The top-rated disability insurance agent in Hagerstown, Maryland is Lauren Brenneman - State Farm Insurance Agent, rated 5.0 stars across 515 reviews. Other highly rated options include Younger Insurance Agency, Bowers Insurance, Scott Powell - State Farm Insurance Agent. This directory lists 20 disability insurance agents serving Hagerstown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lauren Brenneman - State Farm Insurance Agent | 1201 Potomac Ave | (301) 790-1600 |
| 2 | Younger Insurance Agency | 1945 Dual Hwy | (240) 527-2344 |
| 3 | Bowers Insurance | 1380 Dual Hwy | (301) 791-7910 |
| 4 | Scott Powell - State Farm Insurance Agent | 816 Virginia Ave | (240) 420-2886 |
| 5 | Wright-Gardner Insurance | 100 W Antietam St | (301) 733-1234 |
| 6 | Antietam Insurance Associates, Inc. | 940 Frederick St | (301) 733-0895 |
| 7 | Youngbar Financial & Insurance Agency | 1850 Dual Hwy Suite 102 | (301) 271-8811 |
| 8 | Blue Ridge Risk Partners | 1120C Professional Blvd | — |
| 9 | Cumberland Valley Insurance Inc. | 18537 Maugans Ave | (301) 797-6480 |
| 10 | Baker Insurance Agency of Hagerstown | 927 S Potomac St | (301) 733-9606 |
Lauren Brenneman - State Farm Insurance Agent serves the Hagerstown, MD area. The agency provides disability insurance agent services to local residents and workers. It helps clients understand how disability coverage can protect their income if an illness or injury prevents them from working. The agency also assists with policy options that align with individual financial needs and employment situations. Customer consultations are available to review plan terms and claims processes. Specific services handled here include short-term and long-term disability insurance for individuals and families.
Younger Insurance Agency in Hagerstown, Maryland provides professional disability insurance agent services to individuals and local businesses, offering guidance on long-term and short-term disability policies to protect income during illness or injury. Its service approach includes policy review for existing coverage and tailored plan recommendations that help clients select appropriate benefit periods and elimination periods. The agency services residential property owners, operators of apartment complexes, retail stores, and restaurants throughout Hagerstown and surrounding communities.
Bowers Insurance serves homeowners, business owners, and self-employed professionals in Hagerstown, Maryland, providing disability insurance to protect their income and financial stability. The agency helps clients understand how disability coverage can bridge the gap during an illness or injury that prevents them from working. It also assists local businesses in setting up group disability plans for their employees. Since each situation is different, Bowers Insurance reviews individual needs to recommend appropriate policies. The agency extends its services to clients in the surrounding Washington County area as well.
Scott Powell - State Farm Insurance Agent serves Hagerstown, Maryland, and the surrounding communities of Washington County. The agency handles disability insurance, which helps replace a portion of income if a client is unable to work due to illness or injury. It works with both short-term and long-term policy options to address different levels of coverage need. To handle a typical job, the agent first reviews the client’s occupation, current income, and existing benefits to recommend a suitable policy structure.
Clients of Wright-Gardner Insurance in Hagerstown, MD may choose either a single consultation for immediate policy guidance or an ongoing service arrangement for continuous coverage management. The agent helps individuals navigate disability insurance options, which protect income if a client cannot work due to illness or injury. Local workers in the area rely on these policies to replace lost earnings during recovery. Service is available for this Hagerstown-based firm on an as-needed basis, accommodating client requests either for a one-time appointment or for longer-term support.
Antietam Insurance Associates, Inc. specializes in disability insurance solutions for professionals in the Hagerstown area. It also provides general guidance on navigating policies that protect income during unexpected illness or injury. Working with local residents, it helps clients assess individual coverage needs and understand policy provisions. As many people face seasonal workforce shifts or medical leaves, the company assists clients in securing coverage that addresses such temporary or recurring disruptions to employment and household income.
As the seasons change and local workers face unexpected health challenges in Hagerstown, MD, securing income protection becomes a priority. Youngbar Financial & Insurance Agency helps area professionals navigate disability insurance options that replace lost earnings during recovery. They discuss policy types, elimination periods, and benefit durations relevant to common regional occupations in healthcare, trades, and small business. The initial step involves a free assessment of current coverage gaps and financial obligations to determine a suitable plan for individual circumstances.
Cumberland Valley Insurance Inc. of Hagerstown, MD is known for helping individuals and businesses secure disability insurance coverage to protect their income. The company assists clients in navigating policies that provide financial support if an injury or illness prevents them from working. Working in the local area, the agency understands the importance of safeguarding earning potential against unexpected medical setbacks. For those with specialized occupations or higher income levels, the company can arrange additional coverage options such as guaranteed renewable or own-occupation disability policies.
Baker Insurance Agency of Hagerstown serves the Hagerstown, Maryland area, offering disability insurance agent services to local individuals and businesses. As a dedicated agent, the company helps clients understand how disability coverage can protect income during an illness or injury. They guide policyholders through the process of selecting plans that align with personal financial situations and professional needs. This agency handles applications for short-term disability benefits and coordinates long-term coverage options for self-employed professionals.
What Does a a Disability Insurance Agent in Hagerstown Cost?
Disability insurance agent services in Maryland are usually commission-based, meaning you do not pay a separate fee for their help. Policy costs vary widely: a young healthy applicant might pay $40 to $80 per month for a $2,000 benefit, while an older or higher-risk applicant could pay $150 to $300 or more for similar coverage. Maryland law does not set premium rates, so prices differ by carrier. This is general information and not insurance advice.
About disability insurance agents in Hagerstown
Disability insurance agents in Hagerstown help residents and businesses secure income protection policies. Maryland law requires agents to be licensed by the Maryland Insurance Administration. Local agents understand the unique needs of workers in Washington County and can explain how state disability benefits interact with private plans.
Frequently Asked Questions
What does a disability insurance agent in Hagerstown do?
A disability insurance agent helps you compare policies from different carriers and choose coverage that fits your income and occupation. They explain policy terms, exclusions, and waiting periods. Agents do not provide legal advice but can help you understand your options under Maryland insurance regulations.
How does Maryland law affect disability insurance policies?
Maryland has specific rules for disability insurance, including mandated maternity coverage and a 30-day free look period for individual policies. The state also requires insurers to provide clear explanations of policy renewability and cancellation terms. Agents must follow these laws when presenting policies to clients.
What is the typical cost for disability insurance in Maryland?
Costs vary based on age, health, occupation, and benefit amount. A typical individual policy for a 40-year-old office worker might range from 1% to 3% of annual income. For a $3,000 monthly benefit, premiums often fall between $50 and $150 per month. These are estimates only.
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