The top-rated disability insurance agent in Manchester, Connecticut is Germany Jimenez - GEICO Insurance Agent, rated 4.9 stars across 559 reviews. Other highly rated options include Independent Insurance Center. Inc, AAA Manchester, Zimberlin Law. This directory lists 17 disability insurance agents serving Manchester.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Germany Jimenez - GEICO Insurance Agent | 372 Middle Turnpike W | (860) 812-6300 |
| 2 | Independent Insurance Center. Inc | 830 Hartford Rd | (860) 646-6050 |
| 3 | AAA Manchester | 1500 Pleasant Valley Rd ste g | (860) 648-7300 |
| 4 | Zimberlin Law | 267 Main St | (860) 783-5999 |
| 5 | The Insurance Store of CT | 303 E Center St | (860) 645-1960 |
| 6 | River East Insurance, LLC | 545 N Main St Suite B | (860) 615-9980 |
| 7 | Brent Young Agency, LLC | 642 Hilliard St #1226 | (860) 432-5806 |
| 8 | The Dolin Insurance Center, LLC | 553 Middle Tpke E | (860) 649-2200 |
| 9 | Jennifer Zachorewitz: Allstate Insurance | 360 E Center St | (860) 647-8118 |
| 10 | KOA INSURANCE: Ken O'Hara Agency | 48 Purnell Pl Suite 10 | (860) 327-5202 |
Germany Jimenez, a GEICO Insurance Agent serving Manchester and the greater Hartford County area, provides disability insurance agent services. This agent helps local professionals and individuals assess their need for income protection policies. The office guides clients through plan options that replace a portion of earnings if illness or injury prevents work. Specific services handled in this region include short-term disability coverage and long-term disability insurance plans tailored to different occupations.
Independent Insurance Center, Inc. serves homeowners, businesses, and property managers throughout Manchester, Connecticut, as a dedicated disability insurance agent. The company helps clients evaluate and secure coverage that provides income protection if an injury or illness prevents them from working. It guides individuals through policy options to match specific occupational and financial needs. The firm also assists small business owners in structuring plans to safeguard their operations. Its coverage area extends into the nearby town of Vernon.
AAA Manchester provides disability insurance agent services to individuals and groups in the Manchester, CT area. Its service approach emphasizes helping clients understand policy options for income protection and long-term needs. Maintenance plans include periodic policy reviews to adjust coverage as clients' circumstances change, ensuring continued alignment with their financial goals. The company services a range of properties that include single-family homes, apartments, retail locations, and restaurants.
Zimberlin Law serves Manchester, Connecticut, and the surrounding communities, handling disability insurance claims and appeals for local residents and workers. The firm assists clients with initial applications and denied claims, navigating the complex paperwork and medical documentation required by insurance providers. Understanding the financial strain a disability can cause, the company works to gather necessary evidence and communicate directly with adjusters. To handle a typical job, it reviews the policy details and medical records, then submits a comprehensive application or appeal on behalf of the client.
The Insurance Store of CT in Manchester helps differentiate between one-time policy purchases for short-term needs and recurring premium arrangements that maintain ongoing disability income protection. Coverage focuses on replacing a portion of lost earnings should injury or illness prevent work, with eligibility based on individual income and occupation. These plans can be structured to address specific contractual waiting periods and benefit durations. Service for existing clients routinely runs on a scheduled basis for periodic policy review and adjustments as circumstances evolve.
River East Insurance, LLC serves residential clients in Manchester, Connecticut who seek disability income protection, and also offers commercial coverage to local small businesses in the surrounding area. The firm helps individuals evaluate policies that replace a portion of lost earnings if injury or illness prevents work. For business owners, they assist with group plans and overhead expense policies that keep operations running. Between regular visits, the agent follows up to adjust coverage as clients experience life changes or renew their policies.
Brent Young Agency, LLC provides focused guidance in disability insurance for individuals and businesses in the Manchester, Connecticut area. The firm specializes in assessing income protection needs and structuring policies to safeguard earnings during illness or injury. Its expertise covers short-term and long-term disability solutions for a variety of workplaces. Commercial sectors served include professional offices, warehouses, and food service establishments, ensuring workers in diverse environments have appropriate coverage.
The Dolin Insurance Center, LLC specializes in providing disability insurance guidance, helping clients understand their options for income protection. Operating in Manchester, CT, the agency assists individuals professionals with evaluating policies tailored to their unique employment situations. It works to clarify coverage details, such as benefit periods and elimination periods, to match a client’s financial safety needs. The agent can be particularly valuable when a person is changing jobs or starting a business, addressing how a new role might affect their disability coverage transition.
With winter approaching in Manchester, the need for income protection becomes urgent for local workers. Jennifer Zachorewitz operates an Allstate Insurance agency specializing in disability insurance, helping clients understand how a sudden illness or injury could affect their household finances. The agency guides individuals in selecting policies that replace part of lost earnings during recovery. To begin, an appointment is set for a thorough review of the client’s current coverage and personal income requirements.
What Does a a Disability Insurance Agent in Manchester Cost?
Disability insurance agent services are typically paid through commissions from the insurance carrier so there is no direct cost to you for the agents help. Policy premiums vary widely based on age occupation benefit amount and waiting period. For example a 40-year-old office worker might pay 1 percent to 3 percent of their annual income for a policy. Costs can be higher for manual labor jobs or pre-existing conditions. This is general information not insurance advice.
About disability insurance agents in Manchester
Disability insurance agents in Manchester Connecticut help individuals and businesses find coverage that protects income if you cannot work. Connecticut law requires certain employers to provide short-term disability benefits through the Connecticut Paid Leave program. A local agent can explain how private policies coordinate with state benefits.
Frequently Asked Questions
What does a disability insurance agent in Manchester do?
An agent helps you compare policies from different carriers to find a plan that fits your budget and occupation. They also assist with filing claims and understanding policy terms. Agents do not provide legal advice or represent you in disputes.
How does Connecticut Paid Leave affect private disability insurance?
Connecticut Paid Leave provides up to 12 weeks of partial wage replacement for qualifying medical reasons. Private disability insurance can supplement this benefit to replace a higher percentage of your income. An agent can help you coordinate both coverages.
Are there time limits for filing a disability claim in Connecticut?
Private disability policies have their own claim deadlines usually within 30 to 90 days of the disability. Connecticut law does not set a specific limit for private claims but you should file promptly. The state paid leave program requires notice within three days of your first day off work.
Disability Insurance Agents in Other Connecticut Cities
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