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Find Disability Insurance Agents in Commerce City, CO
Browse disability insurance agents serving Commerce City, Colorado. Contact information and addresses listed below.
14 agents listed
Updated May 2026
Commerce City, CO
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Colorado before hiring.
Showing 14 disability insurance agents in Commerce City, CO
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Disability insurance agents in Commerce City, Colorado help individuals and businesses find coverage that protects income if you cannot work. Colorado law requires certain employer-provided disability benefits under the Colorado Family and Medical Leave Insurance (FAMLI) program, which started in 2024. A local agent can explain how private disability policies work alongside FAMLI and other state requirements.
What Does a Disability Insurance Agent in Commerce City Cost?
Disability insurance agent services are usually free to you because agents earn commissions from insurance companies. Policy premiums in Colorado range from about 1% to 3% of your annual income for a standard plan. For a 40-year-old earning $60,000 per year, a policy might cost $50 to $150 per month. Actual costs depend on your health, occupation, benefit amount, and waiting period. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a disability insurance agent in Commerce City do?
A disability insurance agent helps you compare policies from different carriers. They explain policy terms, benefit amounts, and elimination periods. Agents do not provide legal advice but can guide you on coverage options.
How does Colorado FAMLI affect private disability insurance?
Colorado FAMLI provides partial wage replacement for family and medical leave. Private disability insurance can supplement FAMLI benefits. An agent can help you coordinate private coverage with state benefits to avoid gaps.
What is the typical cost for disability insurance in Colorado?
Costs vary by age, health, occupation, and benefit amount. A typical policy for a healthy 40-year-old might cost 1% to 3% of annual income. For example, a 60% income replacement policy could cost $50 to $150 per month. Always get quotes from multiple carriers.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Colorado.