The top-rated disability insurance agent in Charleston, South Carolina is Harrell Insurance Agency, rated 4.9 stars across 266 reviews. Other highly rated options include Pilothouse Insurance, C. T. Lowndes & Company, Taylor Agency. This directory lists 17 disability insurance agents serving Charleston.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Harrell Insurance Agency | 2000 Sam Rittenberg Blvd #124 | (843) 572-1500 |
| 2 | Pilothouse Insurance | 1527 Sam Rittenberg Blvd | (843) 766-1318 |
| 3 | C. T. Lowndes & Company | 749 St Andrews Blvd | (843) 763-0120 |
| 4 | Taylor Agency | 147 Wappoo Creek Dr #502 | (843) 762-1805 |
| 5 | Coastal Senior Benefits | 22 Westedge St Suite 700 | (843) 588-1842 |
| 6 | A & A Insurance | 1525 Sam Rittenberg Blvd | (843) 571-5060 |
| 7 | Covenant Insurance Group LLC | 1032 Savannah Hwy | (843) 795-0189 |
| 8 | Health Insurance Solutions | 6650 Rivers Ave | (843) 364-9155 |
| 9 | Bridge Insurance | 7 Gamecock Ave Suite 706 | (843) 974-5150 |
| 10 | Anderson Insurance Associates | 3491 Shelby Ray Ct | (843) 763-7525 |
Harrell Insurance Agency serves clients throughout the Charleston, South Carolina metro area and the surrounding county as a disability insurance agent. The firm assists individuals and small business owners in evaluating their income protection needs. Coverage options include short-term disability policies that replace a portion of lost wages during temporary illness or injury. The agency also handles long-term disability insurance plans designed for more extended periods of inability to work.
Pilothouse Insurance serves individuals and businesses in Charleston, SC, by guiding them through the process of selecting disability income protection policies. The agent provides ongoing policy reviews to help ensure coverage remains aligned with changing employment and financial circumstances. These reviews assist clients in understanding policy updates and benefit adjustments. Its services primarily support professionals, single-family homeowners, and other private individuals seeking personal income security. The agency also works with local small businesses, apartment management firms, retail store owners, and restaurant operators to evaluate group disability options for their employees.
Homeowners, small business owners, and property managers throughout Mt Pleasant, SC rely on C. T. Lowndes & Company for guidance on disability insurance. The agency assists clients in understanding policy options that protect income against unexpected medical events. Navigating the local insurance market, it provides clear explanations of coverage terms and application procedures. This service extends beyond Mt Pleasant to cover neighboring communities in the greater Charleston metro area.
Homeowners, businesses, and property managers in Charleston, SC rely on Taylor Agency for disability insurance agent services. The company helps local professionals secure income protection policies designed to cover lost wages from illness or injury. Clients can expect personalized guidance when comparing short-term and long-term disability plans to match their needs. This agency also serves policyholders in the surrounding communities of Mount Pleasant, offering the same careful consultation to residents across the greater Charleston metro area.
Coastal Senior Benefits in Charleston offers both one-time consultations for a single disability insurance policy review and recurring service options for clients who need ongoing coverage adjustments. As a disability insurance agent, the company helps individuals understand policy terms, waiting periods, and benefit amounts to fit their financial planning needs. Service runs on an as-needed basis, allowing clients to schedule appointments only when a life change or policy question arises.
A & A Insurance serves the city of Charleston and its surrounding communities, providing guidance on disability insurance options to local residents and professionals. The firm handles individual policies that replace a portion of lost income if a client becomes unable to work due to illness or injury. It also assists business owners with group plans designed to protect their employees and operations. To handle a typical job, the agent begins by reviewing the client’s current occupation and monthly expenses, then recommends a suitable coverage amount and waiting period.
Covenant Insurance Group LLC provides disability insurance services for individuals in Charleston, SC, focusing on policies that replace a portion of income if injury or illness prevents work. The agency helps clients assess their coverage needs, compare plan options from various carriers, and navigate application requirements to secure appropriate protection. Whether addressing short-term recovery from surgery or preparing for long-term absence due to chronic conditions, this agent assists residents with ensuring financial stability during unexpected time away from employment.
As coastal South Carolina residents prepare for hurricane season, many families begin reviewing their financial safety nets. Health Insurance Solutions in Charleston helps individuals understand how disability insurance can protect their income if a serious illness or injury prevents them from working. The agency explains policy options that replace a portion of lost wages during recovery, ensuring household bills still get paid. Prospective clients can schedule an initial consultation to review their current coverage gaps and explore personalized disability protection strategies.
Bridge Insurance in Charleston, SC works with individuals and businesses to coordinate disability insurance protections that help replace lost income during illness or injury. The agency offers supplemental coverage options tailored to fit different professional needs and budgets. Its agents assess each client's specific risk factors and employment situation to recommend appropriate policy terms. Commercial clients served include offices requiring key-person coverage, warehouses seeking group disability plans, and food service operations needing worker income protection.
Anderson Insurance Associates serves residential disability insurance clients in Charleston, providing policies designed to replace income due to illness or injury. Commercial coverage is also available, protecting local small business owners against financial loss from key-employee disability. Their service area spans the greater Charleston region, ensuring accessibility for both families and companies. After a policy is issued, the agent follows up on any claims questions and assists with plan adjustments needed between regular visits.
What Does a a Disability Insurance Agent in Charleston Cost?
The cost of disability insurance in South Carolina varies based on age health occupation and benefit amount. Typical premiums range from 1% to 3% of your annual income. For a 40-year-old earning $60,000 per year a policy might cost between $50 and $150 per month. Costs are higher for high-risk jobs and lower for healthy individuals in low-risk roles. This is general information and not insurance advice.
About disability insurance agents in Charleston
Disability insurance agents in Charleston South Carolina help individuals and businesses protect their income. South Carolina law does not require private disability insurance but many employers offer group plans. Agents can guide you through policy options and explain how state laws like the 180-day elimination period for some benefits may apply.
Frequently Asked Questions
What does a disability insurance agent in Charleston do?
A disability insurance agent helps you find a policy that covers lost income if you cannot work due to illness or injury. They explain policy terms such as benefit amounts and waiting periods. In South Carolina agents can also help you understand how state law affects your coverage.
How long does it take to get disability benefits in South Carolina?
Private disability insurance claims typically have a waiting period of 30 to 180 days before benefits start. South Carolina law does not set a specific time limit for private insurers to decide claims but most respond within 45 days. If you are applying for Social Security Disability Insurance the process often takes 3 to 6 months.
Are disability insurance premiums tax deductible in South Carolina?
Premiums paid by an individual for personal disability insurance are generally not tax deductible. If your employer pays the premiums and you receive benefits those benefits are usually taxable. South Carolina follows federal tax rules for disability insurance so consult a tax professional for your situation.
Disability Insurance Agents in Other South Carolina Cities
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