The top-rated disability insurance agent in New Bedford, Massachusetts is Humphrey Covill & Coleman Insurance Agency, Inc, rated 4.9 stars across 237 reviews. Other highly rated options include Paul & Dixon Insurance, Point Insurance - New Bedford, Tetrault Insurance Agency, Inc. This directory lists 23 disability insurance agents serving New Bedford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Humphrey Covill & Coleman Insurance Agency, Inc | 195 Kempton St | (508) 997-3321 |
| 2 | Paul & Dixon Insurance | 388 County St | (508) 996-8593 |
| 3 | Point Insurance - New Bedford | 157 Popes Island | (833) 280-6080 |
| 4 | Tetrault Insurance Agency, Inc | 4317 Acushnet Ave | (508) 995-8365 |
| 5 | Philip G David & Son Insurance Agency | 877 Mt Pleasant St | (508) 995-5580 |
| 6 | McKay Insurance Agency | 3393 Acushnet Ave | (508) 998-0002 |
| 7 | Help-U-Insure | 2148 Acushnet Ave | (508) 998-0321 |
| 8 | Southcoast Insurance Group | 374 Dartmouth St | (508) 999-0368 |
| 9 | Gilbert J. Costa Insurance Agency | 811 Ashley Blvd | (508) 995-6492 |
| 10 | Hughes Insurance Agency | 928 Ashley Blvd | (508) 997-0077 |
Humphrey Covill & Coleman Insurance Agency, Inc provides disability insurance agent services for individuals and businesses throughout New Bedford and Bristol County. The agency helps clients understand policy options that replace a portion of lost income due to illness or injury. They guide applicants through the evaluation of plan features, benefit periods, and waiting periods. Specific services include assessing short-term disability coverage needs and comparing long-term disability policies for local professionals and small business owners.
Paul & Dixon Insurance helps clients in New Bedford, MA distinguish between one-time disability coverage evaluations, designed for a single policy purchase, and recurring service options that offer ongoing policy reviews and adjustments as needs change. Coverage can be structured to protect a portion of income against illness or injury. The service runs on a scheduled basis, with prearranged check-ins to reassess the insured’s evolving financial situation and policy terms.
Point Insurance - New Bedford serves homeowners, renters, and local business owners in the region who need to protect their income against unexpected illness or injury. The agency helps clients navigate disability insurance options, explaining policy features and coordinating coverage that fits individual financial situations and employment circumstances. Guidance is provided for both short-term and long-term disability needs, with an emphasis on understanding benefit periods and elimination periods. The agency also extends its services to clients throughout the greater Fall River metropolitan area.
Tetrault Insurance Agency, Inc serves New Bedford, Massachusetts and the surrounding South Coast communities, specializing in disability insurance. The agency handles both short-term and long-term disability policies designed to replace income when a client cannot work due to illness or injury. It works with individuals and local businesses to assess coverage needs. For a typical job, the company begins by evaluating a client’s current income and occupation, then compares policy options from multiple carriers to find a plan that fits their budget and health situation.
The Philip G David & Son Insurance Agency in New Bedford provides specialty services in disability insurance, helping clients secure income protection against unforeseen medical conditions. The agency generally works with local individuals to evaluate coverage options, ensuring policies align with their financial needs and employment situations. It assists clients with understanding policy terms and filing claims. As spring approaches, many self-employed contractors and small business owners consult the agency to safeguard their earnings during peak seasonal work.
In coastal New Bedford, seasonal work shifts can create gaps in income protection for many residents. McKay Insurance Agency addresses this by explaining how disability insurance can replace a portion of lost earnings during recovery from illness or injury. The agent reviews both short-term and long-term policy options to help local workers design a plan that fits their specific employment situation and budget. Every client begins with a no-obligation initial assessment to identify their coverage needs and current level of risk.
Help-U-Insure in New Bedford, MA serves local residents with disability insurance coverage, working to protect personal income against illness or injury. The agency also offers policies tailored for small commercial clients, helping area businesses secure their workforce. Service extends throughout New Bedford and surrounding Bristol County communities. Disability insurance clients are given ongoing support tailored to changing needs, and the agency routinely follows up with policyholders between their regular scheduled visits to review any coverage adjustments.
Southcoast Insurance Group in New Bedford, Massachusetts works with individuals to secure income protection through disability insurance policies. This agent specializes in helping clients add supplemental coverage to existing plans, ensuring a more comprehensive financial safety net during periods of injury or illness. The company can assist offices requiring employee benefits, warehouses needing customized group policies, and food service businesses seeking affordable coverage options.
Gilbert J. Costa Insurance Agency is known for guiding individuals in New Bedford, MA, through the process of securing disability insurance coverage. It helps clients assess their income protection needs and matches them with suitable policies from various carriers. The agency explains the key differences between short-term and long-term disability plans, including benefit periods and elimination periods. It periodically reviews existing coverage to ensure it keeps pace with life changes. The business also assists clients with adding a residual disability rider to their policy.
Hughes Insurance Agency in New Bedford, Massachusetts specializes in providing disability income protection policies for local professionals and small business owners. It generally assists clients in navigating the application process and selecting suitable coverage terms to replace lost wages during illness or injury. This agency frequently addresses concerns about long-term financial stability and mortgage continuation during extended recovery periods following common seasonal accidents or flu complications.
What Does a a Disability Insurance Agent in New Bedford Cost?
Typical costs for disability insurance in Massachusetts range from 1% to 3% of your annual income. For a 50,000 dollar annual salary a policy might cost 500 to 1,500 dollars per year. Factors like age occupation and health affect the premium. This is general information not insurance advice.
About disability insurance agents in New Bedford
Disability insurance agents in New Bedford Massachusetts help individuals and businesses find coverage that protects income if you cannot work. Massachusetts law requires employers to provide paid family and medical leave through the PFML program but private disability insurance can offer additional benefits. A local agent can explain how state benefits interact with private policies.
Frequently Asked Questions
What does a disability insurance agent in New Bedford do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your needs. They explain policy terms such as elimination periods and benefit amounts. They also assist with filing claims and understanding Massachusetts PFML rules.
Do I need disability insurance if I have Massachusetts PFML?
Massachusetts PFML provides partial wage replacement for up to 26 weeks but it may not cover your full income. Private disability insurance can supplement PFML benefits. An agent can help you decide based on your income and job type.
How long does it take to get a disability insurance policy in Massachusetts?
The application process usually takes two to six weeks depending on your health history and the policy type. Some policies require a medical exam. An agent can expedite the process by gathering your documents in advance.