The top-rated disability insurance agent in Lexington, South Carolina is Farrell Insurance Agency, rated 5.0 stars across 226 reviews. Other highly rated options include Relation Insurance Services, Mauldin Insurance Group, Safe Harbor Insurance Advisors. This directory lists 20 disability insurance agents serving Lexington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farrell Insurance Agency | 237 Charter Oak Rd. | (803) 399-0200 |
| 2 | Relation Insurance Services | 5465 Sunset Blvd | (803) 808-2886 |
| 3 | Mauldin Insurance Group | 100 Old Cherokee Rd Ste F #167 | (843) 509-2462 |
| 4 | Safe Harbor Insurance Advisors | 201 W Main St | (803) 386-1885 |
| 5 | Alan Gardner Insurance | 603 Columbia Ave | (803) 732-5425 |
| 6 | HealthMarkets Insurance Agency: Jeff Howle | 109 Old Chapin Rd STE E | (803) 678-9808 |
| 7 | Kuhn Insurance Group | 510 E Main St | (803) 636-2214 |
| 8 | Carolina Insurance Group | 141 Charter Oak Rd. | (803) 951-3351 |
| 9 | Palmetto State Insurance | 1720 N Lake Dr | (803) 785-7742 |
| 10 | Insurit Insurance Agency, LLC Dba Conley Insurance Group | 201 W Main St Suite D-1 | (803) 755-0543 |
Farrell Insurance Agency serves the Lexington, South Carolina area as a disability insurance agent. The company helps clients understand and select coverage that replaces a portion of income if an illness or injury prevents them from working. Policies are designed to protect both individuals and their households from financial hardship during recovery periods. The agency can assist with short-term disability plans, which offer temporary benefits, as well as long-term disability policies for extended protection.
Relation Insurance Services in Lexington, SC, provides a range of disability insurance agent services, helping individuals and businesses secure income protection policies. The company works to assist clients in understanding plan options and the application process. Ongoing support and policy reviews are offered to help maintain coverage that aligns with changing needs or circumstances. These general services apply to various properties and operations that its clients protect, including single-family homes, apartments, retail locations, and restaurants.
Mauldin Insurance Group serves the Lexington, South Carolina area and surrounding communities, offering guidance on disability insurance agent services for individuals and professionals. It handles various disability coverage needs, helping clients understand policy options and income protection plans suited to their circumstances. The company typically assesses each client’s occupational risks and financial obligations, then recommends suitable coverage from available insurers.
Safe Harbor Insurance Advisors serves homeowners, local business owners, and professionals in Lexington, South Carolina, who need protection against income loss due to illness or injury. The agency provides guidance on individual short-term and long-term disability policies designed to replace a portion of lost earnings. It also assists clients with employer-sponsored coverage options. Located in Lexington, the agency additionally serves the broader Columbia metro area, including the communities of Irmo and Chapin.
Residents of the Lexington, SC area can choose between one-time policy reviews and recurring annual consultations when working with Alan Gardner Insurance. This disability insurance agent helps clients understand both short-term and long-term coverage options tailored to individual needs. Disabling conditions are outlined so applicants can see how benefits replace lost income during recovery or permanent impairment. Support extends from initial enrollment through filing a claim. Services are scheduled on an as-needed basis according to each client’s changing financial situation and policy requirements.
HealthMarkets Insurance Agency: Jeff Howle offers specialized disability insurance services in Lexington, SC, helping individuals protect their income in the event of a serious illness or injury. The agency works with clients to understand policy options that replace lost wages during recovery. It supports local professionals and self-employed residents in maintaining financial stability. This service is particularly valuable when planning for the potential disruption caused by an unexpected seasonal accident or a temporary health condition.
In the Midlands, long-term illness or sudden injury can disrupt a household’s finances, and Kuhn Insurance Group helps Lexington families address that risk by guiding them through disability coverage options. Their agent focuses on explaining how benefits replace income during recovery, making the insurance decision a practical protection for local earning power. New clients begin with a simple office or phone consultation to review current coverage and calculate their needs before any plan is formally presented.
Carolina Insurance Group is a disability insurance agent based in Lexington, South Carolina. It helps individuals and businesses secure income protection policies designed to replace lost earnings due to illness or injury. The agency also offers specialized coverage for long-term disability needs and short-term disability gaps. Its services can assist a variety of commercial sectors, including office environments, warehouses, and food service operations.
What Does a a Disability Insurance Agent in Lexington Cost?
Disability insurance premiums in South Carolina typically range from 1% to 3% of your annual income. For a 35-year-old professional earning $60,000 per year, a policy might cost between $50 and $150 per month. Costs vary based on age, health, occupation, and benefit amount. This is general information, not insurance advice.
About disability insurance agents in Lexington
A disability insurance agent in Lexington, South Carolina can help you find a policy that protects your income if you become unable to work. South Carolina follows the Employee Retirement Income Security Act (ERISA) for group disability plans, which sets strict deadlines for filing claims and appeals. Local agents understand how these federal rules interact with state laws, such as South Carolina Code Section 38-63-70 which requires insurers to respond to claims within 15 days.
Frequently Asked Questions
What does a disability insurance agent in Lexington do?
A disability insurance agent helps you compare policies from different carriers and choose coverage that fits your occupation and income. They can also assist with understanding policy terms like elimination periods and benefit durations. Agents do not provide legal advice but can explain how South Carolina laws affect your policy.
How long do I have to file a disability claim in South Carolina?
For group disability plans under ERISA, you typically have 180 days from the date of disability to file a claim. Individual policies may have different deadlines, often 30 to 90 days. An agent can help you review your policy language to ensure you meet all time limits.
Are disability insurance premiums tax deductible in South Carolina?
If you pay premiums with after-tax dollars, your benefits are generally tax-free. If your employer pays the premiums, benefits are usually taxable as income. South Carolina follows federal tax rules for this distinction. An agent can explain how this applies to your situation.
Disability Insurance Agents in Other South Carolina Cities
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