The top-rated disability insurance agent in Shelby Township, Michigan is SWITCH Insurance Group, rated 4.8 stars across 308 reviews. Other highly rated options include Health Insurance Experts LLC, Filliccia Insurance Agency, Lifetime Insurance Services. This directory lists 17 disability insurance agents serving Shelby Township.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | SWITCH Insurance Group | 7857 25 Mile Rd Suite 103 | (248) 636-4200 |
| 2 | Health Insurance Experts LLC | 4037 S Lake | (248) 840-2074 |
| 3 | Filliccia Insurance Agency | 50551 Van Dyke Ave | (248) 537-4040 |
| 4 | Lifetime Insurance Services | 7857 25 Mile Rd Suite 103 | (888) 376-4364 |
| 5 | Green Valley Insurance Agency | 50258 Van Dyke Ave C | (586) 580-3663 |
| 6 | Cvetkovski Financial LLC | 49136 Van Dyke Ave | (586) 477-4983 |
| 7 | Core Insurance Group | 50787 Corporate Dr | (248) 847-2673 |
| 8 | Custom Ins Agency | 50551 Van Dyke Ave | (586) 935-6110 |
| 9 | Hilb Group | 45600 Village Blvd | (586) 799-6000 |
| 10 | K. J. Rusak & Associates Inc.: Allstate Insurance | 13711 23 Mile Rd | (586) 463-0800 |
SWITCH Insurance Group serves Shelby Township and the greater Macomb County area as a disability insurance agent. The company assists local residents in securing income protection coverage designed to replace a portion of earnings if an injury or illness prevents them from working. Policy options typically include both short-term and long-term disability plans tailored to individual needs. The agency guides clients through underwriting requirements and policy selections. SWITCH Insurance Group specifically handles plans for chronic pain conditions and recovery from major surgeries.
Health Insurance Experts LLC in Shelby Township, MI, offers assistance with disability insurance policies designed to replace a portion of lost income when illness or injury prevents work. It also provides evaluations of existing coverage and support for claims navigation. The company advises clients on coordinating disability benefits with other financial plans. Services are available for single-family homes and apartments, as well as retail businesses and restaurants.
Filliccia Insurance Agency assists homeowners, businesses, and property managers in Shelby Township, MI with securing disability insurance coverage. They help clients understand policy options that replace income if injury or illness prevents them from working. The agency guides individuals through the application process to find suitable short-term or long-term plans. Covering the Shelby Township area, Filliccia Insurance Agency also serves clients in surrounding Macomb County communities such as Utica.
Lifetime Insurance Services serves Shelby Township, Michigan, and the surrounding Macomb County communities. The agency specializes in helping professionals secure disability insurance to protect their income in the event of an illness or injury. It handles both short-term and long-term disability policies for individuals and small business owners. To complete a typical job, it begins by analyzing a client’s existing coverage gaps, then presents policy options from multiple insurers before facilitating the application process.
Green Valley Insurance Agency in Shelby Township, MI advises clients on the difference between short-term disability policies, which provide one-time income replacement for a temporary condition, and long-term plans that offer recurring monthly benefits through extended illness or recovery. Coverage options are tailored to address lost wages, often through employer-sponsored group arrangements or individual contracts protecting personal income. Service consultation and ongoing policy management are available on a scheduled or as-needed basis.
Cvetkovski Financial LLC assists individuals and businesses in Shelby Township, Michigan, with securing disability insurance coverage. The firm focuses on income protection plans that replace a portion of lost earnings due to illness or injury. Its work often involves evaluating policy riders for additional benefits such as residual or future purchase options. The company can serve commercial sectors including offices, warehouses, and food service operations that seek tailored group or individual disability policies for their workforce.
Core Insurance Group is known for guiding Shelby Township residents through the complex process of obtaining disability income protection, offering personalized consultations to evaluate individual occupational and financial needs. The agency works with local clients to identify suitable coverage options that safeguard against income loss due to illness or injury. This service range also includes long-term benefit comparisons and application assistance. For shorter-term protection needs, the firm can add on a complementary policy review for supplemental accident coverage.
In Shelby Township, MI, workers facing a sudden illness or injury often need to protect their income during recovery. Custom Ins Agency serves this local need by offering disability insurance agent services that help residents replace lost wages when they cannot work. The agency guides clients through policy options that cover short-term or long-term disabilities, ensuring financial stability during unpredictable health events. An initial consultation typically involves a review of the client’s current coverage and employment situation to assess their specific protection needs.
Hilb Group provides disability insurance agency services for residents in Shelby Township, Michigan. Commercial disability coverage is also offered for local businesses needing income protection solutions. The service area extends throughout the Shelby Township region and surrounding communities. New policy consultations are handled with attention to individual or business-related disability needs. Follow-up service for claims support or policy adjustments is available between regular visits, ensuring ongoing assistance for existing clients.
K. J. Rusak & Associates Inc.: Allstate Insurance specializes in disability insurance agent services for residents of Shelby Township, MI. The agency helps individuals and families find coverage to replace lost income if an illness or injury prevents them from working. It assists clients in evaluating policy options and guiding them through application procedures. As the end of the calendar year approaches, the agency helps review existing plans to ensure sufficient protection during seasonal employment changes or holiday travel.
What Does a a Disability Insurance Agent in Shelby Township Cost?
Disability insurance premiums in Michigan typically range from 1% to 3% of your annual income. For a 40 year old earning $60,000 per year, a policy might cost $600 to $1,800 annually. Costs vary based on your health, occupation, and benefit terms. This is general information, not insurance advice.
About disability insurance agents in Shelby Township
Disability insurance agents in Shelby Township help residents understand their policy options and navigate claims. Michigan law requires certain disability benefits for workplace injuries under the Workers Disability Compensation Act. Local agents can explain how state regulations affect your coverage.
Frequently Asked Questions
What does a disability insurance agent in Shelby Township do?
A disability insurance agent helps you choose a policy and file claims. They explain coverage limits and waiting periods. They also assist with appeals if a claim is denied.
How is Michigan law different for disability insurance?
Michigan has specific rules for nonoccupational disability policies. For example, policies must offer a minimum benefit period of 24 months unless you choose a shorter period. Agents can explain these state requirements.
How do I choose a disability insurance agent in Shelby Township?
Look for an agent licensed in Michigan with experience in disability coverage. Ask about their familiarity with local insurers and state regulations. Check their reviews and ask for references.
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