The top-rated disability insurance agent in Yakima, Washington is Mid-Columbia Insurance, rated 4.9 stars across 1,952 reviews. Other highly rated options include Vern Fonk Insurance, Yakima Valley Insurance, Senior Solutions Group. This directory lists 19 disability insurance agents serving Yakima.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mid-Columbia Insurance | 1602 W Lincoln Ave | (509) 249-1188 |
| 2 | Vern Fonk Insurance | 126 S 1st St Ste. C | (509) 281-7028 |
| 3 | Yakima Valley Insurance | 117 N 50th Ave | (509) 248-2100 |
| 4 | Senior Solutions Group | 3611 River Rd # 110 | (509) 494-4288 |
| 5 | InsureOne Insurance | 816 Summitview Ave | (509) 281-7024 |
| 6 | Universal Insurance Services LLC | 307 N 3rd St # 5 | (888) 874-0208 |
| 7 | Ramos Insurance | 117 N 50th Ave | (509) 728-4192 |
| 8 | Merit Disability | 5505 Summitview Ave #3 | (509) 834-7656 |
| 9 | Apple Valley Insurance | 903 W Nob Hill Blvd | (509) 453-4595 |
| 10 | Pacific Insurance Services | 811 W Yakima Ave STE 101 | (509) 248-4456 |
Mid-Columbia Insurance serves homeowners, businesses, and property managers in Yakima, Washington, by offering disability insurance agent services that help protect income in the event of an illness or injury. These policies are designed to replace a portion of lost wages, ensuring financial stability for policyholders during recovery. The agency navigates clients through plan options and application processes to secure appropriate coverage. Its service area also extends to the neighboring community of Selah and the broader Yakima metropolitan region.
Vern Fonk Insurance serves clients in Yakima, Washington, the surrounding Yakima Valley, and nearby communities, handling individual and group disability income protection policies. The agency helps customers understand short-term and long-term coverage options designed to replace lost wages during illness or injury. It works with local professionals, small business owners, and wage earners to navigate plan benefits, elimination periods, and policy details. For each case, the agent typically reviews a client’s occupation, current income, and financial obligations to match coverage to their specific risk profile.
Yakima Valley Insurance serves the Yakima, Washington region as a disability insurance agent, helping individuals and families protect their income against unexpected illness or injury. The company assists clients in evaluating their current coverage gaps and identifying suitable policy options. It guides applicants through the underwriting process to secure benefits that replace lost wages during recovery from medical conditions. Yakima Valley Insurance specifically handles short-term disability income policies and long-term disability coverage tailored to local professionals and self-employed workers.
Based in Yakima, WA, Senior Solutions Group provides individual and group disability insurance policies. It helps clients review their existing coverage or select new plans to protect their income during illness or injury. The agency offers ongoing support for policy maintenance and claims filing guidance. It serves individual homeowners and renters seeking personal coverage, as well as local retail and restaurant owners needing small business plans.
InsureOne Insurance in Yakima, Washington, assists individuals in navigating the difference between short-term disability policies, which offer temporary income replacement, and long-term coverage that provides sustained support over years. Their services focus on helping clients secure protection that replaces a portion of lost wages during illness or injury. Clients may arrange a single consultation to evaluate a specific policy need or choose recurring meetings to adjust coverage as life circumstances change. Service runs on either a one-time or as-needed basis depending on client preference.
Universal Insurance Services LLC serves Yakima homeowners, business owners, and property managers seeking income protection through disability insurance coverage. The agency helps clients evaluate policy options that replace lost wages if illness or injury prevents work, providing guidance on benefit amounts and elimination periods. It works with local professionals and self-employed individuals to tailor plans that fit varying budgets and risk tolerances. The company also extends its disability insurance agent services to residents and businesses throughout the wider Union Gap area.
Ramos Insurance serves clients in and around Yakima, Washington, handling individual and group disability coverage. They help residents secure protection that provides income if an illness or injury prevents work, a common concern in the local workforce. The agency works through the entire process, from explaining policy options to assisting with the application. For a typical job, they first assess a customer's income and job duties before matching them with a suitable policy that fits their budget and risk tolerance.
Merit Disability offers specialty services in disability insurance planning, focusing on income protection for professionals and self-employed individuals in the Yakima, WA area. The agency provides general agent work, helping clients evaluate policies that replace lost earnings due to illness or injury. It assists with short-term and long-term coverage options suited to local employment conditions. As harvest seasons approach, it helps agricultural workers and business owners secure adequate coverage before seasonal demands increase their risk of workplace accidents.
For clients needing short-term support, a one-time disability claim consultation is offered, while more comprehensive needs receive ongoing policy management. The agent locates suitable individual or group disability plans, focusing on income protection during illness or injury. Coverage options are tailored to Yakima residents’ specific occupational and financial situations. All disability insurance agent services at Apple Valley Insurance run exclusively on a scheduled client-appointment basis.
In unpredictable weather months around Yakima, unexpected illness or injury can disrupt household income, creating an urgent need to protect earnings. Pacific Insurance Services helps local workers evaluate disability insurance policies tailored to safeguard their financial stability during recovery. They explain how essential coverage bridges gaps that health insurance alone cannot fill, offering guidance for individuals seeking an income safety net. The process begins with a no-obligation initial assessment to review personal needs and current protection levels before exploring suitable policy options.
What Does a a Disability Insurance Agent in Yakima Cost?
Disability insurance premiums in Washington typically range from 1% to 3% of your annual income. For a 35-year-old non-smoker, a policy with a 90-day elimination period and a benefit period of five years might cost between $50 and $150 per month. Costs vary based on age, health, occupation, and policy features. This is general information and not insurance advice.
About disability insurance agents in Yakima
Disability insurance agents in Yakima help individuals and businesses find coverage that meets their needs. Washington state law requires certain disability benefits for workers injured on the job through the Department of Labor and Industries. A local agent can explain how private policies work alongside state programs like Paid Family and Medical Leave.
Frequently Asked Questions
What does a disability insurance agent in Yakima do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit periods, elimination periods, and coverage limits. They do not provide legal advice but can guide you to resources for claims issues.
How does Washington state law affect disability insurance?
Washington requires employers to provide workers compensation for job-related injuries. Private disability policies are separate and regulated by the Washington Office of the Insurance Commissioner. Agents must be licensed in Washington to sell these policies.
Can a disability insurance agent help with an appeal?
An agent can review your policy and explain appeal deadlines. However, for formal appeals or disputes with an insurance company, you may need to contact the Washington Office of the Insurance Commissioner or consult an attorney. Agents cannot guarantee claim approval.