The top-rated disability insurance agent in Denver, Colorado is Aspen Insurance Agency, rated 4.9 stars across 505 reviews. Other highly rated options include Denver Insurance LLC, Advantage Insurance Solutions, HealthMarkets Insurance - Tasha Riggs. This directory lists 19 disability insurance agents serving Denver.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Aspen Insurance Agency | 2255 S Broadway | (303) 777-2991 |
| 2 | Denver Insurance LLC | 1127 Auraria Pkwy #22 | — |
| 3 | Advantage Insurance Solutions | 4380 S Syracuse St Suite 310 | (720) 221-8168 |
| 4 | HealthMarkets Insurance - Tasha Riggs | 12110 N Pecos St #200 | (303) 587-4521 |
| 5 | Centennial State Insurance Agency | 7900 E Union Ave # 1100 | (303) 838-0554 |
| 6 | 365 Insurance & Services LLC | 4705 Paris St Suite #200 | (720) 823-9445 |
| 7 | All Colorado Insurance Services | 3443 S Galena St Ste 180 | (303) 481-8177 |
| 8 | Rocky Mountain Insurance Specialists | 2175 S Jasmine St #109 | (303) 758-1850 |
| 9 | Seguros Ideal Insurance Services | 249 S Federal Blvd | (303) 742-9400 |
| 10 | Madison Insurance Group | 7600 E Eastman Ave Ste. 500 | (303) 322-0800 |
Aspen Insurance Agency serves the Denver, Colorado metro area as a disability insurance agent. The company assists local professionals and self-employed individuals in evaluating their need for income protection in the event of illness or injury. Policies can help replace a portion of lost earnings when a qualified medical condition prevents work. The agency guides clients through the application process, explaining benefit periods, elimination periods, and policy riders. It focuses on own-occupation disability coverage and short-term disability insurance options.
Homeowners, businesses, and property managers in Denver, Colorado, work with Advantage Insurance Solutions to secure disability coverage that protects income during illness or injury. This independent agency helps clients navigate policy options designed to replace a portion of lost wages. The company assesses individual professional risks and financial commitments to recommend appropriate plans. Tailored solutions address the specific needs of local professionals and business owners needing continuity of income. Advantage Insurance Solutions also serves clients across the nearby community of Aurora in the greater Denver metro area.
HealthMarkets Insurance - Tasha Riggs serves the Denver, Colorado area and surrounding communities, handling disability insurance for local residents. It helps clients secure income protection policies that provide financial support if they become unable to work due to illness or injury. The agency approaches each client by first reviewing their individual occupation and income needs, then comparing available policy options to recommend suitable coverage.
Located in Denver, Colorado, Centennial State Insurance Agency offers both one-time policy reviews and recurring service options for disability insurance. Their coverage planning helps protect local workers by addressing individual needs for income replacement. Services can be arranged on either a one-time consultation basis, a scheduled annual review cycle, or as needed when a client experiences a life change requiring policy adjustments.
As snow season stresses daily routines in Denver, protecting income when injury or illness strikes becomes a priority. 365 Insurance & Services LLC operates as a disability insurance agent, helping local professionals secure coverage that replaces lost wages during recovery. This firm recognizes that claims can be complex, so they guide clients through policy options tailored to Colorado's unique employment landscape. An initial consultation assesses current health status, job duties, and financial goals to determine appropriate protection levels before reviewing specific plan details.
All Colorado Insurance Services, based in Denver, is known for guiding clients through the complexities of disability insurance options. Its service range includes helping individuals and professionals find policies that replace lost income during illness or injury. The firm assists with comparing coverage terms, elimination periods, and benefit durations to match personal financial needs. As a specialty service, it can also evaluate and integrate policy riders for future insurability and residual disability protection.
Rocky Mountain Insurance Specialists in Denver, Colorado provides specialized services in disability insurance, helping professionals secure policies that protect their income against unexpected medical conditions. The agency also facilitates general coverage options for individuals seeking financial stability. It works with clients to identify appropriate plans that address routine health concerns and potential long-term impairments. During Denver’s winter months, the company specifically assists those facing increased injury risks from seasonal activities, ensuring their earning power remains safeguarded while navigating icy conditions or high-altitude recreation.
Seguros Ideal Insurance Services provides disability insurance solutions to clients in Denver, Colorado, helping individuals protect their income in the event of illness or injury. The company focuses on tailoring coverage options that address the specific needs of different professions and work environments. Its commercial clients include offices, warehouses, and food service operations, where customized disability policies can safeguard both employees and business continuity.
Madison Insurance Group in Denver, Colorado offers clients a choice between a single, comprehensive policy purchase and ongoing protection through renewable plans. Their work as disability insurance agents centers on helping individuals secure income replacement coverage for periods when illness or injury prevents them from working. This includes evaluating personal occupation needs and comparing policies from multiple carriers to match specific employment and financial situations. Service appointments with this local agency are available on a scheduled or as-needed basis.
What Does a a Disability Insurance Agent in Denver Cost?
Disability insurance agent services are usually free to you because agents earn commissions from insurance carriers. Premiums for individual disability policies in Colorado typically range from 1% to 3% of your annual income. For a 50,000 dollar annual income, expect premiums between 500 and 1,500 dollars per year. Group plans through employers often cost less. Costs vary based on age, health, occupation, and benefit terms. This is general information, not insurance advice.
About disability insurance agents in Denver
Disability insurance agents in Denver help individuals and businesses find coverage that protects income if you cannot work. Colorado law requires certain employers to offer short-term disability plans. A local agent can explain how state regulations affect your policy options and claim rights.
Frequently Asked Questions
What does a disability insurance agent in Denver do?
A disability insurance agent helps you compare policies from different carriers. They explain benefit amounts, elimination periods, and coverage limits. They also assist with filing claims and understanding Colorado specific rules.
How long do I have to file a disability claim in Colorado?
Colorado does not set a single deadline for all disability claims. Most private policies require you to notify the insurer within 30 days of becoming disabled. Check your policy for exact time limits.
Are disability insurance premiums tax deductible in Colorado?
If you pay premiums with after-tax dollars, benefits are generally tax-free. If your employer pays premiums, benefits are usually taxable. A Denver agent can help you understand your specific tax situation.
Disability Insurance Agents in Other Colorado Cities
Arvada · Aurora · Boulder · Brighton · Castle Rock · Centennial · Colorado Springs · Commerce City · Englewood · Erie · Fort Collins · Grand Junction · Greeley · Lafayette · Lakewood