The top-rated disability insurance agent in Parma, Ohio is Melissa Citovic-Vukotic - State Farm Insurance Agent, rated 4.9 stars across 273 reviews. Other highly rated options include The Four Star Insurance Agency, Vince Hrobat Insurance Agency, Capretta Insurance Agency Inc.. This directory lists 16 disability insurance agents serving Parma.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Melissa Citovic-Vukotic - State Farm Insurance Agent | 7513 York Rd | (440) 884-4200 |
| 2 | The Four Star Insurance Agency | 5835 Pearl Rd | (440) 882-2000 |
| 3 | Vince Hrobat Insurance Agency | 7252 Broadview Rd | (216) 524-2007 |
| 4 | Capretta Insurance Agency Inc. | 5689 Pearl Rd | (440) 888-3113 |
| 5 | Marisella Rios Weible - HealthMarkets Insurance- Parma | 5925 Ridge Rd #2 | (440) 499-7840 |
| 6 | Bassett Insurance Agency: Allstate Insurance | 7380 York Rd | (440) 888-1600 |
| 7 | Robert Taylor Insurance (Parma Office) | 12000 Snow Rd Ste 13 | (440) 277-5191 |
| 8 | Universal Insurance Company Inc. | 8015 Bertha Ave | (440) 884-2530 |
| 9 | Hixson & Malinowski Insurance Agency | 5530 State Rd Unit 1 | (216) 252-0100 |
| 10 | The Liberty Company Insurance Brokers (Formerly Nationwide Insurance: Sam J Saraniti Clu) | 12000 Snow Rd Ste 13 | (440) 809-2900 |
Melissa Citovic-Vukotic - State Farm Insurance Agent serves the Parma, Ohio, area and surrounding Cuyahoga County communities, specializing in disability insurance protection. This agency helps local residents understand how coverage can replace a portion of lost income if an illness or injury prevents them from working. The agent assists clients in selecting appropriate policy options suited to individual budgets and career needs. They handle both short-term and long-term disability insurance plans.
The Four Star Insurance Agency provides comprehensive disability insurance agent services throughout Parma, Ohio. It assists clients in evaluating and securing income protection solutions tailored to individual needs. The company offers ongoing policy reviews and claims support to help maintain coverage over time. It works with individuals and business owners seeking financial security during periods of disability. Its client base includes professionals, tradespeople, and small business operators from single-family homes, apartments, retail establishments, and local restaurants.
Vince Hrobat Insurance Agency serves homeowners, businesses, and property managers in Parma, Ohio, who need disability insurance to protect their income. The agency works with clients to understand their occupation and income level, then identifies appropriate disability coverage options. It helps navigate policy details such as benefit periods, elimination periods, and own-occupation definitions to secure meaningful protection. Residents in neighboring communities like Seven Hills and the greater Cleveland metro area also have access to these services.
Capretta Insurance Agency Inc. serves Parma, Ohio, and the surrounding communities. The company handles disability insurance, which provides income protection if a client cannot work due to illness or injury. This type of coverage helps replace a portion of lost wages during a recovery period. In a typical job, it begins by reviewing a client’s occupation and current income to assess their specific risk. It then outlines suitable policy options to meet that individual’s financial needs.
Marisella Rios Weible - HealthMarkets Insurance in Parma specializes in helping clients secure disability income protection. Its general work involves assessing individual coverage needs and explaining policy options to safeguard earnings. The agency serves local professionals, business owners, and wage earners in the Parma area. For those facing health changes or upcoming surgeries that could affect insurability, it is particularly valuable to explore disability coverage beforehand.
Bassett Insurance Agency: Allstate Insurance in Parma, OH provides disability insurance solutions through both one-time policy purchases and recurring premium payment plans, enabling clients to secure steady income replacement if an illness or injury prevents work. Coverage options are designed to protect a portion of earnings during disability periods. Agents assist with plan selection tailored to individual needs and ongoing policy management. Service runs on either a one-time basis for initial policy setup or recurring scheduled appointments for annual plan reviews and claim assistance.
As the season changes and families in Parma, Ohio, reevaluate their financial safeguards, the issue of protecting income becomes pressing due to unexpected illnesses or injuries. Robert Taylor Insurance (Parma Office) offers disability insurance agent services designed to help local workers replace a portion of earnings if they cannot perform their job duties. The agency reviews each client’s occupation, current benefits, and monthly obligations to recommend an appropriate policy. After discussing plan options, the agent arranges a thorough initial phone or in-person meeting to assess the client's specific coverage needs.
Universal Insurance Company Inc. provides disability insurance agent services to residents in the Parma, Ohio area. For individual clients, the company assists with policies that replace income when an illness or injury prevents work. Commercial coverage is also available for local businesses seeking to protect their employees and operations. The agency serves clients throughout greater Parma and the surrounding communities. After helping a customer select a suitable plan, the team offers ongoing follow-up and repeat service to adjust coverage between regular annual visits as needs change.
Based in Parma, Ohio, Hixson & Malinowski Insurance Agency works with individuals to secure financial protection against lost income due to injury or illness. The firm specializes in disability insurance agent services, helping clients evaluate policy options that replace a portion of earnings during periods of disability. It serves local businesses and professionals in surrounding communities, including those operating out of offices, warehouses, and food service establishments.
The Liberty Company Insurance Brokers in Parma, Ohio, distinguishes between one-time policy review appointments and recurring service visits for existing disability income plans. As a Disability Insurance Agent, the firm provides coverage options designed to replace a portion of lost earnings when a client cannot work due to illness or injury. Policy specifics, such as elimination periods and benefit durations, are tailored to individual circumstances during consultations. Service appointments run on either a one-time initial basis or recurring schedule, with additional visits available as needed.
What Does a a Disability Insurance Agent in Parma Cost?
Disability insurance premiums in Ohio typically range from 1 to 3 percent of your annual income. For a 50 thousand dollar annual income a policy might cost between 500 and 1500 dollars per year. Costs depend on your age health occupation and the benefit amount. This is general information and not insurance advice.
About disability insurance agents in Parma
Disability insurance agents in Parma Ohio help residents protect their income if they cannot work due to illness or injury. Ohio law does not require employers to provide disability insurance so many workers purchase individual policies. Agents can explain how Ohio short term and long term disability plans differ from state mandated programs like workers compensation.
Frequently Asked Questions
What does a disability insurance agent in Parma do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit periods elimination periods and coverage limits. They also help you understand how Ohio law affects your policy such as the coordination with Social Security disability benefits.
How do Ohio disability insurance laws affect my policy?
Ohio follows an own occupation definition for some policies meaning you qualify if you cannot perform your specific job. Ohio also has a statute of limitations for filing a disability claim which is generally 15 years for written contracts. Your agent can explain how these rules apply to your situation.
Can I get disability insurance if I am self employed in Parma?
Yes self employed individuals in Parma can purchase individual disability insurance policies. Agents can help you find plans that cover your specific occupation. Ohio does not have a state paid family leave program so private coverage is important for self employed workers.
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