The top-rated disability insurance agent in Hanover, Massachusetts is Richardson Insurance, rated 5.0 stars across 332 reviews. Other highly rated options include AP Insurance Group, Inc., Flaherty Insurance, Care Insurance MA. This directory lists 12 disability insurance agents serving Hanover.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Richardson Insurance | 205 Hanover St | (781) 826-5161 |
| 2 | AP Insurance Group, Inc. | 720 Washington St Suite 701 | (508) 992-3130 |
| 3 | Flaherty Insurance | 51 Mill St #12 | (781) 871-3323 |
| 4 | Care Insurance MA | 20 East St | (339) 203-9273 |
| 5 | Don Bunker Insurance | 51 Mill St | (781) 312-7206 |
| 6 | Jeff Carbone Insurance Inc | 1012 Washington St #1 | (781) 739-4222 |
| 7 | O'Donoghue Insurance Agency Inc | 788 Washington St | (781) 659-9988 |
| 8 | Conway Insurance Agency Inc. | 879 Washington St | (781) 826-3804 |
| 9 | CIB Insurance Services, LLC | 51 Mill St E-20 | (781) 709-0400 |
| 10 | Chartwell Insurance | 51 Mill St # E20 | (781) 709-0400 |
Richardson Insurance serves the Hanover, Massachusetts area and the surrounding communities as a dedicated disability insurance agent. The company helps local professionals and individuals understand and secure coverage designed to protect income against unexpected illness or injury. Their work involves guiding clients through the process of comparing different policies and plan options. Richardson Insurance specifically handles long-term disability insurance and short-term disability insurance needs within this region.
Based in Hanover, MA, AP Insurance Group, Inc. provides expert guidance for individuals and businesses seeking disability income protection. Its service offerings include initial policy analysis to identify coverage gaps and ongoing claims support to assist clients through the application process. The company also reviews existing plans to ensure they keep pace with changing income needs. It provides these services for a wide variety of clients, including professionals, single-family homeowners, apartment landlords, and owners of retail shops and restaurants.
Flaherty Insurance serves homeowners, businesses, and property managers in Hanover, Massachusetts, providing disability insurance agent services. It helps clients secure coverage that replaces lost income if they become unable to work due to illness or injury. The agency navigates policy options to build protection for both individuals and business owners. Understanding local employment and industry needs, it consults on short-term and long-term disability plans. Its service area also includes neighboring communities such as Norwell and the South Shore metro region.
Care Insurance MA serves clients in Hanover and the surrounding South Shore communities, assisting with applications for disability insurance policies that provide income protection during illness or injury. The company focuses on explaining different policy structures and coverage durations to help individuals make informed decisions. It reviews each client's occupation, income, and personal needs to match them with suitable plans from available insurers. For a typical job, the agent gathers financial details, compares policy options, and completes the application paperwork to align coverage with the client's specific circumstances.
Don Bunker Insurance in Hanover, MA offers disability coverage through both one-time policy purchases and recurring premium arrangements. Clients can choose a plan that replaces a portion of income if an injury or illness prevents work. The company helps individuals and local businesses compare benefit periods, elimination periods, and occupational definitions. Service is available on a scheduled appointment basis, with ongoing support for claims and policy adjustments.
Specializing in disability income protection, Jeff Carbone Insurance Inc in Hanover, MA assists local professionals and small business owners in planning for unexpected health events. The agency guides clients through policy options that replace lost earnings during recovery from illness or injury. Each plan is carefully matched to individual employment circumstances and financial goals. As colder winter months approach, the office helps those in construction and trades prepare for seasonal work disruptions that may lead to disability claims.
As the seasons change in Hanover, many workers reassess their financial protections against unexpected injuries or illnesses that could interrupt their income. O'Donoghue Insurance Agency Inc serves residents by explaining how disability insurance replaces lost wages during recovery periods. The agency reviews each individual’s occupation and existing benefits to recommend suitable policy structures from available providers. A straightforward consultation begins with an evaluation of current coverage gaps and monthly expenses.
Conway Insurance Agency Inc. operates in Hanover, Massachusetts, offering general insurance services to local residents and businesses. It specifically provides disability insurance agent work, helping clients secure income protection in the event of illness or injury. The agency assists individuals in understanding policy terms and comparing coverage options tailored to their needs. It serves a variety of commercial sectors, including offices, warehouses, and food service establishments.
Serving residential clients in Hanover and the surrounding South Shore area, CIB Insurance Services, LLC provides disability insurance coverage to protect individual incomes. They also assist local businesses by offering commercial disability policies for their employees and partners. Their service extends throughout the region, helping clients secure coverage that fits personal and professional needs. Clients often return for policy reviews and adjustments between regular visits to keep their plans aligned with changing circumstances.
Chartwell Insurance in Hanover, MA, is known for guiding individuals through the nuances of disability insurance to protect income against unexpected illness or injury. Its service range includes evaluating personal coverage needs and comparing policy options from major carriers. The agency assists professionals in the region with filling gaps often left by employer-sponsored plans, ensuring adequate long-term protection. A specialty service it can add on is tailored residual disability coverage, which helps partially offset lost earnings when a client returns to work after a partial disability period.
What Does a a Disability Insurance Agent in Hanover Cost?
The cost of disability insurance in Massachusetts typically ranges from 1% to 3% of your annual income per year. For a 35 year old in good health, a policy with a 90 day waiting period and benefits to age 65 might cost between $800 and $2,500 annually. Premiums vary based on age, health, occupation, and benefit amount. This is general information and not insurance advice.
About disability insurance agents in Hanover
A disability insurance agent in Hanover Massachusetts can help you understand policy options that protect your income if you become unable to work. Massachusetts law does not require employers to provide disability insurance, but many offer group plans through private carriers. An agent can explain how state specific rules like the Massachusetts Paid Family and Medical Leave program interact with private disability policies.
Frequently Asked Questions
What does a disability insurance agent in Hanover do?
A disability insurance agent helps you compare policies from different carriers, explains coverage terms, and assists with the application process. They can also help you understand how your policy coordinates with Massachusetts Paid Family and Medical Leave benefits.
How long does it take to get disability insurance in Massachusetts?
The application process typically takes 2 to 6 weeks depending on your health history and the amount of coverage requested. Some policies may have a waiting period of 30 to 90 days before benefits begin.
Can I buy disability insurance if I am self employed in Hanover?
Yes, self employed individuals in Massachusetts can purchase individual disability insurance policies. An agent can help you find a plan that covers your specific occupation and income level.