Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Massachusetts before hiring.
Showing 5 disability insurance agents in Billerica, MA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Merrimack Valley Insurance Agency
655 Boston Rd #1a, Billerica, MA 01821
(978) 667-2541
cabotrisk.com
James O'Connell Insurance Agency
572 Boston Rd UNIT 7, Billerica, MA 01821
(978) 667-6150
oconnellins.com
Durable Insurance LLC
520 Boston Rd, Billerica, MA 01821
(351) 203-0412
PKA Insurance Group, Inc.
505 Middlesex Turnpike UNIT 16, Billerica, MA 01821
(800) 258-1018
pkainsurance.com
Willis Personal Lines
296 Concord Rd, Billerica, MA 01821
(978) 458-1275
What Does a Disability Insurance Agent in Billerica Cost?
Disability insurance agent services are usually paid through commissions from the insurance carrier, not directly by the client. Policy premiums in Massachusetts typically range from 1% to 3% of annual income for a standard plan. For a 40-year-old earning 60,000 per year, that could mean 600 to 1,800 annually. Costs vary by situation and depend on benefit amount, elimination period, and occupation class. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a disability insurance agent in Billerica do?
A disability insurance agent helps you find a policy that fits your needs. They explain policy terms, exclusions, and waiting periods. They do not provide legal advice but can help you compare plans from different carriers.
How does Massachusetts PFML affect private disability insurance?
Massachusetts Paid Family and Medical Leave provides partial wage replacement for up to 26 weeks. Private disability insurance can supplement PFML benefits. An agent can help coordinate private coverage with state benefits to avoid gaps.
What is the typical cost for disability insurance in Massachusetts?
Costs vary by age, health, occupation, and benefit amount. For a 40-year-old in a low-risk job, a policy may cost 1% to 3% of annual income. Higher-risk occupations or larger benefits increase the premium.