The top-rated disability insurance agent in Farmington Hills, Michigan is Wolf-Chandler Agency, LLC, rated 4.9 stars across 140 reviews. Other highly rated options include Jay Swindle - State Farm Insurance Agent, AAA Insurance - Ali Insurance Agency, SSDC Services. This directory lists 15 disability insurance agents serving Farmington Hills.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Wolf-Chandler Agency, LLC | 30903 Northwestern Hwy Suite 260 | (248) 952-9500 |
| 2 | Jay Swindle - State Farm Insurance Agent | 30054 Orchard Lake Rd | (248) 888-1134 |
| 3 | AAA Insurance - Ali Insurance Agency | 29525 W Nine Mile Rd | (313) 992-0006 |
| 4 | SSDC Services | 24350 Orchard Lake Rd # 111 | (248) 204-4773 |
| 5 | Alvin Lynn Holistic Retirement | 25882 Orchard Lake Rd Suite 110-5 | (248) 633-5255 |
| 6 | Anne Insurance Group | 38345 W 10 Mile Rd # 230 | (248) 991-0016 |
| 7 | Davis Insurance Group LLC | 28499 Orchard Lake Rd Suite 1 | (586) 359-6836 |
| 8 | VTC Insurance Group - Farmington Hills | 37000 Grand River Ave #150 | (248) 471-0970 |
| 9 | United Insurance Services LLC | 28230 Orchard Lake Rd #203 | (248) 737-0022 |
| 10 | Your Benefits Solution LLC | 25882 Orchard Lake Rd #110 | (248) 703-9186 |
Wolf-Chandler Agency, LLC serves the Farmington Hills metropolitan area and surrounding communities as a dedicated disability insurance agent. The firm advises clients on protecting their income through individual disability policies tailored to various professional needs. They guide customers through the complex process of evaluating benefit periods, elimination periods, and occupation-specific coverage. The agency also assists with long-term and short-term disability plans to help safeguard earnings against unexpected health issues or injuries.
Jay Swindle, operating as a State Farm Insurance Agent in Farmington Hills, MI, provides a full spectrum of disability insurance options to address income protection needs. The agency offers personalized consultations to assess individual coverage requirements, followed by ongoing policy management and support for claims filing. Services are designed for both short-term and long-term disability scenarios, helping clients safeguard their earnings. Their approach includes regular policy reviews to ensure coverage adapts to life changes. The agency serves the needs of local single-family homes, apartments, retail locations, and restaurants.
AAA Insurance - Ali Insurance Agency serves homeowners, businesses, and property managers in Farmington Hills, Michigan, by offering disability insurance agent services designed to protect income when illness or injury prevents work. The agency helps clients understand policy options that replace a portion of lost earnings during a recovery period. It also coordinates with individual or group coverage needs to ensure sufficient protection. Additionally, the company serves the wider Oakland County metro area, including nearby communities such as Novi and West Bloomfield.
Located in Farmington Hills, Michigan, SSDC Services serves clients across the surrounding communities of southeastern Oakland County. The company handles disability insurance coverage for individuals seeking income protection due to illness or injury. Navigating the application and underwriting process can be complex, so it educates clients on policy terms and benefit options. It takes a straightforward, consultative approach to analyze each client’s occupation and income needs before presenting suitable policy choices for review.
In helping clients with disability insurance, Alvin Lynn Holistic Retirement presents both one-time policy purchases and ongoing plan management services as distinct options, ensuring appropriate coverage for wage replacement in Farmington Hills, MI. This local agent assists individuals in understanding difficult policy terms and comparing benefit structures essential for income protection. The varied activities within this office are coordinated on either a scheduled or as-needed basis, depending on the client’s specific circumstances.
Anne Insurance Group, located in Farmington Hills, MI, offers specialty services for disability insurance that focus on replacing lost income due to injury or illness. The company also provides general guidance on long-term and short-term disability policies, helping individuals and families in the area navigate coverage options. As a local agent, it assists with filing initial claims and understanding policy fine print. For residents preparing for flu season or winter weather risks, Anne Insurance Group helps review coverage before seasonal hazards increase injury likelihood.
Farmington Hills residents facing a sudden illness or injury often worry about replacing lost income during recovery. Davis Insurance Group LLC serves as a local disability insurance agent, helping clients review their current coverage and identify potential gaps in protection. The company focuses on explaining policy features such as benefit periods and waiting periods in clear terms. They guide individuals through comparing options from various carriers. An initial consultation typically begins with a thorough examination of the client’s employment situation and existing benefits.
VTC Insurance Group in Farmington Hills provides disability insurance agent services, helping individuals and businesses protect income against unexpected health events. They work to secure coverage for temporary or permanent disabilities, ensuring financial stability during recovery or adjustment. Common policies address short-term and long-term needs, supplementing employer benefits or offering direct coverage. Their clientele includes office staff, warehouse workers, and food service personnel, each requiring tailored risk assessments and policy structures to match varying occupational demands.
United Insurance Services LLC serves residents in and around Farmington Hills, Michigan, helping individuals secure disability coverage tailored to their income protection needs. The agency also assists local businesses with commercial disability insurance, ensuring comprehensive support for the broader community. In every case, policies are explained clearly to match each client’s circumstances. The agency maintains ongoing communication with clients and offers follow-up service between regular visits to update coverage as life changes.
What Does a a Disability Insurance Agent in Farmington Hills Cost?
Disability insurance agent services are typically paid through commissions from the insurance carrier so you do not pay a separate fee. Policy premiums in Michigan can range from 1 percent to 3 percent of your annual income depending on age health and coverage amount. Costs vary by case and policy features like benefit period and waiting period. This is general information and not insurance advice.
About disability insurance agents in Farmington Hills
Disability insurance agents in Farmington Hills Michigan help individuals and businesses secure income protection coverage. Agents can guide you through Michigan specific policy options and state regulations. Working with a local agent ensures you understand how Michigan disability benefits interact with private plans.
Frequently Asked Questions
What does a disability insurance agent in Farmington Hills do?
A disability insurance agent helps you compare policies from different carriers and find coverage that fits your needs. They explain policy terms like elimination periods and benefit durations. Agents also assist with filing claims and understanding Michigan state disability requirements.
How does Michigan law affect disability insurance policies?
Michigan does not require employers to provide short term disability insurance but some offer it voluntarily. Michigan law allows insurers to use a pre existing condition exclusion period of up to 12 months. Agents can help you navigate these rules when choosing a policy.
Can a disability insurance agent help with an appeal in Michigan?
Yes many agents assist with the initial claim process and can guide you on appeal steps. However for formal appeals or litigation you may need a lawyer. Michigan law gives you 180 days to appeal a denied claim under ERISA plans.
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