The top-rated disability insurance agent in Coeur d'Alene, Idaho is Redman & Company Insurance Inc., rated 4.8 stars across 224 reviews. Other highly rated options include Glidden Group, Flathead Insurance Coeur d'Alene Insurance, 1st Choice Insurance Brokers, LLC. This directory lists 18 disability insurance agents serving Coeur d'Alene.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Redman & Company Insurance Inc. | 1410 S Lincoln Wy STE 100 | (208) 664-5263 |
| 2 | Glidden Group | 402 W Canfield Ave # 2 | (208) 962-0077 |
| 3 | Flathead Insurance Coeur d'Alene Insurance | 350 E Kathleen Ave #300 | (208) 667-7485 |
| 4 | 1st Choice Insurance Brokers, LLC | MAILING ADDRESS ONLY, 174 E Neider Ave #36 | (208) 758-8050 |
| 5 | Dirks Insurance Group, LLC | 1003 E Best Ave | (208) 664-9272 |
| 6 | Marsh McLennan Agency | 601 E Front Ave STE 502 | (208) 667-9406 |
| 7 | Pacific Crest Insurance - Coeur d'Alene | 402 W Canfield Ave # 2 | (208) 714-4251 |
| 8 | Miles Insurance Team | 1110 W Ironwood Dr | (208) 765-6849 |
| 9 | AAA Washington Insurance Agency - Coeur d'Alene, Idaho | 296 W Sunset Ave Ste 33 | (877) 222-4678 |
| 10 | O'Brien Insurance Services | 1620 Northwest Blvd #101 | (208) 966-4374 |
Redman & Company Insurance Inc. serves the Coeur d'Alene, Idaho, area as a disability insurance agent. It helps local professionals and self-employed individuals secure coverage that replaces a portion of lost income due to a medical condition or injury. The agency also guides clients through policy options for short-term and long-term disability protection. These services include evaluating waiting periods and benefit amounts for personal disability plans.
Glidden Group serves as a disability insurance agent in Coeur d'Alene, ID, offering a range of services including policy selection assistance, claims guidance, and coverage reviews. It helps clients evaluate individual and group disability plans to align with their income protection needs. Ongoing support is provided through periodic policy check-ins and renewal management. The company serves a diverse clientele, including single-family homeowners, apartment residents, retail workers, and restaurant employees.
Flathead Insurance Coeur d'Alene Insurance serves homeowners, local business owners, and professionals in Coeur d'Alene, Idaho, who need individual or group disability insurance. The agency helps clients compare policies that provide income protection if an illness or injury prevents them from working. It also assists clients in understanding policy terms, benefit periods, and waiting periods to find suitable coverage for their personal or business needs. In addition to Coeur d'Alene, the agency covers neighboring Post Falls.
1st Choice Insurance Brokers, LLC serves Coeur d'Alene and the surrounding Kootenai County communities, handling disability insurance policies for local professionals and small business owners. It offers coverage designed to replace a portion of income if an illness or injury prevents the client from working. The agency guides each individual through comparing policy features and benefit structures to match their specific financial obligations. It first discusses the client’s occupation and monthly expenses before tailoring plan options accordingly.
As winter nears in Coeur d'Alene, residents often consider how a sudden illness or injury might affect their income. Dirks Insurance Group, LLC helps individuals explore disability insurance options that provide financial protection when they cannot work. The agency guides clients through the process of selecting a policy that fits their personal situation. A typical first step is scheduling a no-obligation meeting to review current coverage needs and assess potential gaps.
Marsh McLennan Agency in Coeur d'Alene provides disability insurance agent services, including individual disability income policies and business overhead expense coverage to protect local professionals. It also generally assists with long-term and short-term disability planning for area employers and employees. For Idaho residents working in outdoor or seasonal industries, the agency helps address coverage needs during winter slowdowns or summer peak injury risks in North Idaho.
Pacific Crest Insurance in Coeur d'Alene works with individuals and businesses to secure disability income protection that replaces lost wages during illness or injury. The agency specializes in offering tailored policies that address medical and financial gaps often missed by basic plans. It assists clients across various commercial sectors, including local offices, warehouses, and food service operations, where work-related disabilities necessitate specialized coverage for employee stability.
Miles Insurance Team serves residential clients in Coeur d'Alene, Idaho, by helping them select disability coverage that protects their income if illness or injury prevents them from working. The company also assists area businesses with group disability plans for their employees, ensuring comprehensive protection across the region. Their work involves assessing individual income needs and policy options, then explaining how different benefit periods and waiting periods function. After a claim is settled or a policy is updated, the team provides follow-up service to adjust coverage between regular annual visits.
AAA Washington Insurance Agency in Coeur d'Alene, Idaho, offers both one-time policy evaluations and recurring annual reviews for disability coverage needs. This locally focused agency helps residents find income protection for sudden illness or injury that prevents work. Services begin with a full fact-finding discussion to identify coverage gaps. Clients may choose between a single consultation for an individual policy or a scheduled annual renewal meeting. The agency’s local service in Coeur d'Alene runs on an as-needed basis, allowing clients to schedule a consultation whenever their situation or employment changes.
What Does a a Disability Insurance Agent in Coeur d'Alene Cost?
The cost of disability insurance in Idaho typically ranges from 1% to 3% of your annual income. For a 40 year old earning 60,000 per year, a policy might cost 600 to 1,800 annually. Factors like age, health, occupation, and benefit amount affect the premium. This is general information and not insurance advice.
About disability insurance agents in Coeur d'Alene
Disability insurance agents in Coeur d Alene help individuals and business owners protect their income if they cannot work due to illness or injury. Idaho law does not require employers to provide disability coverage, so many workers seek private policies. Local agents can explain options tailored to Idaho residents, including policies that coordinate with state programs like Idaho Medicaid or workers compensation.
Frequently Asked Questions
What does a disability insurance agent in Coeur d Alene do?
A disability insurance agent helps you find and purchase a policy that replaces part of your income if you become disabled. They explain policy terms, exclusions, and benefit amounts. They can also assist with claims and appeals if a claim is denied.
Is disability insurance required by law in Idaho?
No, Idaho does not require private employers to provide disability insurance. Only a few states mandate short term disability coverage. In Idaho, you can choose to buy a policy on your own or through an employer sponsored plan.
How does Idaho law affect disability insurance claims?
Idaho follows the general legal principle that insurance contracts must be interpreted in good faith. If a claim is wrongfully denied, you may have legal remedies under Idaho contract law. There is no specific state statute for disability insurance, but Idaho Code Title 41 governs insurance practices.
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