The top-rated disability insurance agent in Winthrop, Massachusetts is John M. Biggio Ins Agency, rated 4.7 stars across 36 reviews. Other highly rated options include Winthrop Insurance Inc., Robert M DeGregorio Insurance, OneFuture Insurance MA. This directory lists 10 disability insurance agents serving Winthrop.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | John M. Biggio Ins Agency | 399 Winthrop St | (617) 846-8600 |
| 2 | Winthrop Insurance Inc. | 4 Putnam St | (339) 204-6737 |
| 3 | Robert M DeGregorio Insurance | 34 Woodside Ave | (617) 846-3313 |
| 4 | OneFuture Insurance MA | 15-21 Pauline St | (617) 433-9205 |
| 5 | Gagin Insurance Agency | 2 Somerset Ave | (617) 846-0091 |
| 6 | Welsh & Parker Insurance Agency | 57 Putnam St | (617) 846-0731 |
| 7 | Boyd Insurance Agency | 207 Hagman Rd | (617) 846-9728 |
| 8 | Meridian Insurance Agency, LLC | 207 Hagman Rd | (617) 567-5710 |
| 9 | Terry Vazquez Public Insurance | 49 Adams St | (617) 846-6309 |
| 10 | New York Life | 207 Hagman Rd | (617) 846-0630 |
John M. Biggio Ins Agency, serving Winthrop, Massachusetts and the surrounding area, works with clients to secure appropriate disability insurance coverage. By helping residents understand policy options, the company assists them in protecting their income against unexpected illness or injury. It offers guidance through the selection of both short-term and long-term disability insurance plans. This agency handles personal disability insurance for individuals and employer-sponsored group disability policies for local businesses.
Winthrop Insurance Inc., based in Winthrop, MA, provides disability insurance agent services to clients in the local area. Its representatives guide individuals through policy selection, helping them understand coverage options for income protection in case of illness or injury. The company offers ongoing support for existing policies, including claims assistance and plan adjustments as needs change over time. Its services are available for single-family homes, apartments, retail properties, and restaurants.
Robert M DeGregorio Insurance serves homeowners, businesses, and property managers in Winthrop, Massachusetts who need to protect their income against unexpected disability. The agency helps clients understand the different coverage options available for short-term and long-term income replacement. Each policy is carefully matched to the client’s profession and financial obligations. Guidance is provided through the application process and when filing claims. This disability insurance agent also covers the neighboring community of East Boston and other areas throughout the greater Boston metro region.
OneFuture Insurance MA serves clients throughout Winthrop and the surrounding North Shore communities. As a disability insurance agent, the firm handles applications for individual and group disability income policies. It works with local professionals who need protection against income loss due to illness or injury. The company also assists self-employed residents with tailored coverage options. To handle a typical job, it begins by reviewing a client’s current employment situation and then compares plan features from multiple carriers to match specific needs.
Gagin Insurance Agency in Winthrop, MA helps local residents distinguish between one-time disability insurance policies, which provide coverage for a single defined period, and recurring options that offer ongoing protection with renewable terms. Both types address income loss from injury or illness, ensuring financial stability during recovery. Services are available on either a one-time basis for those needing short-term solutions or as scheduled consultations for clients who require periodic policy reviews and adjustments.
Welsh & Parker Insurance Agency specializes in disability insurance, offering coverage that protects an individual’s income if they become unable to work due to illness or injury. The Winthrop-based agent works with local clients to design policies suited to various professional and personal circumstances. Guiding residents through the enrollment process, it helps ensure financial stability during recovery. This assistance is particularly valuable when adjusting coverage before open enrollment periods or after a significant change in employment.
As winter weather increases the risk of slips and falls in Winthrop, residents often consider how an injury might affect their income. Boyd Insurance Agency responds by offering disability insurance policies designed to replace a portion of lost earnings during recovery from accidents or illness. This local agent helps clients evaluate different benefit periods and elimination periods to match their financial situation. A typical initial step involves a no-obligation review of current coverage to identify any gaps in protection.
Serving the Winthrop area, Meridian Insurance Agency, LLC specializes in disability insurance, helping individuals secure income protection for unexpected illness or injury. The agency focuses on this specific coverage to tailor policies that address potential long-term financial gaps during recovery periods. Disability insurance agents in the region typically assist clients in evaluating benefit periods and elimination periods. Meridian Insurance Agency, LLC works with a variety of commercial sectors, including offices, warehouses, and food service operations, to provide guidance on these essential coverage options.
Terry Vazquez Public Insurance provides disability insurance services to residential clients in Winthrop, Massachusetts. The agency also extends commercial disability coverage for local businesses needing employee protection. Service focuses on clients throughout the Winthrop area and surrounding communities. Their work helps individuals and business owners secure income replacement in case of illness or injury. The agent returns to review any changes in a policyholder’s situation during regular intervals between scheduled meetings, ensuring adjusted coverage as personal or occupational circumstances evolve.
For one-time disability insurance option, an agent helps a client select a single policy, while the recurring model provides ongoing policy reviews and adjustments as income or needs change. Coverage focuses on protecting a portion of earned income if illness or injury prevents work, with local agents in Winthrop, Massachusetts, guiding clients through benefit periods and waiting terms. New York Life supports this area as a Disability Insurance Agent. Service runs on an as-needed basis for policy claims or life changes, plus scheduled annual check-ins to reassess coverage.
What Does a a Disability Insurance Agent in Winthrop Cost?
The cost of disability insurance in Massachusetts typically ranges from 1% to 3% of your annual income. For a 35-year-old earning $60,000 per year, a policy might cost between $600 and $1,800 annually. Factors like age, health, occupation, and benefit amount affect the premium. This is general information, not insurance advice.
About disability insurance agents in Winthrop
Disability insurance agents in Winthrop, Massachusetts help individuals and businesses find the right coverage to protect income if injury or illness prevents work. Massachusetts requires employers to provide paid family and medical leave through the state PFML program, but private disability policies can offer additional protection. A local agent can explain how state law interacts with private plans and guide you through policy options.
Frequently Asked Questions
What does a disability insurance agent in Winthrop do?
A disability insurance agent helps you compare and purchase short-term or long-term disability policies. They explain coverage limits, waiting periods, and benefit amounts based on your income and occupation. They also assist with claims and understanding policy exclusions.
Is disability insurance required in Massachusetts?
Massachusetts does not require private disability insurance for individuals. However, employers must participate in the state Paid Family and Medical Leave program, which provides partial wage replacement. A private policy can supplement this state benefit.
How do Massachusetts laws affect disability insurance claims?
Massachusetts law sets strict time limits for filing disability insurance claims, typically within 30 days of the disability. The state also prohibits discrimination based on pre-existing conditions in group plans. An agent can help you understand these rules when choosing a policy.