The top-rated disability insurance agent in Lansing, Michigan is Farmers Insurance - Sarah Schafer, rated 4.9 stars across 199 reviews. Other highly rated options include Kevin Damesworth at the David Chapman Agency, Harmon Insurance Group, Diversified Insurance Group. This directory lists 20 disability insurance agents serving Lansing.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Sarah Schafer | 6540 Millennium Dr #180 | (517) 580-8135 |
| 2 | Kevin Damesworth at the David Chapman Agency | 5700 W Mt Hope Hwy Suite 2 | (517) 319-8223 |
| 3 | Harmon Insurance Group | 3815 W St Joseph St Suite A-350 | (517) 285-9074 |
| 4 | Diversified Insurance Group | 1901 E Michigan Ave | (517) 908-3999 |
| 5 | Rathbun Insurance | 529 W Saginaw St | (517) 482-1316 |
| 6 | Mid Michigan Medicare | 7201 W Saginaw Hwy Suite 114 | (517) 300-2101 |
| 7 | Logan Insurance Group | 2722 E Michigan Ave Suite 202 | (517) 349-5757 |
| 8 | Payne Insurance Agency | 3410 Belle Chase Way #300 | (517) 321-6624 |
| 9 | David Chapman Agency | 5700 W Mt Hope Hwy | (517) 321-4600 |
| 10 | Centennial Group | 608 S Washington Ave Suite 200 | (800) 606-0062 |
Farmers Insurance - Sarah Schafer serves clients throughout Lansing, Michigan, providing disability insurance agent services to help individuals protect their income in the event of an illness or injury. This agency focuses on explaining policy options that replace a portion of earnings when a person cannot work. Disability insurance can cover short-term and long-term needs. The company helps residents evaluate their personal coverage requirements and select appropriate plans. Among the specific services this agency handles in the Lansing area are long-term disability insurance and short-term disability insurance policies.
Homeowners, businesses, and professionals in Lansing work with Kevin Damesworth at the David Chapman Agency for individual and group disability insurance coverage. The agency assists clients in securing income protection policies that replace a portion of earnings if illness or injury prevents them from working. These policies are tailored to different occupations and income levels across the area. The firm also serves clients in the greater East Lansing metro and surrounding Ingham County communities.
Harmon Insurance Group provides a range of services related to disability insurance for individuals and businesses in the Lansing area. It assists clients in evaluating coverage options designed to protect income in the event of an illness or injury. The company helps with policy comparisons and can assist with ongoing policy maintenance or claims support. Its team serves professionals and workers across various residence and business types, including single-family homes, apartments, retail shops, and local restaurants.
Diversified Insurance Group serves residents of Lansing, Michigan, by securing disability insurance coverage that protects income in case of injury or illness. The agency also structures commercial disability policies for local businesses to safeguard their employees and operations against unexpected health setbacks. Service extends throughout the greater Lansing area, ensuring access for both individuals and company clients. After initial policy placement, Diversified Insurance Group provides scheduled check-ins to adjust coverage as circumstances evolve, with follow-up service available between regular visits to address any changes in needs.
Rathbun Insurance serves the Lansing, Michigan area and surrounding communities, handling disability insurance needs for local residents. The agency assists clients in understanding policy options that protect income when illness or injury prevents work. A typical job begins with a thorough review of an individual’s occupation and monthly expenses to identify suitable coverage levels. The agency then presents clear comparisons of plan features and exclusions from multiple carriers, helping applicants select and complete the appropriate paperwork for their specific financial protection requirements.
As a disability insurance agent in Lansing, Michigan, Mid Michigan Medicare specializes in helping individuals secure income protection policies. It generally assists clients in the greater Lansing area with navigating private disability coverage options. The firm guides residents through policy comparisons for short-term and long-term plans. It helps address financial concerns that arise during seasonal slowdowns in local industries, such as winter furloughs that affect many Michigan workers.
Logan Insurance Group is known for helping individuals and families in Lansing, Michigan, navigate disability income protection to safeguard their earnings. The agency provides guidance on selecting appropriate policies that replace a portion of income if illness or injury prevents work. Serving local professionals, self-employed individuals, and small business owners, it assists with evaluating coverage needs and comparing plan options from major insurers. For clients seeking additional security, the agency can arrange a future increase option to adjust benefits as income grows over time.
Payne Insurance Agency in Lansing, MI, is known for helping individuals and families navigate disability insurance options to protect their income. The agency works with clients to assess coverage needs and understand policy features that apply to local employment and health circumstances. These plans can provide financial support during recovery from illness or injury. In addition to standard disability policies, the agency can assist with modifying existing coverage when a client transitions to self-employment or part-time work.
In Lansing, where winter weather and unpredictable job shifts can interrupt income, reliable protection is a recurring concern. David Chapman Agency provides guidance on disability insurance options designed to safeguard earnings during illness or injury. Their consultations help local professionals and small business owners understand policy features such as benefit periods and elimination periods. An initial assessment of a client’s current coverage and financial obligations is completed to determine suitable policy structures, ensuring each plan addresses specific income-replacement needs.
What Does a a Disability Insurance Agent in Lansing Cost?
Disability insurance premiums in Michigan typically range from 1% to 3% of your annual income. For a 40 year old non-smoker a policy with a 90 day elimination period might cost $50 to $150 per month. Costs vary based on age health occupation and benefit amount. This is general information not insurance advice.
About disability insurance agents in Lansing
Disability insurance agents in Lansing Michigan help individuals and businesses secure income protection. Michigan law does not require employers to offer disability insurance but many do. A local agent can explain how Michigan short-term and long-term disability policies work with state benefits.
Frequently Asked Questions
What does a disability insurance agent in Lansing do?
A disability insurance agent helps you compare policies from different carriers. They explain policy terms like elimination periods and benefit amounts. They do not handle claims but can guide you on coverage options.
Is disability insurance required in Michigan?
Michigan does not require private disability insurance. However workers may qualify for Michigan state disability benefits through the Michigan Employment Security Act. A private policy can supplement these benefits.
How do Michigan disability benefits affect a private policy?
Most private policies reduce your benefit by the amount you receive from state programs like Michigan workers compensation or Social Security. An agent can show you how these offsets work in your policy.
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