The top-rated disability insurance agent in Calexico, California is TREJO Registration & Insurance Agency, rated 4.9 stars across 198 reviews. Other highly rated options include Auto International Insurance, Figueroa's auto insurance services, Best Formula Insurance Inc. This directory lists 18 disability insurance agents serving Calexico.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | TREJO Registration & Insurance Agency | 1754 Carr Rd STE 209 | (760) 618-9082 |
| 2 | Auto International Insurance | 546 Imperial Ave | (760) 768-0460 |
| 3 | Figueroa's auto insurance services | 400 Emerson Ave #12 | (760) 768-8757 |
| 4 | Best Formula Insurance Inc | 301 Heffernan Ave # A | (888) 242-9922 |
| 5 | Calhen Insurance Agency con Covered California y Molina | 536 Imperial Ave | (760) 671-2224 |
| 6 | Covered California y Molina con Calhen Insurance Agency Office 2 | 233 Fourth St h | (760) 671-2224 |
| 7 | Oscar Padilla Mexican Insurance | 825 Imperial Ave | (800) 466-7227 |
| 8 | Payless Auto Insurance Broker, Inc. | 928 Imperial Ave #C | (760) 357-1098 |
| 9 | Golden Desert Insurance Agency, Inc. | 619 Paulin Ave # 101 | (760) 357-0531 |
| 10 | Exacto Insurance Services | 744 Imperial Ave B | (760) 768-8939 |
TREJO Registration & Insurance Agency serves Calexico and Imperial County as a disability insurance agent. The company assists clients in evaluating coverage options designed to replace a portion of income if illness or injury prevents work. Such policies help individuals and families manage financial obligations during recovery periods. Brokers in this region often address diverse employment situations, including small business needs. This agency handles individual disability income policies and group LTD coverage.
At Auto International Insurance in Calexico, California, clients choose between policy options structured as a one-time purchase or as recurring premiums, and coverage is selected to replace a portion of income if illness or injury prevents work. Understanding the distinction between long-term and short-term plans helps in tailoring protection to individual financial needs and recovery timelines. Services are available on an as-needed basis for consultations, claim filing assistance, or plan adjustments.
Figueroa’s Auto Insurance Services provides expert guidance for securing disability insurance policies in Calexico, California. The agency assists clients in understanding coverage options that protect income during illness or injury. Its service includes personalized consultations to match plans with individual needs. Regular policy reviews ensure coverage adapts to changing circumstances. The firm also helps with claims filing and plan maintenance. It serves property owners and tenants across various local properties, including single-family homes, apartments, retail spaces, and restaurants.
Homeowners, business owners, and property managers in Calexico seeking disability insurance can work with Best Formula Insurance Inc. The agency assists local professionals in securing income protection policies that replace a portion of earnings if an injury or illness prevents work. They guide clients through plan selection to match individual needs and budgets. Navigating coverage options can be complex, but their representatives help explain policy terms clearly. Best Formula Insurance Inc also serves clients throughout the nearby El Centro metropolitan area.
Calhen Insurance Agency in Calexico, California serves that city and nearby communities in the Imperial Valley, helping individuals and families with disability insurance coverage. This agency handles policies designed to replace a portion of income if a client becomes unable to work due to illness or injury. They represent Covered California and Molina, offering access to plans that include disability benefits. To handle a typical job, they first assess a client's current income and employment situation to recommend a suitable policy that meets their specific needs.
Serving Calexico, California, Covered California y Molina con Calhen Insurance Agency Office 2 assists clients with both one-time disability insurance consultations and recurring policy management, depending on individual needs. Their coverage focuses on providing income replacement for those unable to work due to illness or injury, a critical resource in the area's local workforce. The agency helps residents compare plans and navigate enrollment, offering services on either a scheduled or as-needed basis to accommodate fluctuating requirements.
Oscar Padilla Mexican Insurance specializes in helping clients secure disability income protection policies tailored to their individual needs. The Calexico-based agency assists local residents in understanding how these plans can replace a portion of their earnings if an injury or illness prevents them from working. Navigating the application process for such coverage, including medical underwriting and policy terms, is a core aspect of its daily service work. This guidance proves particularly valuable during seasonal agricultural or commercial peaks, when a sudden disability could jeopardize both personal finances and critical business operations.
With the shifting seasonal workforce in Calexico, securing income protection is a common concern for local professionals. Payless Auto Insurance Broker, Inc. serves this need as a disability insurance agent, helping residents evaluate coverage that replaces a portion of lost wages due to illness or injury. Their process begins with a thorough review of an individual’s current financial obligations and employment status, ensuring each plan is tailored accordingly. The initial step involves a free consultation to assess specific needs and personal risk factors.
Golden Desert Insurance Agency, Inc. works within the disability insurance field to help individuals and businesses secure income protection. Based in Calexico, CA, the agency focuses on policies that provide financial support when an injury or illness prevents a person from working. These plans can be structured to cover partial or total disabilities, with options for short-term or long-term benefits. The agency serves a variety of commercial sectors, including office environments, warehouses, and food service operations.
Exacto Insurance Services in Calexico, CA offers disability insurance agent services to residential clients seeking income protection. The company also advises commercial policyholders on group disability plans, serving both local communities and surrounding areas in Imperial County. Each consultation reviews existing coverage to identify gaps in protection against lost wages due to illness or injury. Clients often return for follow-up adjustments or policy reviews between their regular visits to ensure their benefits continue to meet evolving needs.
What Does a a Disability Insurance Agent in Calexico Cost?
The cost of disability insurance in California varies based on age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For example, a 40-year-old might pay $50 to $150 per month for a policy. Costs also depend on waiting periods and benefit duration. This is general information, not insurance advice.
About disability insurance agents in Calexico
Disability insurance agents in Calexico help residents navigate short-term and long-term disability claims. California law provides specific protections for policyholders, including the right to appeal denied claims within 180 days. Agents can assist with understanding policy terms and filing paperwork for local workers in the Imperial Valley.
Frequently Asked Questions
What does a disability insurance agent in Calexico do?
A disability insurance agent helps you find and apply for disability policies. They explain coverage options and assist with claim forms. They do not provide legal advice but can guide you through the process.
How long do I have to appeal a denied disability claim in California?
Under California law, you generally have 180 days from the date of denial to file an appeal. Check your policy for exact deadlines. An agent can help you gather documents for the appeal.
Can a disability insurance agent help with California state disability insurance?
Yes, agents can explain the difference between private disability insurance and California State Disability Insurance (SDI). SDI is a state program, while private policies are sold by insurers. Agents typically focus on private coverage.
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