The top-rated disability insurance agent in Windsor, Connecticut is Lynn Dobrowsky - State Farm Insurance Agent, rated 5.0 stars across 339 reviews. Other highly rated options include Oxygen Insurance Agency LLC, Bolton Financial, LLC - Helping Connecticut retirees optimize pensions, Social Security, and retirement income, Brian Busam - State Farm Insurance Agent. This directory lists 13 disability insurance agents serving Windsor.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lynn Dobrowsky - State Farm Insurance Agent | 150 Poquonock Ave | (860) 640-6777 |
| 2 | Oxygen Insurance Agency LLC | 360 Bloomfield Ave Suite 301 | (860) 580-6226 |
| 3 | Bolton Financial, LLC - Helping Connecticut retirees optimize pensions, Social Security, and retirement income | 100 Northfield Dr #200 | (860) 298-1011 |
| 4 | Brian Busam - State Farm Insurance Agent | 555 Day Hill Rd | (860) 787-5415 |
| 5 | Allstate - Gridley Insurance | 181 Broad St Ste 2 | (860) 602-6456 |
| 6 | Disability Planning Partners | 200 Day Hill Rd #240 | (860) 238-0031 |
| 7 | Vantis Life Insurance Co | 200 Day Hill Rd | (866) 826-8471 |
| 8 | Parker Ellingwood Agency Inc Insurance | 62 Poquonock Ave # 5 | (860) 688-5215 |
| 9 | The Hanover Insurance Group Regional Office | 7 Waterside Crossing Suite 101 | (860) 368-5030 |
| 10 | Aetna | 570 Pigeon Hill Rd | (860) 298-0637 |
Lynn Dobrowsky - State Farm Insurance Agent serves the Windsor, Connecticut metro area and surrounding communities by offering disability insurance agent services. This agency assists individuals and professionals in understanding their options for income protection should an illness or injury prevent them from working. Clients can rely on guidance for disability policies that help cover essential monthly expenses during a period of recovery. The office also addresses specific needs for both short-term and long-term coverage solutions designed to fit different employment situations.
Oxygen Insurance Agency LLC provides disability insurance agent services in the Windsor, Connecticut area. It assists clients in obtaining coverage designed to replace a portion of income if an illness or injury prevents them from working. The agency’s process includes evaluating individual needs and explaining policy options, with ongoing support for claims and policy adjustments. Its service extends to safeguarding the financial stability of individuals and small business owners. Oxygen Insurance Agency services single-family homes, apartments, retail, and restaurants.
Bolton Financial, LLC serves Connecticut retirees and older professionals who need to coordinate disability insurance with their broader retirement income strategy. The agency assists clients in evaluating how lost-income protection fits alongside pension maximization and Social Security planning within a transition from full-time work. Policies are reviewed to match an individual’s specific retirement timeline and long-term financial needs. The firm is based in Windsor and also advises clients throughout Hartford County and the surrounding greater Hartford metropolitan area.
Serving Windsor, Connecticut, and the surrounding Hartford County communities, this disability insurance agent works with individuals and businesses to secure protection against loss of income due to illness or injury. It handles both short-term and long-term disability coverage options to help replace earnings during recovery periods. The agent typically begins each job by assessing a client’s current employment situation and income needs, then compares policies from multiple insurers to find a suitable fit for that specific financial reality.
Allstate - Gridley Insurance specializes in providing disability insurance assistance for individuals seeking income protection in Windsor, Connecticut. It generally helps clients navigate policy options to safeguard earnings against unexpected illness or injury. This agent works with local residents to understand specific coverage needs and plan for financial stability during recovery periods. The agency is particularly useful for those reviewing their policies before the end-of-year benefit enrollment season, ensuring adequate readiness for potential health changes that could affect work.
As local professionals in Windsor begin planning their annual benefits review, Disability Planning Partners assists individuals and families in securing income protection through tailored disability insurance policies. The agency focuses on evaluating clients’ specific occupational risks and financial obligations to recommend appropriate coverage. This process includes explaining key policy features such as elimination periods, benefit durations, and own-occupation definitions. A typical initial step involves a complimentary conversation to review current coverage gaps and personal income needs before scheduling a full financial assessment.
Vantis Life Insurance Co in Windsor, CT works with clients on disability insurance. A key distinction is that some clients require a single, one-time policy evaluation to secure coverage for their specific needs, while others need recurring adjustments as their income and circumstances evolve. Ongoing service ensures their disability income protection remains aligned with changing career demands and health factors. Service is available on a scheduled or as-needed basis, with periodic reviews arranged according to the client’s preference for maintaining their coverage.
Based in Windsor, CT, Parker Ellingwood Agency Inc Insurance represents residential disability insurance agents who guide clients through policy selection. The firm also assists commercial entities with coverage designed to protect businesses from financial disruption due to key employee illness or injury. Servicing families and employers throughout the greater Windsor area, this agency provides ongoing support during the application and claims process. Follow-up consultations are available between regular visits to adjust coverage as personal or business needs evolve.
The Hanover Insurance Group Regional Office in Windsor, CT focuses on helping local workers prepare for income loss due to illness or injury. It specializes in both short-term and long-term disability insurance policies tailored to individual needs. These plans can help replace a portion of earnings when a policyholder cannot perform their job duties. The regional office serves a variety of commercial sectors, including offices, warehouses, and food service operations.
Aetna, based in Windsor, CT, serves as a disability insurance agent providing access to income protection plans for local professionals and businesses. The company guides clients through group and individual policy options designed to replace lost earnings during illness or injury. Helping individuals navigate short-term and long-term coverage, its agents assist with plan selection and application processes. For those needing additional protection, the firm can arrange riders such as residual disability benefits to cover partial income loss.
What Does a a Disability Insurance Agent in Windsor Cost?
Disability insurance agent services in Connecticut are usually free to the consumer because agents earn commissions from insurance carriers. Policy premiums for an individual long-term disability plan typically range from 1% to 3% of annual income, or about $50 to $200 per month for a $5,000 monthly benefit. Short-term disability plans cost less, often $20 to $80 per month. Costs vary by age, health, occupation, and benefit terms. This is general information and not insurance advice.
About disability insurance agents in Windsor
Disability insurance agents in Windsor Connecticut help individuals and businesses secure income protection policies. Connecticut law requires certain employers to offer short-term disability coverage through the Connecticut Paid Leave program. Agents can guide you through private plans that supplement state benefits or provide long-term coverage.
Frequently Asked Questions
What does a disability insurance agent in Windsor do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your needs. They explain policy terms, exclusions, and waiting periods. Agents also assist with filing claims and understanding Connecticut specific disability rules.
How does Connecticut Paid Leave affect private disability insurance?
Connecticut Paid Leave provides up to 12 weeks of partial wage replacement for qualifying events. Private disability insurance can supplement this benefit or cover longer absences. An agent can show you how to coordinate private coverage with the state program.
What factors affect disability insurance costs in Connecticut?
Costs depend on your age, occupation, health history, and benefit amount. Policies in Connecticut also factor in the state paid leave benefit when calculating premiums. A typical policy may cost 1% to 3% of your annual income, but rates vary by carrier and coverage level.
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