The top-rated disability insurance agent in Lexington, Massachusetts is Encharter Insurance, rated 4.6 stars across 30 reviews. Other highly rated options include Bettinson Insurance Agency, Top Level Insurance, Tonry Insurance Group, Inc. - Lexington. This directory lists 10 disability insurance agents serving Lexington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Encharter Insurance | 1646 Massachusetts Ave | (888) 754-8299 |
| 2 | Bettinson Insurance Agency | 394 Lowell St STE 5 | (781) 648-0128 |
| 3 | Top Level Insurance | 186 Bedford St | (781) 862-8675 |
| 4 | Tonry Insurance Group, Inc. - Lexington | 238 Bedford St STE 3 | (781) 861-1800 |
| 5 | AssuredNext Insurance | 33 Bedford St STE 12 | (617) 826-1177 |
| 6 | Larson Insurance | 109 Massachusetts Ave | (781) 646-9200 |
| 7 | Sartori Insurance | 76 Bedford St STE 37 | (781) 861-6900 |
| 8 | Fessenden & Sykes Insurance | 74 Bedford St # 2 | (781) 861-1560 |
| 9 | NEFI Insurance | 283 Bedford St #2 | (617) 924-1000 |
| 10 | Salem Five Insurance Services, LLC | 1666 Massachusetts Ave Suite L | (781) 862-7700 |
Encharter Insurance, based in Lexington, offers both one-time policy evaluations and ongoing service for disability income protection, specializing in coverage that replaces a portion of lost earnings if injury or illness prevents work. The firm assists local professionals, including medical and legal practitioners, in selecting appropriate policy terms and riders to suit their income needs. Service runs on either a one-time consultation or an as-needed basis for existing clients.
Bettinson Insurance Agency serves Lexington, Massachusetts, and the surrounding Middlesex County area as a disability insurance agent. The company helps local professionals and business owners understand how disability coverage can protect their income during an unexpected illness or injury. It assists clients in reviewing policy options that align with their specific occupational risks and financial needs. The agency handles both short-term and long-term disability insurance solutions.
Top Level Insurance offers a range of disability insurance agent services for individuals and businesses in the Lexington, MA area. The company assists clients in selecting and maintaining disability income protection policies, helping to safeguard earnings against unforeseen illness or injury. Service plans include policy reviews to ensure coverage aligns with changing needs. The firm provides these services for a variety of local properties, including single-family homes, apartments, retail locations, and restaurants.
Working with Lexington homeowners, landlords, and small business owners, Tonry Insurance Group, Inc. provides disability insurance agent services to help protect earned income during illness or injury. The company assists clients in customizing long-term disability plans to meet specific coverage needs. Tonry Insurance Group also serves the greater Middlesex County area, including the neighboring communities of Arlington and Winchester.
AssuredNext Insurance serves Lexington, Massachusetts, and the surrounding communities throughout Middlesex County. The agency handles individual and group disability insurance policies to help protect local professionals and small business owners against income loss due to illness or injury. It assesses each client’s occupation, income, and specific coverage needs before recommending appropriate policy options. From initial consultation to claim support, the agency manages each case by comparing products from multiple carriers to find suitable terms.
Larson Insurance in Lexington, MA assists individuals in distinguishing between one-time policy purchases and recurring coverage plans, ensuring clients understand the long-term financial implications of each approach. As a disability insurance agent, the company focuses on helping residents protect their income against unexpected illness or injury. Service is provided on a scheduled or as-needed basis, allowing for ongoing policy adjustments or periodic reviews without any commitment to a fixed timeline.
Sartori Insurance provides specialized disability insurance services, including individual long-term and short-term disability coverage for local professionals and small business owners. The agency guides clients through policy selection and application processes focused on protecting income during unexpected illnesses or injuries. It also assists with benefit analysis for employer-sponsored group plans in the Lexington area. Navigating the higher claims volume often seen during regional flu seasons is a particular challenge where this agency helps secure client protections.
For Lexington residents who have recently changed jobs or are starting a family, securing income protection against illness or injury becomes a pressing concern. Fessenden & Sykes Insurance serves as a disability insurance agent, helping clients in the Lexington area navigate policy options that replace a portion of lost wages during recovery. They guide individuals through the specific benefit terms, elimination periods, and occupational definitions tailored to local professionals. An initial assessment is conducted by reviewing current coverage gaps and personal employment details to determine appropriate plan structure.
NEFI Insurance works with individuals and businesses in and around Lexington to locate disability income protection coverage appropriate to varying situations. As a dedicated disability insurance agent, the company focuses specifically on helping policyholders secure coverage that can replace a portion of lost earnings due to illness or injury. It assists with both short-term and long-term plans tailored to different professional needs. The firm serves commercial sectors including offices, warehouses, and food service establishments.
As a disability insurance specialist, Salem Five Insurance Services, LLC in Lexington, Massachusetts, designs income protection plans tailored to individual clients and local professionals. It coordinates these benefits with employer-provided coverage and social safety nets to ensure comprehensive wage replacement during illness or injury. The agency emphasizes proactive policy reviews and consultation on waiting periods. It also assists Massachusetts residents in addressing coverage gaps before peak flu season or anticipated medical leave begins.
What Does a a Disability Insurance Agent in Lexington Cost?
The cost of disability insurance in Massachusetts typically ranges from 1% to 3% of your annual income for a policy that covers 60% to 70% of your salary. For example, a person earning $60,000 per year might pay between $600 and $1,800 annually. Costs depend on your age, health, occupation, and the policy terms. This is general information and not insurance advice.
About disability insurance agents in Lexington
Disability insurance agents in Lexington help individuals and businesses find coverage that protects income if you become unable to work. Massachusetts law requires certain employers to provide short-term disability benefits through the Paid Family and Medical Leave program. An agent can guide you through private policies that supplement these state benefits.
Frequently Asked Questions
What does a disability insurance agent in Lexington do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your needs. They explain policy terms, exclusions, and waiting periods. They also assist with filing claims and understanding your benefits under Massachusetts law.
Is disability insurance required in Massachusetts?
Massachusetts does not require private disability insurance for individuals. However, most employers must provide paid family and medical leave through the state PFML program. A private disability insurance agent can help you get additional coverage beyond what the state provides.
How long does it take to get approved for disability benefits in Massachusetts?
Approval times vary by policy and insurer. Private disability insurance claims are typically reviewed within 30 to 60 days. For state PFML benefits, the Department of Family and Medical Leave aims to process claims within 14 days of receiving all required information.