The top-rated disability insurance agent in Westborough, Massachusetts is Dolan & Maloney Insurance Agency, LLC, rated 4.8 stars across 145 reviews. Other highly rated options include D&O Insurance Agency, Gaudette Insurance Agency, Amica Mutual Insurance Company. This directory lists 13 disability insurance agents serving Westborough.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Dolan & Maloney Insurance Agency, LLC | 141 Turnpike Rd | (508) 366-4894 |
| 2 | D&O Insurance Agency | 125 Turnpike Rd Suite 6A | (508) 859-6950 |
| 3 | Gaudette Insurance Agency | 86 E Main St | (508) 366-8736 |
| 4 | Amica Mutual Insurance Company | 1 Research Dr #401b | (888) 702-6422 |
| 5 | Abode Insurance Agency | 21 E Main St | (508) 426-9872 |
| 6 | Secured Insurance Agency MA | 25 Brigham St | (508) 850-0450 |
| 7 | Safety Northeast Insurance Agency, Inc. | 45 E Main St Suite 9 | (508) 898-2902 |
| 8 | McGrath Advisors Inc. | 33 Lyman St Suite 301 | (508) 281-5890 |
| 9 | Smart Financial Lifestyle | 1500 W Park Dr Suite 100 | (800) 427-9781 |
| 10 | Health Plans, Inc. - Corporate Offices | 1500 W Park Dr #330 | (508) 752-2480 |
Dolan & Maloney Insurance Agency, LLC serves individuals and businesses in the Worcester County area from its location in Westborough, Massachusetts. The agency specializes in providing disability insurance agent services, helping clients secure income protection for unexpected medical situations. Their work includes evaluating options for both short-term and long-term disability coverage to match different professional needs. The firm assists with navigating policy details for self-employed professionals and small business groups requiring tailored benefits coordination.
D&O Insurance Agency in Westborough, MA provides disability insurance agent services, helping clients evaluate their income protection needs. It assists individuals in understanding policy options that offer financial stability in case of illness or injury. The agency also offers ongoing consultation to review coverage requirements as circumstances change. Its services support single-family homes, apartments, retail establishments, and restaurants.
Gaudette Insurance Agency serves individuals and businesses in Westborough, Massachusetts, and the surrounding Worcester County communities, handling disability insurance coverage needs. This agency helps clients secure income protection policies designed to replace a portion of earnings if injury or illness prevents them from working. It manages both short-term and long-term disability options to address different financial risk scenarios. For a typical job, it evaluates a client’s occupation, income level, and personal budget to recommend a policy with suitable benefit terms and elimination periods.
Serving homeowners, property managers, and small businesses in the Westborough area, Amica Mutual Insurance Company provides disability insurance agent services to help protect income in the event of illness or injury. The agency assists clients in reviewing policy options that align with their financial obligations and long-term goals. Disability coverage is important for those who rely on regular wages to maintain their lifestyle. The company also serves clients throughout the Worcester metro region, including nearby Shrewsbury and Northborough.
Abode Insurance Agency in Westborough, MA helps clients navigate the process of obtaining disability income protection, focusing on policies that replace a portion of lost earnings due to illness or injury. It provides personalized guidance to ensure coverage aligns with each individual’s financial situation. For professionals concerned about an unexpected health setback or a parent planning for recovery after maternity leave, the agency assists with selecting and enrolling in appropriate plans to maintain financial stability during a period of inability to work.
As the seasons change in Westborough, unexpected health issues can disrupt a steady income, making reliable disability insurance a key concern for many local professionals. Located to serve this community, Secured Insurance Agency MA works as a dedicated disability insurance agent. They focus on helping individuals assess their own coverage gaps and explore policy options that protect earnings during illness or injury. The typical process begins with a thorough initial assessment of the client’s current financial situation and employment needs.
Based in Westborough, Safety Northeast Insurance Agency, Inc. assists individuals and businesses with their disability insurance needs. The agency focuses on providing income protection through specialized disability policies that help replace lost wages due to illness or injury. It helps clients evaluate their coverage to ensure financial stability during recovery periods. Safety Northeast serves a variety of local commercial sectors, including offices, warehouses, and food service establishments.
McGrath Advisors Inc. offers disability insurance services to residential clients in Westborough, Massachusetts, helping individuals secure income protection for unexpected illness or injury. The agency also provides commercial disability coverage tailored for local business owners and their key employees. Their service area encompasses Westborough and the surrounding communities throughout Worcester County. Clients often return for policy reviews and updates between their regular annual financial check-ins, ensuring ongoing coverage remains aligned with personal or business circumstances.
Smart Financial Lifestyle in Westborough, MA is known for guiding clients through the complex process of securing income protection plans. The firm serves professionals and self-employed individuals across the region, helping them understand policy options that replace earnings during illness or injury. Coverage matters because a sudden disability can stop a paycheck. Agents explain benefit periods, elimination periods, and own-occupation clauses tailored to specific career risks. Adding a future increase option to a core policy allows coverage to rise with future income.
Health Plans, Inc. - Corporate Offices in Westborough offers clients access to disability insurance either through a single, one-time policy purchase or as part of a recurring service arrangement involving ongoing policy management. Coverage is designed to replace a portion of earned income if illness or injury prevents work. The firm’s services include policy review and claims assistance as needed. Service to clients runs on an as-needed basis.
What Does a a Disability Insurance Agent in Westborough Cost?
Typical costs for individual disability insurance in Massachusetts range from 1% to 3% of your annual income. For a 35 year old in a professional role a policy providing 60% income replacement may cost between 500 and 1500 dollars per year. Costs are higher for older applicants and for occupations with greater physical risk. This is general information and not insurance advice.
About disability insurance agents in Westborough
A disability insurance agent in Westborough Massachusetts can help you choose a policy that protects your income if you become unable to work. Massachusetts law requires employers to provide short-term disability benefits through the Paid Family and Medical Leave program but private policies offer additional coverage. An agent can explain how state benefits interact with individual disability insurance plans.
Frequently Asked Questions
What does a disability insurance agent in Westborough do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your needs. They explain policy terms like elimination periods and benefit periods. They also assist with filing claims and understanding your rights under Massachusetts law.
How does Massachusetts Paid Family and Medical Leave affect private disability insurance?
Massachusetts PFML provides partial wage replacement for up to 26 weeks of medical leave. A private disability insurance policy can supplement this benefit to replace a higher percentage of your income. An agent can help you coordinate private coverage with state benefits.
What factors affect the cost of disability insurance in Massachusetts?
Costs depend on your age, occupation, health history, and the benefit amount you choose. Policies with shorter waiting periods and longer benefit terms cost more. Massachusetts does not regulate premium rates for individual disability insurance so prices vary by carrier.