The top-rated disability insurance agent in Grand Junction, Colorado is Farmers Insurance - Jesse Dryer, rated 4.9 stars across 1,153 reviews. Other highly rated options include Medicare On Main, Insurance Advisors Agency, Inc, Sterling Peaks Insurance Llc. This directory lists 20 disability insurance agents serving Grand Junction.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Jesse Dryer | 2777 Crossroads Blvd #2 | (970) 444-1111 |
| 2 | Medicare On Main | 627 24 1/2 Rd STE H | (970) 644-6954 |
| 3 | Insurance Advisors Agency, Inc | 1055 Main St | (970) 255-8240 |
| 4 | Sterling Peaks Insurance Llc | 529 25 1/2 Rd suite b111 | (970) 314-9188 |
| 5 | Bird Family Insurance Agency | 125 Grand Ave | (970) 549-2500 |
| 6 | Brachfeld Insurance Services | 394 Hidden River Dr | (970) 615-0717 |
| 7 | Matt Borg Insurance | 573 W Crete Cir Unit 205 | (970) 644-5595 |
| 8 | Colorado West Insurance | 2782 Crossroads Blvd | (970) 245-6960 |
| 9 | 360 Insurance | 631 24 1/2 Rd Ste B | (970) 242-9343 |
| 10 | Active Insurance Solutions | 940 Colorado Ave | (970) 241-5542 |
Farmers Insurance - Jesse Dryer serves the Grand Junction, Colorado, metro area as a disability insurance agent. This agency assists individuals and families in securing coverage that replaces a portion of income if injury or illness prevents them from working. Policies are tailored to local professionals and small business owners who need financial protection against lost earnings. The agency guides clients through plan selection and applications. It regularly handles long-term disability policies and short-term income replacement plans for residents of Mesa County.
Medicare On Main provides disability insurance agent services to individuals and businesses in Grand Junction, Colorado. The company helps clients understand their coverage options and works to secure policies that protect income during periods of inability to work. It offers guidance on filing claims and adjusting coverage as needs change over time. Service and maintenance plans include regular policy reviews to ensure benefits keep pace with the client’s current situation. Medicare On Main services single-family homes, apartments, retail locations, and restaurants.
Homeowners, renters, and small business owners in Grand Junction rely on Insurance Advisors Agency, Inc for disability insurance agent services that help protect their income against unexpected illness or injury. The agency guides clients through policy options that replace a portion of lost wages when they are unable to work due to a covered condition. Their work focuses on evaluating individual coverage needs and explaining how different benefit periods and elimination periods affect premiums and protection. They also serve clients in the Clifton area and surrounding Mesa County communities.
Sterling Peaks Insurance Llc serves Grand Junction and the surrounding communities in western Colorado, assisting individuals with disability insurance coverage to protect their income against unexpected illness or injury. It focuses on explaining policy terms, benefit types, and elimination periods so clients understand their options. The agency evaluates each client’s occupation, current coverage gaps, and financial needs before presenting suitable plans. It typically walks applicants through medical underwriting and policy selection, helping them secure a policy that aligns with their employment situation and long-term financial goals.
Bird Family Insurance Agency offers both one-time policy evaluations and recurring service check-ins to help clients select and maintain coverage that protects income during illness or injury. Located in Grand Junction, Colorado, the agency serves individuals and professionals in the area seeking disability insurance solutions tailored to their specific employment circumstances. Long-term and short-term coverage options may be discussed to match varying financial needs and risk tolerances. Service arrangements run on either a one-time or scheduled basis depending on the client’s ongoing requirements.
During Grand Junction’s unpredictable high-country seasons, accidents and illnesses can disrupt income without warning. Brachfeld Insurance Services, a local disability insurance agent in Grand Junction, CO, addresses this risk by matching residents with disability policies that replace a portion of lost earnings. They guide clients through plan comparisons, ensuring coverage aligns with household budgets and occupation types. The process begins with a confidential initial assessment to review income needs and existing protections.
Matt Borg Insurance provides professional guidance for individuals and businesses in Grand Junction, Colorado, seeking to protect their income through disability coverage. The agency serves as a resource for policies that replace a portion of earnings when injury or illness prevents work. As a dedicated disability insurance agent, the company assists clients in understanding plan options, benefit periods, and elimination periods tailored to different professions and risk factors. Commercial clients from small offices, warehouses, and food service operations can secure coverage designed to support their employees during unexpected medical leaves.
Colorado West Insurance, based in Grand Junction, Colorado, is recognized for providing disability insurance agent services to individuals and businesses throughout the area. The agency guides clients through the process of selecting income protection plans aligned with their occupation, lifestyle, and budget requirements. The agents explain policy details, helping customers understand waiting periods and benefit durations. For coverage needs extending beyond standard offerings, the company can arrange long-term own-occupation disability policies for specialized professionals.
360 Insurance provides disability insurance agent services, helping individuals select policies that replace a portion of income if illness or injury prevents work. It serves clients throughout Grand Junction, Colorado, assessing coverage needs for various occupations and personal circumstances. The agency assists with both short-term and long-term disability plans, carefully explaining policy terms and exclusions during the consultation process. It regularly helps new workers secure coverage soon after starting employment to address the critical gap before employer benefits become active.
What Does a a Disability Insurance Agent in Grand Junction Cost?
Disability insurance premiums in Colorado typically range from 1% to 3% of your annual income. For a 40-year-old non-smoker earning $60,000 per year, a policy might cost between $600 and $1,800 annually. Costs vary based on age, health, occupation, and benefit terms. This is general information, not insurance advice.
About disability insurance agents in Grand Junction
Disability insurance agents in Grand Junction, Colorado help individuals and businesses secure income protection policies. Colorado law requires disability benefits for certain state employees under the Colorado Public Employees Retirement Association. Local agents understand the unique needs of Mesa County residents, including coverage for outdoor and agricultural occupations.
Frequently Asked Questions
What does a disability insurance agent in Grand Junction do?
A disability insurance agent helps you compare policies from different carriers, explains benefit terms, and assists with applications. They can also guide you on Colorado-specific regulations, such as the 30-day notice requirement for claim denials under state law.
How long do I have to file a disability claim in Colorado?
Colorado does not have a single statute of limitations for all disability claims. For private policies, the deadline is usually stated in the contract, often 90 to 180 days. For ERISA-governed plans, you generally have 180 days to file an initial claim.
Do disability insurance agents charge a fee in Colorado?
Most disability insurance agents in Colorado are paid by commission from the insurance company, not by the client. Some independent agents may charge a flat fee for consulting services. Always ask about fees before starting the process.
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