited time. Private disability insurance can extend coverage beyond these state minimums.
What should I ask a disability insurance agent before buying a policy?
Ask about the definition of disability used in the policy, the waiting period before benefits start, and how long benefits last. Also ask if the policy is guaranteed renewable and if it covers partial disability. An agent can explain how these terms apply under New York regulations.
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