The top-rated disability insurance agent in Elizabethtown, Kentucky is Jarred Butler - State Farm Insurance Agent, rated 4.9 stars across 611 reviews. Other highly rated options include Neil Atcher - State Farm Insurance Agent, Mike Wyman - State Farm Insurance Agent, Kelly Ryan Cleaver - State Farm Insurance Agent. This directory lists 20 disability insurance agents serving Elizabethtown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jarred Butler - State Farm Insurance Agent | 322 W Dixie Ave | (270) 737-7777 |
| 2 | Neil Atcher - State Farm Insurance Agent | 230 Buford Ln Suite 104 | (270) 737-2255 |
| 3 | Mike Wyman - State Farm Insurance Agent | 2801 Ring Rd | (270) 769-1511 |
| 4 | Kelly Ryan Cleaver - State Farm Insurance Agent | 3100 Ring Rd #109 | (270) 234-8200 |
| 5 | Unity Insurance Agency | 1507 N Dixie Hwy #116 | (270) 506-3957 |
| 6 | Chris Grinstead: Allstate Insurance | 112 N Mulberry St | (270) 765-7129 |
| 7 | Shelter Insurance - Jamie Martin | 407 N Mulberry St | (270) 766-1113 |
| 8 | Skees & Shipp Insurance | 1793 Leitchfield Rd | (270) 769-1951 |
| 9 | Houchens Insurance Group | 410 Ring Rd | (270) 737-2828 |
| 10 | Burris Insurance Agency - A Division of Independent Agents of KY | 240 W Dixie Ave Suite 1 | (270) 765-7774 |
Neil Atcher - State Farm Insurance Agent serves the Elizabethtown, Kentucky, area as a disability insurance agent. The company helps individuals and families secure coverage that provides income protection if an illness or injury prevents them from working. Policies are designed to replace a portion of lost wages during recovery. This agency assists clients in evaluating short-term and long-term disability insurance options that match their professional needs and personal budgets. It handles both employer-sponsored group plans and individual disability policies tailored to local residents.
Mike Wyman - State Farm Insurance Agent in Elizabethtown, KY, provides disability insurance services that help protect income in the event of an injury or illness. Policy options are designed to replace a portion of earnings during recovery, with service plans including initial consultations to assess coverage needs and ongoing policy reviews to adjust for life changes. There are no additional quotations, rebates, or promotional claims involved. The agency services single-family homes, apartments, and local retail businesses seeking income protection solutions for their working residents.
Homeowners and self-employed professionals in Elizabethtown consult Kelly Ryan Cleaver’s State Farm agency for disability insurance coverage that replaces income if illness or injury prevents them from working. The agency explains various policy options and benefit periods to help individuals protect personal finances against long-term loss of earnings. Local small business owners also receive guidance on insuring key employees against disability risks. The agency additionally serves clients in surrounding areas such as Radcliff and the greater Hardin County region.
Unity Insurance Agency in Elizabethtown, KY assists clients by offering both one-time consultations for policy reviews and recurring service options for ongoing coverage adjustments. They focus on disability insurance, which provides income protection when an individual cannot work due to illness or injury. Their process typically involves evaluating local employment risks and financial needs to recommend suitable plans. Support is available on a scheduled basis, with periodic check-ins to update coverage as personal circumstances change.
Serving Elizabethtown, Kentucky, and the surrounding communities, Chris Grinstead: Allstate Insurance provides disability insurance agent services. This agency handles disability insurance policies designed to protect income if an individual is unable to work due to injury or illness. In this region, coverage options accommodate various professional needs and personal financial situations. The agency generally begins each job by assessing a client’s specific employment circumstances and income requirements, then matching those needs with appropriate policy terms.
As winter weather and seasonal employment shifts often disrupt income for residents in Elizabethtown, Kentucky, Shelter Insurance - Jamie Martin provides disability insurance agent services tailored to local needs. The agency helps individuals understand how policy options protect earnings during illness or injury, emphasizing the importance of securing financial stability. A thorough initial consultation is scheduled to review each client's specific employment situation and coverage requirements before any recommendation is made.
Skees & Shipp Insurance assists clients in Elizabethtown, Kentucky, with navigating income protection solutions as a Disability Insurance Agent firm. Their core work involves helping individuals secure policies that replace a portion of earnings during periods of inability to work due to illness or injury. Specialized services include evaluating short-term and long-term disability options tailored to specific professional needs. The agency serves a range of commercial sectors, including local offices, warehouses, and food service operations.
Serving Elizabethtown, Kentucky, Houchens Insurance Group specializes in helping individuals secure disability income protection policies. The agency also provides general guidance for clients assessing their need for coverage against lost wages due to injury or illness. Disability insurance agents here work to clarify policy terms, waiting periods, and benefit amounts for local professionals. This service proves especially valuable when a sudden injury or seasonal layoff threatens a household's primary income stream during recovery.
What Does a a Disability Insurance Agent in Elizabethtown Cost?
The cost of disability insurance in Kentucky typically ranges from 1% to 3% of your annual income. For a 40 year old earning 50000 per year a policy might cost between 500 and 1500 annually. Factors like age occupation health status and benefit amount affect the premium. Kentucky does not set rate caps so prices vary by carrier. This is general information not insurance advice.
About disability insurance agents in Elizabethtown
Disability insurance agents in Elizabethtown Kentucky help individuals and businesses find coverage that protects income if injury or illness prevents work. Kentucky law requires insurers to follow specific claim handling rules under KRS 304. Agents can explain policy options and assist with applications. Local agents understand the regional job market and can tailor plans for workers in manufacturing healthcare and education sectors common in Hardin County.
Frequently Asked Questions
What does a disability insurance agent in Elizabethtown do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your budget and occupation. They explain policy terms like elimination periods benefit amounts and definition of disability. Agents also assist with filing claims and answering questions about Kentucky insurance regulations.
Is disability insurance required in Kentucky?
Kentucky does not require individuals to carry disability insurance. However some employers offer group disability coverage as a benefit. Self-employed workers and those without employer coverage often purchase individual policies to protect their income.
How do Kentucky laws affect disability insurance claims?
Kentucky insurance law KRS 304 sets standards for claim handling and requires insurers to act in good faith. If a claim is denied the policyholder has the right to appeal and may file a complaint with the Kentucky Department of Insurance. Agents can guide you through the claims process and help ensure your rights are protected.
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