The top-rated disability insurance agent in Lawrence, Massachusetts is A-Affordable Insurance Agency, Inc., rated 4.6 stars across 280 reviews. Other highly rated options include Silverio Insurance Agency, Mill City Insurance, Ruby Insurance Agency. This directory lists 12 disability insurance agents serving Lawrence.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | A-Affordable Insurance Agency, Inc. | 69 Winthrop Ave Unit B | (978) 686-3455 |
| 2 | Silverio Insurance Agency | 10 S Broadway | (978) 685-0209 |
| 3 | Mill City Insurance | 290 Merrimack St #115 | (978) 686-3400 |
| 4 | Ruby Insurance Agency | 46 Stafford St Ste. 2962 | (978) 655-3208 |
| 5 | Walter Insurance | 86 Broadway | (978) 683-3645 |
| 6 | Elite Insurance Agency | 505 Broadway | (351) 207-1321 |
| 7 | Broadway Plaza Insurance Agency | 310 Broadway | (978) 685-3771 |
| 8 | Essex Insurance Agency | 599 Canal St 1w suite 1 | (978) 377-9666 |
| 9 | PEREZ Insurance and Financial Services, LLC | 17 McKinley Ave | (978) 258-5021 |
| 10 | Greater Lawrence Insurance | 510 Essex St | (978) 683-4177 |
A-Affordable Insurance Agency, Inc. serves residents in Lawrence, Massachusetts with disability insurance policies that protect income during illness or injury. The agency also arranges commercial coverage for local businesses seeking to safeguard their employees and operations. Service extends throughout the Lawrence area, ensuring accessible support for policyholders. Clients often return for policy reviews or adjustments following changes in employment or health status, with the agency offering follow-up guidance between regular visits.
Silverio Insurance Agency in Lawrence, Massachusetts specializes in helping local workers secure disability coverage to replace income during illness or injury. The agency guides clients through the process of selecting private individual plans, which can supplement employer-based group benefits or provide standalone protection for the self-employed. They also assist business owners in structuring policies that cover key personnel. Their service range includes consultation on short-term and long-term disability options. Additionally, the agency offers help pairing disability plans with critical illness insurance for added financial security.
Mill City Insurance serves the Essex County area, including Lawrence, Massachusetts, as a dedicated disability insurance agent. It helps individuals and businesses understand coverage options that protect income if illness or injury prevents work. The firm explains how disability policies supplement savings and employer benefits. It guides clients through the application process, clarifying terms like elimination periods and benefit durations. Specific services include assisting self-employed workers in finding short-term disability plans and advising on long-term disability coverage for employee groups.
Ruby Insurance Agency serves the Lawrence, Massachusetts area and the greater Merrimack Valley region as a disability insurance agent. The company helps local clients navigate the process of securing income protection plans. It provides guidance on policies that replace lost wages if an illness or injury prevents work. These services assist professionals in fields such as healthcare and construction. Ruby Insurance Agency handles short-term disability coverage and long-term disability insurance for individuals in this region.
Walter Insurance provides disability insurance agent services to individuals and businesses in the Lawrence, MA area. It helps clients evaluate their income protection needs and select appropriate plans to cover a portion of their wages in the event of an illness or injury. The company also assists with policy maintenance, including periodic reviews to adjust coverage as personal or financial circumstances change. It services single-family homes, apartments, retail establishments, and restaurants.
Elite Insurance Agency serves Lawrence, Massachusetts, and the surrounding Merrimack Valley communities. It handles disability insurance policies designed to replace a portion of an individual’s income if an injury or illness prevents them from working. The agency assists clients in navigating the complexities of both short-term and long-term coverage options. It generally works by first assessing a client’s current income, occupation, and personal financial obligations to recommend a suitable plan from available carriers.
Broadway Plaza Insurance Agency serves homeowners, businesses, and property managers in Lawrence, Massachusetts, by helping them explore disability insurance options. This coverage provides income protection if an illness or injury prevents work. The agency works to clarify policy terms and evaluates different plans to suit individual budgets and needs. It assists clients from initial inquiry through the application process, ensuring they understand their chosen coverage. Its service area also extends into the neighboring community of Methuen, offering the same support to residents and businesses there.
Essex Insurance Agency in Lawrence, Massachusetts distinguishes between one-time consultations for new or updated disability policies and ongoing relationship-based service for existing clients. Coverage options offered help replace a portion of lost income when an individual cannot work due to injury or illness. Agents assist with evaluating policy terms from various carriers to match individual needs. Service is provided on a scheduled basis for regular policy reviews and also on an as-needed basis for urgent claims or policy changes.
As spring projects ramp up across Lawrence, homeowners and small business owners often seek to protect their income from unexpected health setbacks. PEREZ Insurance and Financial Services, LLC provides disability insurance agent services to help clients secure a portion of their earnings if they become unable to work due to illness or injury. The company reviews each individual’s occupation, current income, and personal financial obligations to tailor coverage recommendations. An initial consultation begins with a no-obligation interview to assess the applicant’s specific risk exposure and benefit needs.
Specializing in disability insurance, Greater Lawrence Insurance helps clients secure income protection plans that replace a portion of their earnings if they are unable to work. It generally assists individuals and local businesses in Lawrence, MA with evaluating policy options for short-term and long-term coverage needs. This work involves guiding clients through federal and employer-based benefits coordination. The agency often addresses concerns during open enrollment periods or when clients face a sudden change in health status that shifts their disability risk.
What Does a a Disability Insurance Agent in Lawrence Cost?
Disability insurance premiums in Massachusetts typically range from 1% to 3% of your annual income. For a 40 year old earning 60000 per year a policy might cost between 600 and 1800 annually. Costs depend on age health occupation and benefit amount. This is general information not insurance advice.
About disability insurance agents in Lawrence
Disability insurance agents in Lawrence Massachusetts help individuals and businesses protect their income. They guide clients through group and individual disability policies. Massachusetts law does not require employers to provide disability insurance but some local employers offer it as a benefit.
Frequently Asked Questions
What does a disability insurance agent in Lawrence do?
A disability insurance agent helps you choose a policy that replaces part of your income if you cannot work due to illness or injury. They explain policy terms and compare plans from different carriers. They also assist with filing claims and understanding your coverage.
Is disability insurance required in Massachusetts?
Massachusetts does not require private disability insurance for most workers. However the state has a Temporary Disability Insurance program that provides partial wage replacement for non-work related injuries. A private agent can help you supplement this with additional coverage.
How long do I have to file a disability claim in Massachusetts?
Massachusetts law does not set a specific deadline for filing private disability claims. Policy contracts usually have their own time limits often 30 to 90 days after the disability begins. Check your specific policy or ask your agent for details.