The top-rated disability insurance agent in Silver Spring, Maryland is Universal Insurance Group, rated 5.0 stars across 722 reviews. Other highly rated options include Chris Aguirre - State Farm Insurance Agent, Jeslling Montalvan - State Farm Insurance Agent, Carmen Moya - State Farm Insurance Agent. This directory lists 33 disability insurance agents serving Silver Spring.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Universal Insurance Group | 11161 New Hampshire Ave # 400 | (301) 360-4560 |
| 2 | Chris Aguirre - State Farm Insurance Agent | 8455 Colesville Rd Unit 970 | (301) 946-4446 |
| 3 | Jeslling Montalvan - State Farm Insurance Agent | 12121 Heritage Park Cir | (240) 669-4924 |
| 4 | Carmen Moya - State Farm Insurance Agent | 16 University Blvd E Suite B | (301) 960-1898 |
| 5 | HealthMarkets Insurance - Jonathan Saltzman | 12501 Prosperity Dr | (301) 377-2594 |
| 6 | United America Financial | 512 E Randolph Rd Suite D, E, F, G, H, I, J | (888) 213-5522 |
| 7 | Ashley Deadwyler-Jones - State Farm Insurance Agent | 12057 Tech Rd b | (301) 273-3205 |
| 8 | ERIE Insurance - Harders & Bradford Insurance Agency | 512 E Randolph Rd L | (301) 879-5900 |
| 9 | Nationwide Insurance: Won K. Kim Insurance Agency, Inc. | 12111 Heritage Park Cir | (301) 962-8300 |
| 10 | Dawn Insurance Group | 109 Claybrook Dr | (240) 729-8261 |
Universal Insurance Group serves the Silver Spring, Maryland metro area as a disability insurance agent. The company helps local professionals and independent workers secure coverage that replaces a portion of their income if they become unable to work due to illness or injury. Its agents guide clients through policy options, including own-occupation and guaranteed renewable plans, to match individual needs. Universal Insurance Group handles both short-term and long-term disability insurance applications.
Chris Aguirre - State Farm Insurance Agent in Silver Spring, MD, offers a range of disability insurance agent services, including helping individuals and business owners assess their income protection needs. The agency assists clients in reviewing existing policies to ensure coverage remains aligned with changing circumstances. Local services are tailored to urban and suburban properties within and around Silver Spring. The agency handles plans for single-family homeowners, apartment dwellers, retail operators, and restaurant owners.
Jeslling Montalvan - State Farm Insurance Agent serves homeowners, families, and individual professionals in Silver Spring, Maryland who need income protection coverage. The agency provides disability insurance policies designed to replace a portion of lost wages if injury or illness prevents work. Clients can discuss benefit periods, waiting periods, and policy riders to tailor plans for their financial situations. This office also works with small business owners looking to protect key employees. It offers services to residents throughout the Wheaton community and nearby areas of Montgomery County.
Carmen Moya, a State Farm Insurance agent serving Silver Spring, Maryland and the surrounding communities, handles disability insurance for local residents. This office helps clients understand how disability coverage can protect their income if an illness or injury prevents them from working. The agent works with individuals to review their specific employment situations and financial obligations. For a typical job, the agency first assesses a client’s current coverage and earnings, then recommends a policy that aligns with their personal risk factors and budget.
HealthMarkets Insurance - Jonathan Saltzman in Silver Spring, MD offers disability insurance agent services where clients can choose between a one-time policy consultation or recurring plan reviews to adjust coverage as circumstances change. This agency helps individuals understand how disability insurance protects income if illness or injury prevents work, tailoring options to local professional needs. Service operates on an as-needed basis, allowing policyholders to request assistance when life events or questions arise.
United America Financial provides disability insurance agent services in Silver Spring, Maryland, specializing in helping individuals secure income protection policies. It generally assists clients with evaluating coverage needs and comparing policy options from various carriers. The company focuses on addressing financial risks from unexpected injuries or illnesses that prevent work. During open enrollment periods, it helps residents adjust existing plans to changing health circumstances or income levels.
As spring brings seasonal employment shifts and increased outdoor activity, residents in Silver Spring often reassess their income protection needs. Ashley Deadwyler-Jones - State Farm Insurance Agent provides disability insurance services designed to replace a portion of lost earnings if illness or injury prevents someone from working. These policies help local workers, from federal employees to small business owners, maintain financial stability during recovery periods. To begin, the agent schedules a personal consultation to review current coverage gaps and assess eligibility for a tailored benefit plan.
ERIE Insurance - Harders & Bradford Insurance Agency provides disability insurance solutions for residents in Silver Spring, Maryland. The agency also assists local businesses with commercial disability coverage throughout the greater area. Their agents help clients understand policy options and income protection needs. After an initial consultation, policyholders can follow up to adjust coverage as life circumstances change, ensuring ongoing support between regular visits.
Nationwide Insurance: Won K. Kim Insurance Agency, Inc. in Silver Spring, MD is known for offering personalized disability insurance solutions to local professionals and businesses. The agency serves clients seeking income protection for illness or injury, providing guidance on policy options available in the area. It helps individuals and groups navigate coverage for short-term and long-term needs. For added support, the agency can layer on a supplemental rider for cost-of-living adjustments to future benefits.
What Does a a Disability Insurance Agent in Silver Spring Cost?
Disability insurance agent services in Maryland typically involve no direct fee to you, as agents earn commissions from the insurance company. Policy premiums vary widely based on age, health, occupation, and coverage amount, ranging from 1% to 3% of your annual income. For example, a 40-year-old professional might pay $100 to $300 per month for a policy covering 60% of income. This is general information, not insurance advice.
About disability insurance agents in Silver Spring
Disability insurance agents in Silver Spring, Maryland assist residents with securing income protection policies and navigating claims. Maryland law requires insurers to provide clear policy terms and timely claim decisions. Local agents understand the specific needs of professionals in the Washington DC metro area.
Frequently Asked Questions
What does a disability insurance agent in Silver Spring do?
A disability insurance agent helps you compare policies from multiple carriers and explains coverage options. They can also assist with filing claims and appealing denials under Maryland insurance regulations.
How long do I have to file a disability claim in Maryland?
Maryland law does not set a specific deadline for filing disability claims, but most policies require prompt notice. You should check your policy for time limits, as delays can affect benefits.
Are disability insurance premiums tax deductible in Maryland?
If you pay premiums with after-tax dollars, benefits are generally tax-free. If your employer pays premiums, benefits may be taxable. Consult a tax professional for your specific situation.
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