The top-rated disability insurance agent in Wilmington, Delaware is Tara McDonald - State Farm Insurance Agent, rated 5.0 stars across 303 reviews. Other highly rated options include Ray Romano - State Farm Insurance Agent, Sean O'Hagan - State Farm Insurance Agent, McAfee Insurance Agency. This directory lists 26 disability insurance agents serving Wilmington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Tara McDonald - State Farm Insurance Agent | 4408 Limestone Rd | (302) 234-1116 |
| 2 | Ray Romano - State Farm Insurance Agent | 2502 Silverside Rd Ste 8 | (302) 485-4426 |
| 3 | Sean O'Hagan - State Farm Insurance Agent | 2018 Naamans Rd Suite A4 | (302) 798-7572 |
| 4 | McAfee Insurance Agency | 1816 W 4th St | (302) 655-7999 |
| 5 | Raleigh Collins Jr - State Farm Insurance Agent | 250 Philadelphia Pike 1st Floor | (302) 764-6802 |
| 6 | Dan Dougherty - State Farm Insurance Agent | 5600 Kirkwood Hwy | (302) 999-1700 |
| 7 | Charles Potter Jr. Insurance Agency | 5506 Kirkwood Hwy | (302) 995-5451 |
| 8 | Prominent Insurance Services | 1201 Orange St #7295 | (302) 351-3368 |
| 9 | AAA Wilmington | 1 River Pl | (302) 299-4700 |
| 10 | Choice Insurance Agency - Delaware | 1906 Newport Gap Pike | (302) 998-1412 |
Tara McDonald - State Farm Insurance Agent serves the Wilmington, DE area, specializing in disability insurance agent services. The agency assists local residents with financial protection solutions tailored to individual needs. It helps clients navigate policies that provide income replacement if an illness or injury prevents them from working. The company focuses on both short-term and long-term disability coverage, ensuring options are available for various situations. This includes reviewing policy details and coordinating enrollment for those seeking added security. Sheltered selections cover straightforward protection plans.
Ray Romano - State Farm Insurance Agent serves homeowners, businesses, and property managers in Wilmington, Delaware, by helping them evaluate disability insurance options that replace lost income during recovery. This work often involves guiding clients through policy details for short-term or long-term coverage. Because disability insurance needs vary, the agency encourages discussions tailored to individual situations. The agency also covers residents and business owners across the broader New Castle County metro area, including Newark and the surrounding communities.
Sean O'Hagan - State Farm Insurance Agent in Wilmington, DE serves as a resource for disability insurance. Clients may choose between one-time consultation services for policy evaluation or recurring support for ongoing coverage management. The agent assists local individuals and professionals in understanding how disability plans can replace lost income due to illness or injury. Coverage options are explained to help maintain financial stability during a health disruption. Service is available on an as-needed basis to address policy questions or life changes.
McAfee Insurance Agency in Wilmington, DE offers specialized disability insurance agent services, guiding clients through options for income protection and long-term coverage. The firm generally assists individuals and businesses in navigating policy selection, benefit structures, and application processes to secure financial stability against unexpected health issues. During the end-of-year open enrollment periods, it helps workers evaluate how disability coverage complements employer-sponsored benefits.
Raleigh Collins Jr serves as a disability insurance agent for residential clients in Wilmington, Delaware, offering coverage to protect personal income. Commercial disability insurance solutions are also available for local businesses seeking employee benefits. The agency covers Wilmington and the surrounding New Castle County area with professional consultation services. Clients typically schedule follow-up meetings to review policy updates or adjust coverage between regular annual visits, ensuring disability plans remain aligned with changing financial circumstances.
Dan Dougherty – State Farm Insurance Agent in Wilmington, DE, provides general insurance services while also specializing in disability coverage. Disability insurance helps replace lost income if an injury or illness prevents a person from working. Local clients can discuss policy options that protect their earnings during recovery. This agent works with businesses and individuals in a range of commercial sectors, including offices, warehouses, and food service operations.
Charles Potter Jr. Insurance Agency serves local homeowners, business owners, and property managers in Wilmington, Delaware who need protection against income loss from disability. The agency helps clients understand how disability insurance can replace a portion of lost wages if a medical condition prevents them from working. They guide individuals through policy selection and coverage options tailored to different professional needs. The company also provides its services to those in the nearby Newark area.
Prominent Insurance Services in Wilmington, Delaware distinguishes between one-time policy enrollment and ongoing claims management for disability income protection. Their coverage helps replace a portion of lost earnings if an illness or injury prevents work, a common need for local professionals across industries. Policy details and benefit amounts are customized during an initial consultation. Service runs on either a one-time basis for initial setup or an as-needed schedule for adjustments and claim support throughout the life of the policy.
With the local job market remaining active in Wilmington, many workers seek financial protection against unexpected illness or injury. AAA Wilmington helps individuals explore disability insurance options that can replace a portion of lost income during recovery. The agency guides clients through policy features and coverage levels suited to different professions and personal budgets. The typical first step involves a thorough review of the client’s current earnings and existing benefits to identify potential gaps. This initial assessment shapes the recommendations for a tailored disability plan.
Choice Insurance Agency - Delaware serves Wilmington and the surrounding communities of New Castle County, handling individual and group disability insurance policies. It assists clients in selecting coverage that protects a portion of their income if illness or injury prevents them from working. The agency works with both short-term and long-term disability plans to meet diverse needs. To handle a typical case, it reviews the client’s occupation and income details before matching them with an appropriate plan from its available carriers.
What Does a a Disability Insurance Agent in Wilmington Cost?
Disability insurance agent services in Delaware typically do not charge a separate fee because they earn commissions from the insurance carrier. Premiums for individual disability policies in Wilmington often range from 1% to 3% of your annual income, depending on your age, health, and occupation. Group policies through an employer may cost less per month. Costs vary by case and coverage level. This is general information, not insurance advice.
About disability insurance agents in Wilmington
Disability insurance agents in Wilmington Delaware help individuals and businesses find coverage that protects income if you cannot work. Delaware law requires certain employers to offer short-term disability insurance through the state program. A local agent can explain how state rules affect your policy options and claims process.
Frequently Asked Questions
What does a disability insurance agent in Wilmington do?
A disability insurance agent helps you compare policies from different carriers and explains coverage details. They assist with applications and can guide you through the claims process. Agents do not provide legal advice but can clarify policy terms.
Does Delaware have a state disability insurance program?
Yes, Delaware has a mandatory short-term disability insurance program for most employers. The state program provides partial wage replacement for non-work-related injuries or illnesses. A private agent can help you understand how this interacts with individual or group policies.
How do I choose a disability insurance agent in Wilmington?
Look for an agent licensed in Delaware with experience in disability coverage. Ask about their familiarity with the Delaware Temporary Disability Insurance law. Check their track record with claims and policy options for your specific occupation.
Disability Insurance Agents in Other Delaware Cities
Bear · Dover · Middletown · Newark