The top-rated disability insurance agent in Waterbury, Connecticut is B&A Benefit Solutions, rated 5.0 stars across 141 reviews. Other highly rated options include Muni Insurance, Inc., Connor Rafferty: Allstate Insurance, American Financial Solutions llc. This directory lists 18 disability insurance agents serving Waterbury.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | B&A Benefit Solutions | 45 Pilgrim Ave | (203) 565-6419 |
| 2 | Muni Insurance, Inc. | 211 Chase Ave | (203) 527-3669 |
| 3 | Connor Rafferty: Allstate Insurance | 767 Wolcott St | (203) 757-9601 |
| 4 | American Financial Solutions llc | 48 Meriden Rd | (203) 706-4015 |
| 5 | Main Street Insurance - Waterbury Office | 345 W Main St | (203) 757-5737 |
| 6 | Mark Shumilla - State Farm Insurance Agent | 520 Frost Rd FL-1 | (203) 757-6300 |
| 7 | Douglas Haywood: Allstate Insurance | 1884 E Main St | (203) 757-9009 |
| 8 | Montagno Insurance Inc | 344 Robbins St | (203) 721-7041 |
| 9 | Jack D Edsall Jr - State Farm Insurance Agent | 1101 Huntingdon Ave UNIT 3 | (203) 755-3700 |
| 10 | Sundel & Milford Inc | 11 Scovill St # 4 | (203) 753-0114 |
B&A Benefit Solutions in Waterbury, CT assists local homeowners, self-employed professionals, and small business owners in securing disability insurance coverage against income loss from illness or injury. The agency helps clients understand policy options designed to replace a portion of their earnings during recovery. As a dedicated disability insurance agent, the company offers personalized guidance on plan selection and enrollment. Its service area also extends to nearby communities such as Naugatuck and the regional Waterbury metro vicinity.
Muni Insurance, Inc. serves the Waterbury, Connecticut metro area and surrounding communities, offering the services of a local disability insurance agent. It assists clients with planning for income protection in the event of an illness or injury that prevents them from working. The agency works to match individuals and small businesses with appropriate disability insurance policies to suit their needs. It specifically handles both short-term disability insurance and long-term disability insurance policy placements.
Connor Rafferty: Allstate Insurance provides disability insurance agent services to individuals and businesses in the Waterbury area. The company helps clients understand various disability coverage options and assists with filing claims when needed. Maintaining appropriate coverage often involves periodic policy reviews and updates to reflect changes in income or employment status. These services address the needs of professionals working in single-family homes, apartments, retail establishments, and restaurants.
Serving Waterbury, Connecticut, and the surrounding communities, American Financial Solutions LLC handles matters related to disability insurance agency. The company works to help local residents understand their coverage options for income protection in the event of illness or injury. It assists clients in navigating their policy choices, focusing on identifying the disability insurance plan that best fits an individual’s specific needs. For each client, the company takes a thorough, consultative approach by first evaluating the client’s personal situation and then explaining the available plan benefits and terms.
Main Street Insurance in Waterbury, CT offers both one-time policy consultations and recurring support for ongoing disability coverage needs. The agency helps individuals select plans that replace a portion of income if illness or injury prevents work. Services include comparing benefit amounts, elimination periods, and policy riders to match specific occupational risks. This local office typically operates on a scheduled basis for initial meetings and policy reviews, with additional appointments available as needed.
As a disability insurance agent in Waterbury, CT, Mark Shumilla’s State Farm office specializes in helping clients secure income protection plans that replace a portion of earnings if illness or injury prevents work. It also provides general guidance on personal insurance policies and coverage options tailored to individual budgets and employment situations. The firm assists local residents with evaluating disability insurance as part of a broader financial safety net, particularly before or after a seasonal job change or major medical procedure.
In winter, Waterbury residents often seek financial protection against unexpected income loss due to injury or illness. Douglas Haywood: Allstate Insurance provides disability insurance agent services in the area, helping clients understand coverage options tailored to their needs. The company works with individuals to evaluate how a disability policy might replace a portion of wages during recovery. A typical initial engagement involves a thorough assessment of current employment income and existing benefits to determine appropriate coverage gaps.
Montagno Insurance Inc provides disability insurance agent services to residents in Waterbury, Connecticut. The agency also assists commercial clients with disability coverage needs throughout the greater Waterbury area. A disability insurance agent in this region helps individuals protect their income against illness or injury. Montagno Insurance Inc works with clients to select suitable policies that match their financial situations. Customers often return when coverage requirements change or to adjust plans between regular office visits for updated policy reviews.
Jack D Edsall Jr - State Farm Insurance Agent in Waterbury, CT, works with local individuals and businesses to develop financial protection plans. The agency specializes in helping clients secure disability insurance coverage, a service designed to replace a portion of income if illness or injury prevents the policyholder from working. Agents assist in evaluating personal and occupational risks to build appropriate policies. The agency can serve a range of commercial sectors, including offices, warehouses, and food service operations.
Sundel & Milford Inc, based in Waterbury, CT, is known for guiding individuals and businesses through the complexities of disability insurance. Serving local clients, the agency evaluates various policy structures to help protect income against unforeseen medical circumstances. They assist with understanding policy terms, benefit durations, and own-occupation definitions that are relevant to Connecticut workers. Additionally, Sundel & Milford can help arrange supplementary coverage options, such as a residual disability rider for partial loss of earnings.
What Does a a Disability Insurance Agent in Waterbury Cost?
Disability insurance agent services in Connecticut typically do not charge a separate fee because agents earn commissions from the insurance carrier. Policy premiums vary widely based on age, health, occupation, and benefit amount. For a 35-year-old in a moderate-risk job, monthly premiums often range from 100 to 300 dollars for a policy covering 60 percent of income. Costs for high-risk occupations or older applicants can be higher. This is general information and not insurance advice.
About disability insurance agents in Waterbury
Disability insurance agents in Waterbury Connecticut help individuals and businesses find coverage that protects income if injury or illness prevents work. Connecticut law requires agents to hold a valid state license and follow regulations under Title 38a of the Connecticut General Statutes. Working with a local agent can help you understand policy options and the claims process specific to Connecticut requirements.
Frequently Asked Questions
What does a disability insurance agent in Waterbury do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your needs. They explain policy terms such as elimination periods and benefit amounts. Agents do not provide legal advice but can guide you on filing a claim.
Are there time limits to file a disability claim in Connecticut?
Connecticut law does not set a specific deadline for filing a disability claim, but most policies require prompt notice. You should review your policy for its own time limits. Delays can result in denial of benefits.
How do I verify an agent license in Connecticut?
You can check an agent license through the Connecticut Insurance Department website using the producer license lookup tool. All agents must be licensed to sell disability insurance in the state. This ensures they meet state education and background requirements.
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