The top-rated disability insurance agent in Middletown, Ohio is Crisp & Company Insurance, rated 5.0 stars across 151 reviews. Other highly rated options include Moon & Adrion Insurance Agency, Inc., Michael Schanne - State Farm Insurance Agent, Tammy Mann: Allstate Insurance. This directory lists 18 disability insurance agents serving Middletown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Crisp & Company Insurance | 4496 Marie Dr | (513) 433-3433 |
| 2 | Moon & Adrion Insurance Agency, Inc. | 180 N Breiel Blvd | (513) 422-4504 |
| 3 | Michael Schanne - State Farm Insurance Agent | 1547 S Breiel Blvd | (513) 424-1457 |
| 4 | Tammy Mann: Allstate Insurance | 1081 N University Blvd Ste A | (513) 423-5037 |
| 5 | Casper & Casper, LLC | 3735 S Dixie Hwy | (513) 424-2401 |
| 6 | Redding Ins | 110 N Breiel Blvd | (513) 424-2005 |
| 7 | Maddox Insurance Agency, LLC | 3246 Dixie Hwy Suite 1 | (513) 424-0966 |
| 8 | Jeff Mundy - State Farm Insurance Agent | 300 S Breiel Blvd | (513) 424-1102 |
| 9 | Phoenix Insurance Consultants | 1014 N University Blvd | (513) 424-5305 |
| 10 | Micheal Smith Insurance Agency | 1051 Summit Dr | (513) 422-5570 |
Crisp & Company Insurance serves the Middletown, Ohio area as a disability insurance agent. The company helps individuals and families in the region understand and secure income protection coverage for periods when an illness or injury prevents them from working. A disability insurance agent works with clients to review policy options that address temporary or long-term needs. Crisp & Company Insurance specifically assists local residents with both short-term disability policies, which cover a limited recovery period, and long-term disability policies, which provide protection for more extended absences from work.
Moon & Adrion Insurance Agency, Inc. provides disability insurance agent services to individuals and businesses in the Middletown, OH area, helping clients secure income protection policies against loss of earnings due to illness or injury. It assists with policy selection and maintenance, including periodic plan reviews to ensure coverage remains appropriate for changing needs and circumstances. The agency serves single-family homes, apartments, retail, and restaurants.
Homeowners and small business owners in Middletown, OH rely on Michael Schanne as a State Farm Insurance Agent for disability insurance coverage. This agent helps clients plan income protection policies that replace a portion of earnings if an injury or illness prevents them from working. Professional and individual policy options are discussed thoroughly during consultations. The office assists with both short-term and long-term disability solutions tailored to local employment needs. Service extends to surrounding communities such as Trenton and the greater Butler County metro area.
Tammy Mann: Allstate Insurance serves Middletown, OH, and the surrounding communities, handling disability insurance for local residents. This agency assists individuals with policies that provide income protection when illness or injury prevents them from working. By evaluating each client’s specific occupational risks and financial needs, it identifies appropriate coverage options through Allstate. The agency then clearly explains policy terms and claim procedures, guiding clients through enrollment to ensure they understand their benefits and how to use them.
In the Middletown area, disability insurance agents at Casper & Casper, LLC assist clients through both one-time policy consultations and recurring coverage reviews. They evaluate individual needs for income protection, helping to secure plans that replace lost wages during illness or injury. Their client-focused process emphasizes understanding each person’s occupation and financial situation to match them with an appropriate policy. Service is provided on an as‑needed basis, offering support when clients require policy adjustments, claims assistance, or new coverage evaluations.
As Middletown residents return to work after winter weather delays, unexpected injuries and long-term recovery can strain household budgets. Redding Ins understands how a sudden disability threatens steady income and financial obligations. The agent advises clients on disability insurance policies designed to replace lost wages during medical leave or rehabilitation. With coverage tailored around local employment patterns in manufacturing and healthcare, individuals can protect earnings while recovering. The process typically begins with a personal review of current income, existing benefits, and coverage gaps before any application is submitted.
Maddox Insurance Agency, LLC focuses on disability insurance, offering policies that replace income if an injury or illness prevents work. It assists clients throughout Middletown, OH with various coverage options. The agency analyzes individual employment situations and financial responsibilities to recommend a suitable benefit amount and elimination period. This planning addresses concerns like recovery from a planned surgery or a sudden illness, helping to maintain financial stability during the healing process. It helps clients prepare for the loss of income during seasonal construction slowdowns or winter weather interruptions.
Jeff Mundy - State Farm Insurance Agent in Middletown, OH, provides general insurance services with a focused specialty as a disability insurance agent. This role involves helping clients secure income protection in the event of an illness or injury that prevents them from working. The agent works with individuals and businesses to navigate coverage options that can safeguard financial stability. Commercial sectors served include offices, warehouses, and food service operations, where tailored disability plans help mitigate the risk of lost income during recovery periods.
Phoenix Insurance Consultants serves residential clients in Middletown, Ohio, helping them secure disability coverage that protects their income if illness or injury prevents work. The agency also assists local commercial clients, providing businesses with policies for key employees or group disability plans. Their service area extends throughout the Middletown region and surrounding Butler County communities. Clients often return for periodic policy reviews or to adjust coverage as their personal or professional circumstances change between regular scheduled visits.
Micheal Smith Insurance Agency in Middletown, OH, is known for helping individuals secure disability insurance coverage to protect their income. The agency works with clients to understand policy options, including short-term and long-term disability plans tailored to different professions and income levels. They focus on evaluating waiting periods, benefit amounts, and premiums to match financial needs. The company also offers additional riders, such as residual disability coverage, which protects partial income loss during a gradual return to work.
What Does a a Disability Insurance Agent in Middletown Cost?
Disability insurance agent services in Ohio typically do not charge a separate fee because agents earn commissions from the insurance company. Policy premiums vary based on age, health, and coverage amount. For example, a 40-year-old in Middletown might pay 1 to 3 percent of their annual income for a policy. Costs can differ significantly by case. This is general information, not insurance advice.
About disability insurance agents in Middletown
A disability insurance agent in Middletown, Ohio can help you understand policy options and file claims. Ohio law requires agents to be licensed by the Ohio Department of Insurance. Local agents can guide you through state-specific regulations and deadlines.
Frequently Asked Questions
What does a disability insurance agent in Middletown do?
A disability insurance agent helps you choose a policy and assists with claims. They explain Ohio insurance laws and ensure your application is complete. Agents do not provide legal advice or represent you in court.
How do I find a licensed disability insurance agent in Ohio?
You can search the Ohio Department of Insurance website for licensed agents in Middletown. Verify their license status before working with them. Agents must renew their license every two years under Ohio law.
What Ohio laws apply to disability insurance claims?
Ohio Revised Code Section 3923.04 governs disability insurance policies. Insurers must respond to claims within 30 days. If a claim is denied, you have the right to request a review within 60 days.
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