The top-rated disability insurance agent in Malden, Massachusetts is Paul T. Murphy Insurance, rated 4.8 stars across 220 reviews. Other highly rated options include Sharlene Wulleman: Allstate Insurance, Derek Witham Insurance Agency, Inc., Ken Hodas Insurance. This directory lists 16 disability insurance agents serving Malden.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Paul T. Murphy Insurance | 628 Broadway | (781) 321-9700 |
| 2 | Sharlene Wulleman: Allstate Insurance | 146 Commercial St | (781) 605-2629 |
| 3 | Derek Witham Insurance Agency, Inc. | 269 Broadway | (781) 322-2886 |
| 4 | Ken Hodas Insurance | 269 Broadway | (781) 868-4243 |
| 5 | Avanti Insurance Agency, Inc. | 17 Charles St | (781) 324-6301 |
| 6 | MANSOUR INSURANCE | 380 Pleasant St | (978) 278-5339 |
| 7 | Prescott & Son Insurance | 963 Eastern Ave | (781) 322-2350 |
| 8 | J. Mallon Insurance, LLC | 1 Centre St Ste 3B | (781) 321-2233 |
| 9 | Supino Insurance Agency, Inc. | 1012 Eastern Ave | (781) 322-2800 |
| 10 | Lister Insurance Agency Inc. | 963 Eastern Ave | (781) 393-9330 |
Paul T. Murphy Insurance serves the Malden, Massachusetts, area and surrounding metro communities as a disability insurance agent. The company helps clients review personal income protection needs and navigate policy options from various carriers. It assists individuals in selecting coverage that replaces lost wages during illness or injury. The agency also explains how disability benefits work with employer plans and private policies. It handles both short-term and long-term disability insurance policies.
Sharlene Wulleman: Allstate Insurance provides disability insurance agent services in Malden, Massachusetts, helping individuals protect their income through coverage plans. It offers ongoing policy management and support to ensure clients understand their benefits and maintain appropriate coverage as their needs change. The firm assists with claims guidance and policy reviews. It services a variety of properties including single-family homes, apartments, retail, and restaurants.
Derek Witham Insurance Agency, Inc. serves homeowners, landlords, and small business owners in Malden, MA, by advising them on disability insurance policies. The agency helps clients understand how disability coverage can protect personal income when illness or injury prevents them from working. It focuses on matching policy features to each individual’s occupation and financial responsibilities. Its service area also extends to nearby communities in the greater Boston metro, including Medford and Everett.
Ken Hodas Insurance serves Malden, Massachusetts, and the surrounding communities throughout the greater Boston area. The agency handles disability insurance coverage for individuals and families. It works to protect local clients’ income by offering policies that replace a portion of earnings if an illness or injury prevents them from working. To handle a typical job, it begins by assessing a client’s occupation and income needs, then recommends a suitable policy from standard providers while guiding the applicant through the underwriting process to secure the necessary coverage.
For residents of Malden, Massachusetts, Avanti Insurance Agency, Inc. operates as a dedicated disability insurance agent, helping clients distinguish between one-time policy purchases for immediate short-term needs and recurring coverage options that establish ongoing income replacement for long-term security. The agent assists individuals in selecting suitable protection plans that provide financial support should illness or injury prevent work. Service from this agency is available on an as-needed basis, tailored to whenever a client requires guidance or a new policy.
Mansour Insurance specializes in matching clients with disability income policies to protect earnings against illness or injury. The firm guides individuals through the complex terms of various plans, helping them secure coverage that aligns with their occupations and financial needs in the Malden area. It assesses each client’s monthly expenses and income sources to recommend appropriate benefit amounts. As winter weather increases slip-and-fall risks, the agency assists professionals in obtaining short-term disability protection for potential fractures or injuries sustained while commuting or working during Massachusetts snowstorms.
As the winter chill settles over Malden, workers often worry about how an injury or illness could affect their income. Prescott & Son Insurance addresses this concern by offering policies that replace a portion of earnings if a person cannot perform their job duties. The agency guides clients through the differences between short-term and long-term disability options, ensuring coverage aligns with their financial responsibilities. After an initial discussion, they schedule a straightforward review of current earnings and work requirements to determine eligibility.
J. Mallon Insurance, LLC assists individuals and businesses in finding disability insurance coverage in the Malden area. The agency specializes specifically in disability income protection, helping clients secure policies that replace earnings if they become unable to work due to illness or injury. The firm focuses on addressing the financial risks associated with unexpected health events. It serves a range of commercial sectors, including professional offices, warehouse operations, and food service establishments.
Supino Insurance Agency, Inc. serves residents of Malden, Massachusetts with disability insurance coverage tailored to individual needs. The agency also assists local businesses in securing commercial disability policies to protect their employees and operations. Their services extend throughout the Malden area, ensuring accessible support for clients seeking income protection. Between regular visits, the agency provides ongoing support and policy adjustments, reinforcing a commitment to consistent follow-up and reliable repeat service.
Lister Insurance Agency Inc. in Malden, MA, is known for guiding residents through disability insurance options. The agency helps local professionals secure income protection policies that cover illness or injury expenses. Its service range includes assessing individual coverage needs and explaining benefit terms. By focusing on the Greater Boston area, the firm assists with both short-term and long-term disability plans. It can also add on a rider for future purchase options, allowing clients to increase coverage later without a new medical exam.
What Does a a Disability Insurance Agent in Malden Cost?
Disability insurance agent services in Massachusetts typically do not charge a separate fee because agents earn commissions from the insurance carrier. Policy premiums vary widely based on age health occupation and benefit amount. For a 35 year old in a low risk job a policy might cost between 1% and 3% of annual income. High risk occupations or larger benefit amounts increase the cost. This is general information not insurance advice.
About disability insurance agents in Malden
Disability insurance agents in Malden Massachusetts help residents and small business owners select and manage disability income protection policies. Massachusetts state law requires certain employer-provided disability benefits under M.G.L. c. 152. A local agent can guide you through group and individual plans that comply with state regulations.
Frequently Asked Questions
What does a disability insurance agent in Malden do?
A disability insurance agent helps you compare policies from multiple carriers, explains coverage options, and assists with filing claims. They can also advise on Massachusetts specific rules such as the state mandated short term disability program.
How do I choose a disability insurance agent in Malden?
Look for an agent licensed in Massachusetts who has experience with both individual and group disability policies. Ask about their familiarity with Massachusetts insurance laws and their process for handling claim disputes.
Are there time limits for filing a disability claim in Massachusetts?
Yes, Massachusetts law generally requires you to notify your insurer within 30 days of becoming disabled. You must file a formal claim within 90 days. An agent can help you meet these deadlines and avoid delays.