The top-rated disability insurance agent in Alameda, California is Kelly Lux - State Farm Insurance Agent, rated 5.0 stars across 527 reviews. Other highly rated options include Christie Kennett - State Farm Insurance Agent, Farmers Insurance - Alfonso Servin, Farmers Insurance - Leah Nishi. This directory lists 12 disability insurance agents serving Alameda.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kelly Lux - State Farm Insurance Agent | 2221 Harbor Bay Pkwy | (510) 521-1222 |
| 2 | Christie Kennett - State Farm Insurance Agent | 550 Park St Ste 108 | (510) 521-0060 |
| 3 | Farmers Insurance - Alfonso Servin | 550 Park St Ste 104 | (510) 522-0123 |
| 4 | Farmers Insurance - Leah Nishi | 1516 Oak St Suite 100 | (510) 473-5565 |
| 5 | Aurora Noche - State Farm Insurance Agent | 2236 Mariner Square Dr STE 100 | (510) 865-2110 |
| 6 | Alameda Alliance for Health | Headquarters, 1240 S Loop Rd | (510) 747-4567 |
| 7 | Larkins insurance Agency | 1101 Marina Village Pkwy suit 202 | (341) 223-3403 |
| 8 | Caffrey Insurance Solutions, Inc. | 2413 Webb Ave ste c | (510) 444-5447 |
| 9 | M K McDonough Financial & Insurance Services | 1070 Marina Village Pkwy | (510) 995-8850 |
| 10 | Wellguard Insurance Solutions | 1516 Oak St Ste 219 | (510) 749-6759 |
Kelly Lux - State Farm Insurance Agent serves clients in Alameda, California and the surrounding Alameda County area, offering disability insurance agent services to help protect personal income. This agency assists individuals and families in evaluating their financial risks from unexpected illness or injury. They guide clients through the selection of policies that can provide monthly benefits during periods of disability. In this area, the office handles long-term and short-term disability coverage options to suit varying needs.
As the cost of living in Alameda continues to rise, many local workers worry about their income if a medical issue keeps them from their job. Christie Kennett, a State Farm Insurance Agent, assists area residents in finding Disability Insurance Agent coverage to protect against lost wages during a recovery. The company reviews each client's unique employment situation and monthly expenses to propose a suitable plan covering a portion of their earned income. A complimentary, no-obligation assessment is scheduled to evaluate individual needs and current financial protections.
Farmers Insurance - Alfonso Servin provides disability insurance agent services in Alameda, California. The agency helps clients understand their coverage options and assess policy details for protecting income. It offers guidance on filing claims and adjusting plans when circumstances change. Regular policy reviews ensure coverage remains aligned with personal and professional needs. The firm services a variety of properties, including single-family homes, apartments, retail locations, and restaurants.
Serving Alameda and the surrounding East Bay communities, Farmers Insurance - Leah Nishi represents a disability insurance agent. This agency handles individual disability income policies, which help protect a client's earnings if illness or injury prevents them from working. It also assists local business owners and professionals with policy options. The agent typically begins each job by evaluating a client's current income and occupation to identify appropriate coverage levels and waiting periods for their needs.
Aurora Noche in Alameda, CA, helps clients understand the difference between short-term policies, which provide income for a limited time after an injury or illness, and long-term coverage that offers protection for extended periods or until retirement. As a disability insurance agent, the agency assists local residents in evaluating how these options replace lost wages when they cannot work. Service runs on a scheduled basis, tailored to each client's changing needs.
Alameda Alliance for Health serves homeowners, local businesses, and property managers in Alameda, California, by connecting them with disability insurance policies that replace income lost due to illness or injury. The agent helps clients evaluate options for short-term and long-term coverage, ensuring financial stability during unexpected health events. Guidance includes comparing plan terms and navigating application processes. The company also extends its services to customers in the adjacent Oakland communities within the East Bay metro area.
Larkins Insurance Agency specializes in disability insurance coverage for residents of Alameda, California. As a dedicated disability insurance agent, the agency helps clients evaluate policies that protect their income during unexpected illness or injury. With a focus on individual needs, it works to match each person with appropriate benefit terms and waiting periods from various insurers. Whether assisting with initial enrollment or reviewing existing coverage, the agency provides ongoing support. This spring, it is helping self-employed professionals and small business owners secure policies before tax season’s end, ensuring continuity of earnings.
As seasonal employment fluctuations affect many in the Bay Area, securing income protection becomes a pressing concern for local workers and small business owners. Caffrey Insurance Solutions, Inc. in Alameda assists clients by navigating disability insurance policies that replace lost wages during illness or injury. They focus on matching coverage options to individual occupational risks and financial situations. A thorough initial consultation evaluates current income needs and policy exclusions to determine the appropriate benefit period and waiting terms.
M K McDonough Financial & Insurance Services operates as a disability insurance agent in Alameda, California, providing coverage that replaces income when clients cannot work due to illness or injury. The company typically helps individuals and employers understand different policy structures. It often assists clients in tailoring plans to maintain financial stability during recovery periods. Its services extend to professionals working in various commercial environments, including offices, warehouses, and food service establishments.
Wellguard Insurance Solutions serves residential clients in Alameda, California, by helping them select disability coverage that protects personal income during illness or injury. The agency also assists commercial clients throughout the local area, ensuring small businesses can offer employee disability benefits. Coverage options typically include short-term and long-term policies. After an initial consultation and policy setup, the agency provides follow-up support between regular visits to adjust plans as clients’ needs change.
What Does a a Disability Insurance Agent in Alameda Cost?
Disability insurance agents in California typically earn commissions from insurance companies, so you may not pay a direct fee. Premiums for private disability policies range from 1% to 3% of your annual income, or about $50 to $200 per month for a typical policy. Costs vary based on age, health, occupation, and coverage amount. This is general information, not insurance advice.
About disability insurance agents in Alameda
Disability insurance agents in Alameda, California help residents navigate private and employer-sponsored disability policies. California law requires employers to provide State Disability Insurance (SDI) through the Employment Development Department, but private agents assist with supplemental coverage and claims. Working with a local agent ensures you understand policy terms and California-specific benefit limits.
Frequently Asked Questions
What does a disability insurance agent in Alameda do?
A disability insurance agent helps you choose and apply for private disability policies. They also assist with filing claims and understanding California SDI benefits. Agents do not provide legal advice but can explain policy details.
How long do I have to file a disability claim in California?
For California SDI, you must file a claim within 49 days of becoming disabled. For private policies, deadlines vary but are typically 30 to 90 days. Check your specific policy for exact time limits.
Are disability insurance agents regulated in California?
Yes, disability insurance agents in California must be licensed by the California Department of Insurance. They must follow strict rules about disclosure and fair dealing. You can verify a license on the CDI website.
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