ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Disability Insurance Agents Near You in Union City, CA

Browse disability insurance agents serving Union City, California. Updated 2026-07-14.

The top-rated disability insurance agent in Union City, California is Hera Tong Gutierrez - State Farm Insurance Agent, rated 5.0 stars across 145 reviews. Other highly rated options include Gill Financial & Insurance Services, Jeff Sinfuego - State Farm Insurance Agent, Tony Huey: Allstate Insurance. This directory lists 11 disability insurance agents serving Union City.

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

Comparison

Top 10 listings
#NameAddressPhone
1Hera Tong Gutierrez - State Farm Insurance Agent32145 Alvarado-Niles Rd # 205(510) 972-0968
2Gill Financial & Insurance Services31080 Union City Blvd # 201(510) 888-1180
3Jeff Sinfuego - State Farm Insurance Agent4123 Dyer St Ste 210(510) 431-3514
4Tony Huey: Allstate Insurance1780 Whipple Rd STE 201(510) 429-5788
5Global Green Insurance Agency of the Bay Area32146 Alvarado Blvd(510) 487-1000
6Golden Bay Insurance Agency, Inc.33436 Alvarado-Niles Rd(510) 487-2225
7Coker & Arias Insurance1780 Whipple Rd STE 104(510) 471-1871
8Bill Stone: Allstate Insurance33436 Alvarado-Niles Rd(510) 487-2225
9Farmers Insurance3995 Smith St Ste 9(510) 429-8900
10Cathy Start - State Farm Insurance Agent33331 Alvarado-Niles Rd(510) 471-8816
HT
32145 Alvarado-Niles Rd # 205
Hera Tong Gutierrez - State Farm Insurance Agent
Disability Insurance Agent · Union City, CA

Hera Tong Gutierrez - State Farm Insurance Agent serves Union City and the surrounding Alameda County area. As a disability insurance agent, the company helps clients obtain coverage that replaces a portion of income if an illness or injury prevents them from working. Such policies ensure financial stability during recovery for local residents and small business owners. The agent assists with both short-term and long-term disability policies, along with tailored riders that may protect professionals from loss of income due to pregnancy complications or specific occupational injuries.

GF
31080 Union City Blvd # 201
Gill Financial & Insurance Services
Disability Insurance Agent · Union City, CA

Gill Financial & Insurance Services provides disability insurance agent services for individuals and businesses in Union City, CA, guiding clients through the process of securing income protection coverage. The company offers an initial consultation to assess each client’s specific needs and ongoing support to help manage policy adjustments and claims filing as circumstances change. Its services cover single-family homes, apartments, retail locations, and restaurants.

JS
4123 Dyer St Ste 210
Jeff Sinfuego - State Farm Insurance Agent
Disability Insurance Agent · Union City, CA

Jeff Sinfuego - State Farm Insurance Agent serves Union City, California, and the surrounding East Bay communities, handling disability insurance policies. This agent assists local residents in protecting their income by securing coverage against unexpected illnesses or injuries that prevent work. Typical client consultations involve evaluating individual financial situations, discussing policy inclusions, and explaining waiting periods for benefits. The approach focuses on clearly matching available coverage options to each client's specific risks and budget requirements, guiding them through the paperwork and policy selection from start to finish.

TH
1780 Whipple Rd STE 201
Tony Huey: Allstate Insurance
Disability Insurance Agent · Union City, CA

Tony Huey: Allstate Insurance serves homeowners, local businesses, and property managers in the Union City, CA, area who need help securing disability insurance coverage. The agency explains how disability policies can replace lost income if a client is unable to work due to injury or illness. It guides customers through plan options for short-term and long-term coverage. Staff answer questions about policy terms, waiting periods, and benefit amounts. The agency also works with residents and small businesses in nearby Newark and parts of southern Alameda County.

GG
32146 Alvarado Blvd
Global Green Insurance Agency of the Bay Area
Disability Insurance Agent · Union City, CA

Serving the Bay Area and surrounding communities, Global Green Insurance Agency of the Bay Area, based in Union City, CA, handles disability insurance coverage for local professionals and self-employed individuals. It assists clients in understanding the difference between short-term and long-term protection options. A typical job begins with a thorough review of the applicant’s occupation and income, then tailor eligibility requirements carefully to match specific financial protection needs.

GB
33436 Alvarado-Niles Rd
Golden Bay Insurance Agency, Inc.
Disability Insurance Agent · Union City, CA

Golden Bay Insurance Agency, Inc. provides both one-time appointments and ongoing services to clients in Union City, California, who require assistance with disability insurance coverage. Coverage options are presented clearly, helping individuals understand how policies can replace income if they become unable to work due to illness or injury. The agency’s process focuses on explaining plan features so each client can make an informed choice. Service is available on a scheduled or as-needed basis, depending on the client’s preference for regular reviews or occasional consultations.

CA
1780 Whipple Rd STE 104
Coker & Arias Insurance
Disability Insurance Agent · Union City, CA

Coker & Arias Insurance in Union City, CA provides specialized services as a disability insurance agent, assisting clients with both short-term and long-term disability coverage. It also offers general guidance on disability insurance options for individuals and small businesses navigating the complexities of income protection. The firm helps customers evaluate policies to match their specific financial and employment circumstances. When a sudden illness or maternity leave reduces a person’s ability to work, this agent can clarify the nuances of benefit waiting periods and percentage-based income replacement.

BS
33436 Alvarado-Niles Rd
Bill Stone: Allstate Insurance
Disability Insurance Agent · Union City, CA

As Bay Area residents face unexpected illnesses or job injuries that threaten their income, the need for reliable protection grows. Bill Stone: Allstate Insurance in Union City helps local employees evaluate coverage options designed to replace lost earnings during recovery. The company guides clients through the differences between short-term and long-term disability policies, answering questions about elimination periods and benefit percentages. An initial assessment appointment reviews current coverage gaps and begins the process of tailoring a suitable plan.

FI
3995 Smith St Ste 9
Farmers Insurance
Disability Insurance Agent · Union City, CA

Farmers Insurance in Union City, California, provides general insurance services for local residents and businesses. Among its specific offerings, the agency specializes in disability insurance agent work, helping clients secure income protection for unexpected health events. This coverage assists workers in replacing lost earnings during illness or injury-related absences. The agency serves various commercial sectors, including offices, warehouses, and food service operations.

CS
33331 Alvarado-Niles Rd
Cathy Start - State Farm Insurance Agent
Disability Insurance Agent · Union City, CA

Cathy Start - State Farm Insurance Agent provides disability insurance services to residents in Union City, CA. The office also offers commercial coverage solutions for local businesses. Her practice serves clients throughout the surrounding area with personalized policy consultations. The agency helps working individuals and business owners select coverage tailored to their income protection needs. Follow‑up visits are available when customers require policy adjustments or additional coverage between their regular review meetings. This ensures each client's disability plan remains current with changing circumstances.

GF
33006 Calle La Mirada Common
Godinez Financial and Insurance Services
Disability Insurance Agent · Union City, CA
(510) 552-4334

What Does a a Disability Insurance Agent in Union City Cost?

Disability insurance agents in California are typically paid through commissions from the insurance company, so there is usually no direct fee to the client. Policy premiums vary widely based on age, health, occupation, and coverage amount. For a 40 year old in good health, a policy replacing 60% of income might cost between 100 and 300 dollars per month. Costs can be higher for high risk occupations or pre existing conditions. This is general information and not insurance advice.

About disability insurance agents in Union City

Disability insurance agents in Union City, California help residents secure income protection through private policies or navigate state disability benefits. California law requires employers to provide State Disability Insurance (SDI) through payroll deductions, but private agents can help supplement coverage. Union City agents can explain how SDI interacts with private plans and guide you through the claims process.

Frequently Asked Questions

What does a disability insurance agent in Union City do?

A disability insurance agent helps you choose and apply for private disability policies that replace income if you cannot work due to illness or injury. They also explain how California SDI benefits work and how private coverage can fill gaps. Agents do not provide legal advice but can assist with policy selection and claim paperwork.

How does California SDI affect private disability insurance?

California SDI provides partial wage replacement for up to 52 weeks for non-work related disabilities. Private disability insurance can be used to supplement SDI payments, but most policies reduce benefits by the amount you receive from SDI. An agent can help you compare policies that coordinate with state benefits.

What are the time limits for filing a disability claim in California?

For California SDI, you must file a claim within 49 days of becoming disabled. For private policies, time limits vary by contract but are typically 30 to 90 days. Missing these deadlines can result in denial. An agent can help you track deadlines and submit required documentation.

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.