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Find Disability Insurance Agents Near You in Los Altos, CA

Browse disability insurance agents serving Los Altos, California. Updated 2026-07-14.

The top-rated disability insurance agent in Los Altos, California is KBI Benefits, rated 5.0 stars across 20 reviews. Other highly rated options include Josh Anderson - State Farm Insurance Agent, Cathy Nguyen: Allstate Insurance, Farmers Insurance - Naomi Hayashi. This directory lists 11 disability insurance agents serving Los Altos.

Showing 11 disability insurance agents in Los Altos, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1KBI Benefits221 Main St #1462(408) 366-8880
2Josh Anderson - State Farm Insurance Agent4546 El Camino Real b4(650) 941-5000
3Cathy Nguyen: Allstate Insurance745 Distel Dr Suite 119(650) 964-3022
4Farmers Insurance - Naomi Hayashi900 N San Antonio Rd Ste102(650) 321-7637
5Michael Tirabassi - State Farm Insurance Agent4546 El Camino Real b4(650) 209-1202
6Frank Hughes Farmers Insurance220 State St Suite B(650) 815-7068
7Gil Koury Insurance86 3rd St UNIT 115(650) 947-7676
8Dwight Matthews - State Farm Insurance Agent1564 Miramonte Ave(650) 948-8164
9Gilbert P Koury Insurance Broker86 3rd St UNIT 115(650) 947-7676
10Johnson Financial & Insurance Services171 Main St Suite #607(650) 949-6601
KB
221 Main St #1462
KBI Benefits
Disability Insurance Agent · Los Altos, CA

KBI Benefits serves Los Altos and surrounding Santa Clara County as a disability insurance agent. The company assists local professionals, self-employed individuals, and small business owners in securing income protection policies. Their work involves explaining the differences between short-term and long-term disability coverage. They also help clients understand how employer-sponsored plans compare with individual policies. KBI Benefits specifically handles loss-of-income protection for commuting-accident scenarios and medical-condition based claims for residents in this area.

JA
4546 El Camino Real b4
Josh Anderson - State Farm Insurance Agent
Disability Insurance Agent · Los Altos, CA

Josh Anderson - State Farm Insurance Agent in Los Altos, CA, provides a range of disability income protection services, including consultations to assess individual coverage needs and ongoing policy management. The office offers periodic reviews to ensure plans adjust to life changes or income shifts, maintaining appropriate benefit levels for clients. Its service plans include claims support and policy updates to keep coverage current over time. The agency services residences and commercial properties such as single-family homes, apartments, retail spaces, and restaurants.

CN
745 Distel Dr Suite 119
Cathy Nguyen: Allstate Insurance
Disability Insurance Agent · Los Altos, CA

Cathy Nguyen: Allstate Insurance serves homeowners, business owners, and property managers in Los Altos, California, by helping them secure disability insurance coverage that replaces a portion of income if an illness or injury prevents them from working. The agency assists clients in understanding policy terms, benefit periods, and waiting periods to tailor protection for their personal or professional needs. It also provides support to individuals and entrepreneurs throughout the broader Silicon Valley area, including neighboring communities like Mountain View.

FI
900 N San Antonio Rd Ste102
Farmers Insurance - Naomi Hayashi
Disability Insurance Agent · Los Altos, CA

Serving residents of Los Altos, CA, Farmers Insurance - Naomi Hayashi offers both one-time policy evaluations for immediate disability coverage needs and recurring service options for ongoing plan adjustments. Comprehensive protection helps replace lost income if illness or injury prevents work. Local agents assist with understanding policy terms and calculating appropriate benefit amounts. Clients can schedule a single appointment for a policy review or arrange periodic check-ins to reassess coverage as circumstances change. Service runs on either a one-time, scheduled, or as-needed basis.

MT
4546 El Camino Real b4
Michael Tirabassi - State Farm Insurance Agent
Disability Insurance Agent · Los Altos, CA

Michael Tirabassi - State Farm Insurance Agent in Los Altos, CA, specializes in disability insurance to protect clients from income loss due to injury or illness. It also offers general insurance services for individuals and families in the area. The agency helps clients evaluate coverage options that provide financial stability during recovery periods. It assists with planning for unexpected medical leave, including seasonal risks like flu complications or injuries from holiday activities.

FH
220 State St Suite B
Frank Hughes Farmers Insurance
Disability Insurance Agent · Los Altos, CA

Frank Hughes Farmers Insurance serves Los Altos, California, and the surrounding communities of the greater Silicon Valley area. The company handles disability insurance, offering policies that provide income replacement when a client is unable to work due to illness or injury. For each engagement, the agent first reviews the client’s current occupation and income level, then recommends a suitable policy that aligns with individual financial needs and long-term protection goals.

GK
86 3rd St UNIT 115
Gil Koury Insurance
Disability Insurance Agent · Los Altos, CA

As the cost of living in the Silicon Valley area continues to rise, local professionals in Los Altos increasingly seek financial protection against the sudden loss of income. Gil Koury Insurance addresses this specific concern by specializing in disability insurance, offering coverage designed to replace a portion of an individual’s salary during a serious illness or injury. The agency focuses on personalizing plans to fit each client’s employment situation and budget. The process begins with a thorough initial assessment of the client’s current income and occupational risks.

DM
1564 Miramonte Ave
Dwight Matthews - State Farm Insurance Agent
Disability Insurance Agent · Los Altos, CA

Dwight Matthews operates as a disability insurance agent in Los Altos, CA, focusing on helping clients secure income protection for unexpected health issues. The agency specializes in developing tailored plans that replace a portion of earnings during periods of medical leave or recovery. This coverage is designed to provide financial stability when an individual cannot perform their regular job duties due to illness or injury. The firm can assist professionals and businesses across office environments, warehouses, and food service operations.

GP
86 3rd St UNIT 115
Gilbert P Koury Insurance Broker
Disability Insurance Agent · Los Altos, CA

Serving residents of Los Altos and the surrounding area, Gilbert P Koury Insurance Broker provides disability insurance services for individuals. Commercial coverage is also available for local businesses needing to protect their income streams. The agency works closely with clients to assess their specific financial risks and long-term needs. Understanding the serious financial impact of a prolonged illness or injury, the broker aims to structure appropriate policies. Clients receive thorough follow-up support between regular visits to ensure their coverage continues to match their evolving life and business circumstances.

JF
171 Main St Suite #607
Johnson Financial & Insurance Services
Disability Insurance Agent · Los Altos, CA

Johnson Financial & Insurance Services, based in Los Altos, CA, is known for helping local professionals secure coverage against income loss due to illness or injury. The company guides clients through the various short- and long-term disability options available in the area, explaining policy terms and waiting periods. For those with specific occupational risks, the firm can offer tailored solutions. A specialty add-on service is assisting business owners with key person disability policies.

PB
334 State St
Premier Benefits
Disability Insurance Agent · Los Altos, CA
(408) 227-9996
premierbenefits.com/contacting-premier-benefits-insurance-services

What Does a a Disability Insurance Agent in Los Altos Cost?

Disability insurance premiums in California vary based on your age, occupation, health, and benefit amount. A typical policy for a 40-year-old professional in Los Altos might cost between 1% and 3% of annual income. For example, a policy covering 60% of a $100,000 salary could cost $100 to $250 per month. Costs are higher for high-risk occupations or pre-existing conditions. This is general information and not insurance advice.

About disability insurance agents in Los Altos

Disability insurance agents in Los Altos, California help professionals and residents secure income protection policies. California law requires certain employers to provide State Disability Insurance (SDI) benefits, but private agents can assist with individual or group long-term disability plans. Local agents understand the specific needs of Silicon Valley workers and can guide you through policy options and claim processes.

Frequently Asked Questions

What does a disability insurance agent in Los Altos do?

A disability insurance agent helps you compare policies from different carriers and choose coverage that fits your income and occupation. They also assist with filing claims and understanding policy terms. In California, agents must be licensed by the state Department of Insurance.

How is California disability insurance different from private plans?

California offers a state-run SDI program that provides partial wage replacement for non-work injuries. Private disability insurance agents in Los Altos can help you buy supplemental policies that cover higher income levels or longer benefit periods. Private plans are governed by contract terms and sometimes ERISA if provided by an employer.

What is the typical timeline for a disability claim in California?

California SDI claims are usually processed within 14 days of receiving a complete application. Private disability claims can take 30 to 45 days for an initial decision. Under California law, insurers must respond to your claim within 40 days, with possible extensions up to 75 days in special circumstances.

Disability Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each disability insurance agent's credentials and current standing with your state Department of Insurance.