The top-rated disability insurance agent in Baytown, Texas is Jenny Montes - State Farm Insurance Agent, rated 5.0 stars across 766 reviews. Other highly rated options include Freeway Insurance, Randy Casey - State Farm Insurance Agent, Trevco Insurance Agency. This directory lists 21 disability insurance agents serving Baytown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jenny Montes - State Farm Insurance Agent | 706 E Cedar Bayou Lynchburg Rd | (281) 839-2717 |
| 2 | Freeway Insurance | 1248 Garth Rd Ste E | (832) 241-5213 |
| 3 | Randy Casey - State Farm Insurance Agent | 4406 N Main St | (281) 421-2244 |
| 4 | Trevco Insurance Agency | 411 N Alexander Dr | (281) 427-9063 |
| 5 | Ed Martinez: Allstate Insurance | 700 Rollingbrook Dr ste f | (281) 422-2282 |
| 6 | Farmers Insurance - Chad Merling | 5523 W Rd | (281) 421-3699 |
| 7 | Harris County Insurance Center - Baytown, Texas | 608 Rollingbrook Dr | (281) 427-6511 |
| 8 | Farmers Insurance - Maribel Castillo | 5702 Garth Rd Ste 200 | (281) 839-7139 |
| 9 | TWFG Ratliff Insurance | 501 W Texas Ave | (281) 427-9461 |
| 10 | Goosehead Insurance - Ashley Taylor | 6002 FM 3180 Rd SUITE 280 | (281) 738-1030 |
Jenny Montes - State Farm Insurance Agent serves the Baytown, Texas, area as a provider of disability insurance plans. This business helps local residents and workers secure income protection policies that replace a portion of their earnings if an injury or illness prevents them from performing their job duties. Short-term and long-term plans are available, each designed to cover different waiting periods and benefit durations. The agency also assists clients in comparing policy features like maximum monthly benefits and elimination periods.
Freeway Insurance serves Baytown, Texas, and the surrounding communities in the region. The agency handles applications for disability insurance, helping individuals secure income replacement policies for illness or injury. It works with clients to understand their coverage needs based on occupation and lifestyle factors. The company assesses each case by reviewing medical and occupational details to match policy benefits with the client’s specific risk profile. This involves comparing plan options and processing paperwork through standard underwriting procedures to secure the agreed policy.
Randy Casey - State Farm Insurance Agent in Baytown, TX, offers disability insurance policies that provide income replacement if an injury or illness prevents a client from working. The agency helps individuals and businesses evaluate different coverage options, including short-term and long-term disability plans, to match specific financial needs. Regular policy reviews are encouraged to ensure benefits keep pace with changes in income or lifestyle. The agency serves households in single-family homes, residents of apartment complexes, and commercial clients operating retail stores or restaurants.
Homeowners and business owners in Baytown, Texas turn to Trevco Insurance Agency for disability insurance agent services. The agency helps clients navigate policy options that replace a portion of income if they become unable to work due to illness or injury. These customized income-protection plans are designed to cover essential living and operational expenses during a period of disability. Trevco also provides coverage guidance for those residing in surrounding Harris County communities, including the nearby areas of La Porte and Channelview.
Serving clients in Baytown, Texas, and the surrounding communities of the Houston metropolitan area, Ed Martinez: Allstate Insurance handles disability insurance needs for local professionals and families. The agency focuses on helping individuals understand how disability coverage can protect their income during unexpected illness or injury. The general approach used to handle a typical job includes reviewing a client’s current financial situation, explaining policy options in clear terms, and ensuring the chosen plan aligns with their specific lifestyle and budgetary requirements.
Farmers Insurance - Chad Merling offers both one-time consultations to address immediate disability income concerns and ongoing service options for clients who want to adjust coverage as needs evolve. The coverage available includes policies that replace a portion of lost earnings if an injury or illness prevents someone from working. This agency serves residents in and around Baytown, TX, helping individuals understand policy details and filing claims. Service runs on a scheduled basis, with periodic reviews to adapt protection to changing life circumstances.
Harris County Insurance Center in Baytown, Texas, specializes in helping individuals secure disability insurance to protect their income against illness or injury. Its agents work with clients in the local area to explain policy terms and coverage options for long-term and short-term plans. They also assist small-business owners and self-employed residents in evaluating group and individual policies. During economic shifts or local industry downturns, the agency offers guidance on adjusting coverage to safeguard financial stability through unexpected periods of lost wages.
As the Houston area experiences seasonal storms and unpredictable weather, many Baytown residents consider how to protect their income if an unexpected illness or accident prevents them from working. Farmers Insurance - Maribel Castillo provides disability insurance coverage tailored to local professionals and tradespeople. This agent helps clients understand policy details for replacing lost wages during recovery periods. Located in Baytown, Texas, the office serves individuals and families seeking financial security through personalized coverage. An initial consultation includes a review of current employment benefits and personal financial needs to determine suitable policy options.
TWFG Ratliff Insurance works as a disability insurance agent in Baytown, Texas, providing policies that replace a portion of income if a client becomes unable to work due to illness or injury. The company also offers specialized coverage options such as short-term disability for immediate needs and long-term disability for extended protection. These insurance products can serve local commercial sectors, including offices, warehouses, and food service operations.
What Does a a Disability Insurance Agent in Baytown Cost?
The cost of disability insurance in Texas varies by age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy covering 60% of income. Costs are higher for high-risk jobs or pre-existing conditions. This is general information, not insurance advice.
About disability insurance agents in Baytown
Disability insurance agents in Baytown Texas help residents and workers protect their income if they cannot work due to illness or injury. Texas law does not require employers to provide disability insurance, so many individuals seek private coverage. Agents can explain policy options and assist with claims under the Texas Insurance Code.
Frequently Asked Questions
What does a disability insurance agent in Baytown do?
A disability insurance agent helps you find and apply for a policy that replaces part of your income if you become disabled. They can also guide you through the claims process and explain Texas-specific rules about policy terms and exclusions.
How long do I have to file a disability claim in Texas?
Texas law does not set a single deadline for all disability claims. You should check your policy for the specific time limit, which is often 30 to 90 days after the disability begins. Missing the deadline can result in denial of benefits.
Are disability insurance benefits taxable in Texas?
If you pay the premiums with after-tax dollars, the benefits are generally tax-free. If your employer pays the premiums, the benefits may be taxable as income. Texas has no state income tax, so you do not pay state tax on benefits.
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