The top-rated disability insurance agent in Kettering, Ohio is Becki Taylor - State Farm Insurance Agent, rated 4.9 stars across 253 reviews. Other highly rated options include Eric Evans - State Farm Insurance Agent, Mindful Medicare Solutions- Robin Sisk, Ramos Ratliff Insurance Agency. This directory lists 14 disability insurance agents serving Kettering.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Becki Taylor - State Farm Insurance Agent | 215 E Stroop Rd | (937) 438-3400 |
| 2 | Eric Evans - State Farm Insurance Agent | 1649 E Stroop Rd | (937) 298-1011 |
| 3 | Mindful Medicare Solutions- Robin Sisk | 5540 Far Hills Ave | (937) 766-1965 |
| 4 | Ramos Ratliff Insurance Agency | 1389 E Stroop Rd | (937) 545-8183 |
| 5 | Rathweg Insurance Associates, Inc. | 2212 S Patterson Blvd | (937) 296-9393 |
| 6 | Robert K. Jones Insurance Agency, LTD. | 3809 Wilmington Pike #100 | (937) 294-2600 |
| 7 | Spectrum Insurance Agency | 1625 Springhill Ave | (937) 643-0081 |
| 8 | Walt Kremer Insurance | 4080 Marshall Rd | (937) 298-0105 |
| 9 | Simpkins-Dellis Insurance Agency | 3970 Shroyer Rd | (937) 294-2724 |
| 10 | The Medicare Connection | 424 E Stroop Rd | (937) 823-6093 |
Becki Taylor as a State Farm Insurance Agent serves clients in Kettering, OH, and the surrounding Montgomery County area, focusing on disability insurance agent services. This independent agency helps individuals and businesses assess their needs for income protection in case of injury or illness. Coverage options are explained clearly to help clients understand policy terms and benefit periods. Becki Taylor’s office also assists with short-term disability policies for temporary coverage needs. Long-term disability insurance solutions for extended income replacement are provided.
Eric Evans - State Farm Insurance Agent in Kettering, OH, provides individual and group disability insurance policies designed to replace income if a client becomes unable to work due to illness or injury. The agency offers initial consultations to assess coverage needs and ongoing policy reviews to adjust plans as life circumstances change. These services are available to single-family homeowners, renters, apartment dwellers, and owners of local retail shops and restaurants.
Individuals in the Kettering area seeking income protection for unexpected medical situations turn to Mindful Medicare Solutions- Robin Sisk. The agency provides guidance on disability insurance policies, helping clients evaluate options to replace income during extended health absences. Services focus on matching coverage to personal financial needs and employment circumstances. Personal consultations clarify policy terms, benefit durations, and elimination periods for effective planning. The firm also serves surrounding communities across the greater Dayton metro area.
Ramos Ratliff Insurance Agency serves Kettering, Ohio, and the surrounding Dayton-area communities. It handles disability insurance policies designed to replace a portion of a client’s income if they become unable to work due to illness or injury. The agency focuses on matching policy options to each individual’s profession and earnings. To manage a typical job, it first reviews the client’s current coverage and employment situation, then compares plan features from multiple carriers to recommend a tailored fit.
Rathweg Insurance Associates, Inc. distinguishes between policies covering a single illness or injury and ongoing income protection plans that continue long-term. The agency in Kettering, OH, works with local residents to find disability insurance coverage suited to their individual professions and potential health risks. Experienced agents review policy terms to ensure benefits align with a client’s financial responsibilities. This service is available on a one-time or scheduled consultation basis, depending on the client’s need for initial policy purchase or annual benefit review.
Robert K. Jones Insurance Agency, LTD. in Kettering, OH specializes in structuring long-term disability protection plans for professionals and self-employed individuals. It also reviews existing group policies and advises on supplemental coverage needs. Working with major insurers in the region, the agency helps clients understand elimination periods and benefit durations. As tax season approaches, it assists local business owners in adjusting their disability income protection before their annual filings are due.
Residents of Kettering often seek financial protection when a sudden illness or injury disrupts their ability to work. Spectrum Insurance Agency responds by guiding local professionals through the complexities of disability coverage to replace lost income. Their advisors explain policy waiting periods and benefit durations tailored to individual employment situations. Clients begin by scheduling a consultation to review their current earnings and occupational duties, which serves as the initial assessment step for crafting a suitable plan.
Walt Kremer Insurance works with individuals and businesses in Kettering, OH, to address income protection needs. Its specialty involves providing disability insurance agent services that help clients secure coverage for lost wages due to illness or injury. These policies are designed to support financial stability during periods when a person cannot perform their regular job duties. Commercial sectors such as local offices, small warehouses, and food service operations can benefit from tailored plans that meet varying occupational risk levels and payroll structures.
Serving residents of Kettering and surrounding neighborhoods, Simpkins-Dellis Insurance Agency offers disability insurance coverage tailored for individual households as well as local commercial businesses. As a dedicated disability insurance agent in the area, they help clients navigate policies that provide income protection if illness or injury prevents regular work. Between seasonal visits or annual policy reviews, the agency consistently follows up with clients to address any changes in their coverage needs or life circumstances.
What Does a a Disability Insurance Agent in Kettering Cost?
Disability insurance agent services in Ohio typically do not charge a separate fee because they earn commissions from the insurance company. Policy premiums vary widely based on age, health, occupation, and coverage amount. A typical monthly premium for an individual policy in Ohio ranges from 1% to 3% of your monthly income. This is general information, not insurance advice.
About disability insurance agents in Kettering
Disability insurance agents in Kettering, Ohio help individuals and businesses secure income protection policies. Ohio law requires agents to be licensed by the Ohio Department of Insurance. Local agents can guide you through policy options and claims processes specific to Ohio regulations.
Frequently Asked Questions
What does a disability insurance agent in Kettering do?
A disability insurance agent helps you find and purchase a policy that replaces income if you cannot work. They explain policy terms, compare carriers, and assist with applications. Ohio agents must follow state licensing and disclosure rules.
How do Ohio laws affect disability insurance claims?
Ohio has a statute of limitations for filing a disability insurance lawsuit, typically two years from the date of denial. Ohio also requires insurers to provide clear policy language and timely claim decisions. An agent can explain how these rules apply to your situation.
Can a Kettering agent help with an existing claim denial?
Yes, many agents offer guidance on claim denials and can refer you to resources for appeals. However, agents cannot provide legal advice. For complex denials, you may need to consult an attorney familiar with Ohio insurance law.
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