The top-rated disability insurance agent in Addison, Illinois is Luis Garcia - State Farm Insurance Agent, rated 4.9 stars across 409 reviews. Other highly rated options include Freeway Insurance, My Insurance Werks, Inc., Towns Johnson Ins: Allstate Insurance. This directory lists 12 disability insurance agents serving Addison.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Luis Garcia - State Farm Insurance Agent | 245 Addison Rd | (630) 543-8582 |
| 2 | Freeway Insurance | 433 W Lake St | (630) 425-7083 |
| 3 | My Insurance Werks, Inc. | 211 E Lake St #2 | (630) 410-9375 |
| 4 | Towns Johnson Ins: Allstate Insurance | 221 E Lake St Ste 201 | (630) 834-5678 |
| 5 | Magnum Insurance Agency | 522 W Lake St Suite D | (630) 563-4725 |
| 6 | Hispano Insurance Agency, Inc. | 15 N Addison Rd | (630) 833-0505 |
| 7 | Leticia Herrera Agency, Inc American Family Insurance | 1000 W Lake St | (630) 543-8009 |
| 8 | Farmers Insurance - James Provinzino | 240 E Lake St Ste 205 | (630) 941-0566 |
| 9 | First Cover Insurance IL | 323 N Addison Rd | (630) 410-1714 |
| 10 | Advocate Insurance Network | 1000 W Lake St | (847) 309-7029 |
Luis Garcia - State Farm Insurance Agent serves Addison, Illinois, and the surrounding DuPage County area, specializing in disability insurance agent services. The agency assists individuals in protecting their income against unexpected health challenges. They help clients understand policy options that can replace lost wages during recovery periods. Disability insurance plans are evaluated based on individual occupation and coverage needs. The agency also coordinates benefit enrollment and claim guidance for those preparing for or experiencing disabilities.
Freeway Insurance provides disability insurance agent services to clients in Addison, Illinois, helping individuals protect their income in the event of an illness or injury. The agency offers guidance on policy options and assists with enrollment to maintain coverage. Regular plan reviews help ensure benefits remain aligned with changing client needs and life circumstances. The company serves a variety of residential and commercial properties, including single-family homes, apartments, retail spaces, and restaurants.
My Insurance Werks, Inc. serves the greater Addison, Illinois, area as a disability insurance agent. The company helps clients navigate the complex process of securing income protection policies. Professionals there assist individuals with evaluating short-term and long-term disability coverage options tailored to different occupations. The firm also advises self-employed workers on how policy waiting periods and benefit durations directly affect monthly premiums. Key services include guidance on employer-sponsored group plans and individual accident and sickness contracts.
Towns Johnson Ins: Allstate Insurance provides disability insurance solutions designed to protect income and financial stability in Addison, IL. Its service approach includes guiding clients through policy selection and maintenance, with regular reviews to ensure coverage aligns with changing needs and circumstances. The agency also assists with claim processes and policy adjustments as necessary. Its services cover individuals and families residing in single-family homes, apartment complexes, and other residential properties, as well as business owners operating retail stores and restaurants in the local area.
Magnum Insurance Agency serves homeowners, businesses, and individuals in the Addison, Illinois area who require specialized coverage against lost income due to illness or injury. The agency helps clients navigate the complexities of short-term and long-term disability policies, tailor plans to household budgets, and coordinate private benefits with any existing employer-sponsored coverage. This personalized guidance supports financial security during unexpected health events. The firm also extends its representation to clients throughout the surrounding DuPage County region.
Hispano Insurance Agency, Inc. serves homeowners, businesses, and property managers in Addison, Illinois, by assisting them with disability insurance agent services. The agency helps clients understand how disability coverage can protect income during unexpected medical events. It works to match individuals and organizations with suitable policy options based on their specific needs. The agency also provides disability coverage support for residents in the greater Chicago metropolitan area, including neighboring communities such as Elmhurst.
Serving Addison, Illinois, and the surrounding communities, Leticia Herrera Agency, Inc American Family Insurance handles disability insurance needs for local residents. It assists clients by evaluating their income protection requirements against unexpected illnesses or injuries. The agency works to identify appropriate coverage options that align with individual financial situations and employment circumstances. To manage a typical case, it gathers personal and occupational details, reviews policy provisions for income replacement, and coordinates enrollment with the carrier to secure necessary protection.
Farmers Insurance - James Provinzino in Addison, IL offers both one-time assessments to evaluate current coverage gaps and recurring service options for policy adjustments as life changes occur. The disability insurance agent addresses long-term income protection needs for local professionals, explaining how benefits replace a portion of earnings if an injury or illness prevents work. Policies are tailored to individual occupations and income levels. Service runs on an as-needed basis, available when clients require policy reviews or new applications during major life events.
First Cover Insurance IL in Addison focuses on disability insurance agent services, helping individuals secure income protection policies for unexpected health events. It guides clients through plan selection, application procedures, and coverage options tailored to local occupations and lifestyles. The firm works with residents across the area to address financial risks from illness or injury. This includes assisting those facing planned medical leaves or sudden recovery periods when short-term or long-term disability benefits become critical, ensuring financial stability through work absences for active professionals.
As the seasons change in Addison, many residents review their coverage when life events or workplace shifts occur. Advocate Insurance Network responds by assisting local clients with navigating disability insurance options to protect their income during illness or injury. An agent works directly with individuals to explain policy terms, waiting periods, and benefit durations tailored to specific occupations. To begin, a prospective client schedules an initial assessment where an agent reviews current coverage, earnings, and personal needs before outlining available policy choices.
What Does a a Disability Insurance Agent in Addison Cost?
The cost of disability insurance in Illinois typically ranges from 1% to 3% of your annual income. For a 35-year-old earning $60,000 per year, a policy might cost between $600 and $1,800 annually. Premiums vary based on age, health, occupation, and benefit amount. This is general information and not insurance advice.
About disability insurance agents in Addison
A disability insurance agent in Addison Illinois can help you understand your policy options and file claims for lost income due to injury or illness. Illinois law does not require employers to provide disability insurance, but many group plans are regulated under state insurance codes. Working with a local agent ensures you get guidance tailored to Illinois specific rules and benefit timelines.
Frequently Asked Questions
What does a disability insurance agent in Addison do?
A disability insurance agent helps you compare policies from different carriers, explains coverage limits and waiting periods, and assists with claim submissions. They can also clarify how Illinois state laws affect your benefits and deadlines.
How long do I have to file a disability claim in Illinois?
Illinois does not set a single deadline for all disability claims. Most private policies require you to notify the insurer within 20 to 30 days of the disability. You should check your specific policy for exact time limits.
Does Illinois have a state disability insurance program?
No, Illinois does not have a state-run short-term disability insurance program like California or New York. Residents rely on private disability insurance, employer-provided plans, or federal programs such as Social Security Disability Insurance.
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