The top-rated disability insurance agent in Severna Park, Maryland is Lee Talbot - State Farm Insurance Agent, rated 4.9 stars across 407 reviews. Other highly rated options include Sean Garvey - State Farm Insurance Agent, Highstreet- Bye Insurance Agency, Moran Insurance. This directory lists 14 disability insurance agents serving Severna Park.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lee Talbot - State Farm Insurance Agent | 170 Ritchie Hwy | (410) 647-5900 |
| 2 | Sean Garvey - State Farm Insurance Agent | 529 Benfield Rd Suite 200 | (410) 647-7770 |
| 3 | Highstreet- Bye Insurance Agency | 238 Ritchie Hwy | (410) 544-4300 |
| 4 | Moran Insurance | 696 Ritchie Hwy | (410) 544-3422 |
| 5 | Performance Insurance Group | 238 Ritchie Hwy | (410) 674-9066 |
| 6 | Marty Lewis - State Farm Insurance Agent | 838 Ritchie Hwy Ste 3B | (410) 761-1144 |
| 7 | Patrick Hughes: Allstate Insurance | 815 Ritchie Hwy #116 | (410) 761-8873 |
| 8 | Eichhorn Insurance Agency | 535 Ritchie Hwy | (410) 544-9975 |
| 9 | Old Line Insurance Agency Inc | 811 Ritchie Hwy | (410) 255-2278 |
| 10 | Goosehead Insurance - Jeff Zimmerman & Vince Roussey | 815 Ritchie Hwy STE 207 | (410) 946-6725 |
Lee Talbot - State Farm Insurance Agent serves Anne Arundel County and the surrounding region of Severna Park, Maryland, offering disability insurance agent services. This agency assists individuals and families in protecting their income if they are unable to work due to illness or injury. Policies provided can help replace a portion of lost wages during recovery periods. The company specifically handles both short-term and long-term disability coverage options for local residents.
Sean Garvey - State Farm Insurance Agent in Severna Park, MD, provides disability insurance agents and related coverage options designed to protect income against unexpected illness or injury. Service or maintenance plans typically include policy reviews to adjust benefits as financial circumstances or health needs change. The territory it covers includes single-family homes, apartments, retail locations, and restaurants throughout the local area.
Homeowners, business owners, and property managers in Severna Park, MD, turn to Highstreet- Bye Insurance Agency for disability insurance agent services. The agency helps clients understand policy options that replace a portion of income if an illness or injury prevents them from working. Brokers assess individual coverage needs to recommend suitable short-term or long-term plans. The company also serves clients throughout the surrounding Anne Arundel County area, including nearby communities like Arnold and Millersville.
Moran Insurance serves Severna Park, Maryland, and the surrounding communities, handling individual disability insurance policies for residents in the region. It helps professionals secure income protection in case of illness or injury that prevents them from working. The agency guides clients through the application process, explaining policy terms and coverage options. It typically begins with a detailed consultation to assess the client’s occupation, income needs, and risk factors before recommending a suitable policy.
Performance Insurance Group in Severna Park, MD, distinguishes between one-time disability insurance policy purchases and recurring service options for ongoing coverage management. They assist local professionals and business owners in evaluating individual or group disability plans to protect income during illness or injury. Their services run on a scheduled basis for plan reviews and adjustments, with additional as-needed consultations for policy changes or claims support.
Marty Lewis - State Farm Insurance Agent offers specialized support for securing disability insurance coverage in the Severna Park, Maryland area. These services protect income if an injury or illness prevents a policyholder from working. As a local agency, it also helps clients with broader insurance needs like auto and homeowners policies. Approaching major life changes such as a new job or a growing family often prompts residents to review their need for this essential financial protection.
Patrick Hughes: Allstate Insurance in Severna Park, MD, offers general insurance services and specializes in disability insurance agent work. This area of protection helps policyholders secure a portion of their income should illness or injury prevent them from working. The agency guides clients through options for individual and group disability coverage, explaining policy details and waiting periods. It serves a range of local commercial sectors, including offices, warehouses, and food service operations.
As spring brings increased outdoor activity across Anne Arundel County, residents in Severna Park often consider how an unexpected injury could affect their income. Eichhorn Insurance Agency addresses this concern by helping local professionals secure disability insurance coverage tailored to their specific occupations. The agency guides clients through the process of selecting policies that replace a portion of earnings during medical leave. An initial assessment begins with a review of the individual’s current financial obligations and employer-provided benefits to determine appropriate coverage needs.
Old Line Insurance Agency Inc serves residents and businesses in Severna Park, Maryland, with disability insurance coverage for individuals and commercial entities. The agency assists local professionals in protecting their income against unforeseen illnesses or injuries. Commercial disability policies help safeguard business continuity and employee stability. Their service area includes the greater Annapolis region and surrounding Anne Arundel County communities. Returning clients often schedule periodic policy reviews to adjust coverage after major life changes or annual renewals.
Goosehead Insurance, serving Severna Park, Maryland, with agents Jeff Zimmerman and Vince Roussey, provides focused guidance on disability insurance policies. The agency assists local professionals and small business owners in understanding how income protection plans can safeguard their earnings during illness or injury. By evaluating personal risk factors and coverage needs, the team helps clients select appropriate policies that align with their financial situations. This localized service simplifies a complex insurance decision. As an added specialty, the agency can coordinate short-term disability riders to complement long-term plans.
What Does a a Disability Insurance Agent in Severna Park Cost?
The cost of disability insurance in Maryland typically ranges from 1% to 3% of your annual income for a policy that covers 60% of your salary. For example, a person earning $60,000 per year might pay between $600 and $1,800 annually. Premiums vary based on age, health, occupation, and benefit terms. This is general information and not insurance advice.
About disability insurance agents in Severna Park
Disability insurance agents in Severna Park, Maryland help individuals and business owners protect their income if they cannot work due to illness or injury. Maryland law requires certain policies to include a free look period of at least 10 days. Working with a local agent can simplify navigating state-specific regulations and claim processes.
Frequently Asked Questions
What does a disability insurance agent in Severna Park do?
A disability insurance agent helps you compare policies from different carriers, explains coverage options, and assists with filing claims. They can also help you understand Maryland laws that affect your policy, such as the state's definition of total disability.
How long do I have to file a disability claim in Maryland?
In Maryland, you typically have 30 days from the date of disability to notify your insurance company, though specific policy terms may vary. It is important to review your policy or ask your agent about exact deadlines to avoid claim denial.
Are disability insurance benefits taxable in Maryland?
If you pay the premiums with after-tax dollars, your disability benefits are generally tax-free. If your employer pays the premiums, benefits are usually taxable as income. Maryland follows federal tax rules for this treatment.
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