The top-rated disability insurance agent in Worcester, Massachusetts is A-Affordable Insurance Agency, Inc., rated 4.8 stars across 2,433 reviews. Other highly rated options include Mainstream Insurance Agency, Inc., Zawada Insurance Agency, Universal Insurance Agency Inc. This directory lists 30 disability insurance agents serving Worcester.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | A-Affordable Insurance Agency, Inc. | 70 Southbridge St | (508) 799-3900 |
| 2 | Mainstream Insurance Agency, Inc. | 704 Southbridge St | (508) 797-4500 |
| 3 | Zawada Insurance Agency | 52 Highland St | (508) 831-0133 |
| 4 | Universal Insurance Agency Inc | 374 Belmont St | (508) 752-9333 |
| 5 | HUB International | 292 Park Ave | (508) 755-3555 |
| 6 | Feingold Insurance Agency | 446 Main St Suite 1403 | (508) 831-9500 |
| 7 | Educators Insurance | 440 Lincoln St | (888) 908-6822 |
| 8 | Point Insurance - Worcester | 424 Belmont St | (508) 552-8066 |
| 9 | Insurance Marketing Agencies | Day Building, 306 Main St | (508) 753-7233 |
| 10 | Deland, Gibson Insurance Associates | 190 Park Ave | (508) 755-5200 |
A-Affordable Insurance Agency, Inc. provides disability insurance agent services for clients in Worcester, Massachusetts. It helps individuals and business owners assess their need for income protection in the event of illness or injury. The agency offers guidance on selecting appropriate policy terms and benefit periods. Service includes reviewing existing coverage to ensure it aligns with current financial obligations and employment circumstances. It assists with claims support as needed. A-Affordable Insurance Agency, Inc. serves professionals and workers in single-family homes, apartments, retail stores, and restaurants.
Mainstream Insurance Agency, Inc. serves clients in Worcester, Massachusetts and the surrounding central New England communities, handling disability insurance needs for local professionals and business owners. The agency focuses on policies that provide income replacement when an individual cannot work due to illness or injury. For a typical case, the agent reviews the client's occupation and current coverage, then compares multiple insurer options to find a suitable policy that aligns with the client's financial situation.
Zawada Insurance Agency in Worcester, Massachusetts supports clients seeking disability coverage by first distinguishing between one-time benefit policies that provide a lump sum after a waiting period and recurring monthly income plans that replace lost wages during a prolonged inability to work. Both options help safeguard financial stability. Agents guide individuals through plan selection and application procedures to align with personal needs and employment circumstances. Service runs on a scheduled basis for enrollment and ongoing policy adjustments or as-needed for claim inquiries and benefit reviews.
Universal Insurance Agency Inc in Worcester, Massachusetts focuses on helping individuals obtain disability income protection. It work to secure policies that replace lost wages when an injury or illness prevents a client from working. Standard services include assessing current coverage needs, comparing available plans from multiple insurers, and guiding applicants through underwriting requirements. The agency also assists with filing claims and reviewing existing policies for gaps. It can address pressing financial concerns when a sudden illness or seasonal injury disrupts a client's ability to earn a steady paycheck.
HUB International in Worcester, Massachusetts serves local businesses, homeowners, and property managers by providing disability insurance agent services designed to protect income and assets if an injury or illness prevents work. The company helps clients evaluate policy options that address short-term and long-term coverage needs. This work supports financial stability for property owners and small business operators across the metro. HUB International also extends its insurance agent services to residents and businesses in nearby Shrewsbury.
Feingold Insurance Agency provides professional guidance for individuals seeking income protection in Worcester, Massachusetts. Its work centers on helping clients evaluate disability insurance options to safeguard earnings against unexpected illness or injury. This independent office specializes in crafting supplemental coverage plans that address specific gaps in employer-sponsored benefits or individual policies. By understanding unique occupational risks and income requirements, the agency develops tailored strategies for long-term financial security. It serves a diverse commercial clientele, including workers in office environments, warehouse operations, and food service industries.
Educators Insurance provides residential disability insurance guidance for individuals in Worcester, Massachusetts, helping them protect their income in the event of illness or injury. The company also offers commercial disability insurance solutions for local businesses seeking to cover key personnel or group plans. Service extends throughout Worcester and the surrounding communities. Clients appreciate the thorough policy reviews conducted during each appointment, and the agents encourage follow-up visits scheduled between regular check-ins to address any evolving coverage needs.
In a region where unexpected illness or injury can disrupt a family’s steady income, Point Insurance in Worcester helps residents evaluate their need for disability coverage. The agency provides guidance on policies that replace a portion of lost wages during a period of recovery. Their focus in Worcester, Massachusetts, is on matching local workers with plans that fit individual budgets and employment situations. A typical initial assessment begins with a review of the client’s current income and any existing employer-sponsored benefits.
Insurance Marketing Agencies is a firm in Worcester, Massachusetts, known for helping clients navigate the complexities of disability income protection. The agency provides guidance on policies that replace a portion of lost earnings if illness or injury prevents work. In the local area, it serves professionals and small business owners seeking customized coverage options. Services commonly include evaluating existing plans and comparing carriers to align benefits with specific occupational risks. The company can also add on residual disability riders to offset partial income loss.
What Does a a Disability Insurance Agent in Worcester Cost?
Disability insurance premiums in Massachusetts typically range from 1% to 3% of your annual income for individual policies. For a 40 year old earning 60000 per year a policy might cost between 600 and 1800 annually. Group policies through employers are often cheaper. Costs vary based on age health occupation and benefit amount. This is general information not insurance advice.
About disability insurance agents in Worcester
Disability insurance agents in Worcester Massachusetts help individuals and businesses find coverage that protects income if you cannot work. Massachusetts law requires employers to provide short-term disability benefits through the Paid Family and Medical Leave program but private agents can fill gaps with supplemental plans. Local agents understand the Worcester job market and can guide you through policy options for both individual and group disability insurance.
Frequently Asked Questions
What does a disability insurance agent in Worcester do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your budget and needs. They explain benefit periods elimination periods and how Massachusetts state leave programs interact with private insurance. Agents also assist with filing claims and understanding policy terms.
Is disability insurance required in Massachusetts?
Massachusetts does not require individuals to buy private disability insurance. However employers must provide paid family and medical leave through the state PFML program which covers some disability needs. Many workers buy supplemental private policies to increase coverage beyond what the state provides.
How do I choose a disability insurance agent in Worcester?
Look for an agent who is licensed in Massachusetts and has experience with disability policies from multiple carriers. Ask about their familiarity with Worcester area employers and self employment scenarios. Check their reputation through the Massachusetts Division of Insurance website.