The top-rated disability insurance agent in Elgin, Illinois is John Sutton - State Farm Insurance Agent, rated 4.9 stars across 1,002 reviews. Other highly rated options include Illinois Vehicle Auto Insurance (Xpert), Accurate Auto Insurance, ADH Insurance Agency, Inc. This directory lists 19 disability insurance agents serving Elgin.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | John Sutton - State Farm Insurance Agent | 1380 Dundee Ave Suite D | (847) 888-8858 |
| 2 | Illinois Vehicle Auto Insurance (Xpert) | 1073 N Liberty St | (847) 468-0300 |
| 3 | Accurate Auto Insurance | 1098 Dundee Ave | (847) 413-8900 |
| 4 | ADH Insurance Agency, Inc | 2521 Technology Dr # 204 | (847) 697-0104 |
| 5 | Greg Metelak - State Farm Insurance Agent | 53 Douglas Ave | (847) 888-9875 |
| 6 | Insurance Navy Brokers | 1106 Dundee Ave | (847) 416-0030 |
| 7 | Freeway Insurance | 5 Clock Tower Plaza | (224) 856-4649 |
| 8 | Pro Insurance Group | 2521 Technology Dr #201 | (833) 776-4671 |
| 9 | Kirkpatrick, Jones & Herzog Insurance Agency, Inc. | 19 S Spring St | (847) 741-9393 |
| 10 | Magnum Insurance Agency | 300 S McLean Blvd Unit C | (847) 608-7260 |
Illinois Vehicle Auto Insurance (Xpert) serves Elgin in Kane County, offering professional guidance on disability insurance policies to local residents. This agency helps individuals understand coverage options that replace a portion of lost income when illness or injury prevents work. Clients can explore short-term or long-term disability plans designed to protect financial stability during extended recovery periods. The team assists with policy comparisons and enrollment details for both employer-sponsored and private disability insurance plans in the Elgin area.
Accurate Auto Insurance serves homeowners, businesses, and property managers in Elgin, Illinois, helping them secure disability insurance policies that replace income if injury or illness prevents work. An experienced disability insurance agent guides clients through plan options and coverage details, ensuring protection for both personal and commercial needs. The company assists customers in understanding policy terms and filing claims. Its service area also extends throughout Cook County and into the surrounding parts of the Chicago metro region.
Serving the Elgin, Illinois area and surrounding communities, ADH Insurance Agency, Inc handles disability insurance needs for local residents and professionals. This agency works to help clients protect their income by offering policies that can provide financial support during illness or injury. Understanding that each situation is unique, the agency focuses on presenting clear options and straightforward explanations. When handling a typical job, it takes the time to assess individual circumstances before recommending a suitable plan that addresses the client’s specific financial concerns.
Greg Metelak - State Farm Insurance Agent in Elgin, IL, offers both one-time policy consultations and recurring plan reviews for disability coverage. A disability insurance agent helps individuals replace lost income if an injury or illness prevents them from working. Coverage options protect a portion of earnings during a disability period, tailored to the client’s occupation and financial needs. Service for this practice typically runs on an as-needed basis, though periodic policy check-ins are available upon request through the local agency’s schedule.
Insurance Navy Brokers provides disability insurance agent services in Elgin, Illinois, helping individuals secure income protection policies for their specific needs. It guides local workers through the process of finding coverage that replaces lost wages if an injury or illness prevents them from performing their job duties. Whether navigating a new health diagnosis during flu season or preparing for the increased physical demands of summer construction work, the agency assists clients in safeguarding their financial stability against temporary or long-term disabilities.
Freeway Insurance serves Elgin, Illinois, and the surrounding Kane County communities. As a disability insurance agent, the company handles policies that provide income protection when clients are unable to work due to illness or injury. Working with individuals and families, the agent reviews coverage options that align with each client's specific occupational risks and financial needs. To handle a typical job, the agent begins by assessing the client's current income and existing benefits, then compares relevant policy terms to find a suitable plan.
As the seasons change in Elgin, residents often reconsider their financial protections, particularly against unexpected income loss from illness or injury. Pro Insurance Group, a local disability insurance agent, guides individuals through plans that replace a portion of income when work is impossible. This agency focuses on matching policy options to specific professional and personal circumstances, ensuring coverage aligns with daily living expenses. An initial consultation typically involves a review of current earnings and health history to assess available benefit structures.
Kirkpatrick, Jones & Herzog Insurance Agency, Inc., based in Elgin, IL, specializes in helping individuals and businesses secure disability insurance coverage. This work involves protecting income through policies that replace earnings when a policyholder cannot work due to illness or injury. They assist clients in understanding policy terms, benefit periods, and elimination periods suited to different income needs. The agency serves a variety of commercial sectors, including offices, warehouses, and food service operations.
Magnum Insurance Agency, based in Elgin, Illinois, helps clients understand the difference between employer-sponsored short-term disability plans and individually purchased long-term policies, both of which replace lost income during illness or injury. The agency guides applicants through coverage selection, from basic wage replacement to more robust plans that address specific occupational needs in the greater Elgin area. Service for consultations and policy management is provided on both a one-time and as-needed basis, with scheduled reviews available for existing clients.
What Does a a Disability Insurance Agent in Elgin Cost?
The cost of disability insurance in Illinois varies based on age, health, occupation, and benefit amount. For an individual policy, premiums typically range from 1% to 3% of your annual income. For example, a 35-year-old office worker might pay $50 to $150 per month for a policy covering 60% of income. Group plans through an employer are often cheaper, with premiums shared between you and your employer. This is general information and not insurance advice.
About disability insurance agents in Elgin
Disability insurance agents in Elgin, Illinois help residents protect their income if they become unable to work. Illinois does not require private disability insurance, but agents can guide you through group plans through employers or individual policies. Local agents understand the needs of workers in the Fox Valley area and can explain how Illinois state laws affect your coverage.
Frequently Asked Questions
Do I need disability insurance in Elgin, Illinois?
Illinois does not mandate private disability insurance, but it can replace a portion of your income if you cannot work due to illness or injury. Many employers offer group short-term and long-term disability plans. An agent can help you evaluate your personal risk and find a policy that fits your budget.
What types of disability insurance are available in Illinois?
The main types are short-term disability (STD) and long-term disability (LTD). STD typically covers 3 to 6 months, while LTD can last for years or until retirement age. Illinois also has a state-run Temporary Disability Insurance program for certain workers, but most private plans are offered through employers or purchased individually.
How does Illinois law affect disability insurance claims?
Illinois follows the Employee Retirement Income Security Act (ERISA) for employer-sponsored plans, which sets strict deadlines for filing claims and appeals. For individual policies, Illinois contract law applies. An agent can explain the difference and help you understand the time limits for submitting a claim.
Disability Insurance Agents in Other Illinois Cities
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