The top-rated disability insurance agent in Ludlow, Massachusetts is The Gomes Agency, rated 4.7 stars across 51 reviews. Other highly rated options include Regina Jasak Independent Insurance, HUB International, Ideal Insurance Agency, Inc.. This directory lists 11 disability insurance agents serving Ludlow.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Gomes Agency | 364 East St | (413) 610-1223 |
| 2 | Regina Jasak Independent Insurance | 193 Holyoke St | (413) 315-5775 |
| 3 | HUB International | 564 Center St | (413) 583-6424 |
| 4 | Ideal Insurance Agency, Inc. | 187 East St | (413) 589-0901 |
| 5 | Duke Insurance Brokerage, Inc. | 200 Center St STE 15 | (413) 583-2611 |
| 6 | The Dowd Insurance Agencies | 563 Center St #2499 | (413) 538-7444 |
| 7 | James F. Shea & Sons, LLC | 200 Center St STE 6 | (413) 547-8135 |
| 8 | Cunningham Insurance Agency Inc. | 398 East St | (413) 589-1616 |
| 9 | Ideal Insurance a member of Dowd Agencies, LLC | 563 Center St | (413) 589-0901 |
| 10 | Your Choice Insurance Agency | 190 East St | (413) 589-0192 |
The Gomes Agency serves Ludlow and surrounding Hampden County residents as a disability insurance agent. This company helps individuals and business owners secure coverage that replaces income when illness or injury prevents work. Policies through The Gomes Agency are designed to protect financial stability for policyholders and their families during periods of medical leave or temporary disability. The agency also guides clients through policy selection, application processes, and understanding benefit terms specific to short-term and long-term disability insurance plans.
Regina Jasak Independent Insurance provides disability insurance agent services in Ludlow, Massachusetts, guiding individuals through the complexities of income protection planning. The company helps clients evaluate different policy options, offering ongoing support to adjust coverage as needs or employment circumstances change. It also assists with the claims process, ensuring policyholders understand their benefits and documentation requirements. The agent serves single-family homeowners, apartment dwellers, retail workers, and restaurant employees who seek financial security against unexpected injury or illness that might disrupt their ability to earn an income.
HUB International operates as a Disability Insurance Agent serving clients in and around Ludlow, Massachusetts. The company assists individuals and businesses in securing disability income protection policies designed to replace lost wages due to illness or injury. These plans can be added to existing benefit packages to provide comprehensive coverage. HUB International works with various commercial sectors, including offices, warehouses, and food service establishments.
Individuals and families in Ludlow, MA, as well as local small business owners and property managers, rely on Ideal Insurance Agency, Inc. for disability insurance agent services. This agency helps clients navigate the complexities of income protection, evaluating personal coverage needs and policy options during periods of medical leave or injury. They assist with applications and policy management to ensure proper financial safeguards. The agency also extends its services to residents and businesses throughout the surrounding areas of Springfield and the broader Hampden County metropolitan region.
Working with Duke Insurance Brokerage, Inc., located in Ludlow, MA, means choosing between a single policy purchase or establishing an ongoing service arrangement. Their disability insurance coverage protects a portion of your income if an illness or injury prevents you from working. By matching potential benefits with your regular earnings, they help ensure financial stability during recovery periods. Clients may also discuss future modifications to their policy as their personal circumstances evolve. Service for this provider runs on an as-needed basis, allowing individuals to request consultations or policy reviews whenever they choose.
Serving Ludlow, Massachusetts, and the surrounding communities, The Dowd Insurance Agencies handles applications for disability insurance policies. This type of coverage ensures a portion of an individual’s income is replaced if an injury or illness prevents them from working. The agency guides clients through the process of comparing policy terms, such as elimination periods and benefit durations. For a standard case, it gathers the necessary financial and medical information to present suitable coverage options.
Offering tailored disability insurance guidance, James F. Shea & Sons, LLC in Ludlow, MA assists individuals in securing coverage that protects their income against unexpected health setbacks. The agency works with clients to evaluate different policy terms and benefit periods, helping to match plans with personal financial needs. This service is particularly valuable during periods of career change or after a serious illness, when reassessing existing disability provisions becomes essential to maintaining long-term financial security.
As residents of Ludlow face the uncertainties of an unexpected illness or injury, safeguarding their income becomes a pressing concern. Cunningham Insurance Agency Inc. connects local professionals with disability insurance agent services designed to protect their earnings during recovery. Their process begins with a thorough review, analyzing each client’s occupation and current coverage gaps. The initial step involves scheduling a personal consultation to assess specific financial needs and policy options.
Serving residents and business owners in and around Ludlow, Massachusetts, Ideal Insurance a member of Dowd Agencies, LLC functions as a disability insurance agent. This agency focuses specifically on helping clients secure income protection policies, which can provide financial support if a person is unable to work due to injury or illness. Their services assist in evaluating individual coverage needs, guiding clients through policy options from various carriers, and aiding in the application process. This work supports professionals in local offices, employees in area warehouses, and staff in food service establishments.
Your Choice Insurance Agency offers disability insurance to residents in Ludlow, Massachusetts, ensuring individuals have income protection for unexpected health events. Commercial coverage is available for local businesses seeking to safeguard their employees’ financial stability. The agency serves clients throughout Ludlow and nearby communities within Hampden County, providing tailored solutions for loss-of-income needs. Policies are reviewed and updated during scheduled consultations, with follow-up service provided between regular visits to address any changes in circumstances.
What Does a a Disability Insurance Agent in Ludlow Cost?
Costs for disability insurance in Massachusetts typically range from 1% to 3% of your annual income for a policy. For a 40 year old earning $60,000 per year, a policy might cost between $600 and $1,800 annually. Premiums depend on age, health, occupation, and benefit terms. This is general information, not insurance advice.
About disability insurance agents in Ludlow
Disability insurance agents in Ludlow, Massachusetts help individuals and businesses find coverage that meets their needs. Agents can explain how Massachusetts state law affects disability benefits, including the states paid family and medical leave program. Working with a local agent ensures you understand policy options and filing procedures specific to your area.
Frequently Asked Questions
What does a disability insurance agent in Ludlow do?
A disability insurance agent helps you compare policies from different carriers. They explain coverage limits, waiting periods, and benefit durations. They also assist with the application process and can answer questions about Massachusetts specific rules.
Do I need disability insurance in Massachusetts?
Massachusetts does not require private disability insurance, but many employers offer it. The state has a Paid Family and Medical Leave program that provides partial wage replacement. A private policy can supplement this to protect more of your income.
How do I choose a disability insurance agent in Ludlow?
Look for an agent licensed in Massachusetts with experience in disability coverage. Ask about their knowledge of local insurers and the states leave laws. Check their reputation with the Massachusetts Division of Insurance for any complaints.