The top-rated disability insurance agent in Troy, Michigan is Disability Law Group, rated 4.9 stars across 929 reviews. Other highly rated options include FSA Insurance Agency, JPS Insurance Agency, Alfred Shala-HealthMarkets Insurance Agency. This directory lists 22 disability insurance agents serving Troy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Disability Law Group | 755 W Big Beaver Rd Suite 238 | (888) 655-0838 |
| 2 | FSA Insurance Agency | 50 W Big Beaver Rd Ste 500 | (586) 842-3770 |
| 3 | JPS Insurance Agency | 1111 W Long Lake Rd Suite 201 | (248) 646-6657 |
| 4 | Alfred Shala-HealthMarkets Insurance Agency | 920 E Long Lake Rd STE 200A | (586) 707-5527 |
| 5 | HealthMarkets Insurance - Eric Zawicki | 920 E Long Lake Rd Ste 100A | (248) 850-4000 |
| 6 | National Benefit Plans, Inc. | 1050 Wilshire Dr Ste 280 | (248) 362-4050 |
| 7 | Oak Crest Insurance Services | 125 E Maple Rd | (248) 729-7077 |
| 8 | Troy-Metro Agency | 2065 Livernois Rd | (248) 813-8540 |
| 9 | Andrew Leggat - State Farm Insurance Agent | 2265 Livernois Rd Ste 300 | (248) 244-0618 |
| 10 | Doeren Mayhew Insurance Group | 3155 W Big Beaver Rd Suite 250 | (248) 290-0650 |
Disability Law Group serves Troy and Oakland County as a dedicated disability insurance agent. The company assists clients in understanding complex disability policy provisions and filing claims for benefits. Navigating long-term disability claims through employer plans or private policies can be a difficult process. Claim denials often require careful attention to medical evidence and policy language. The firm regularly helps with initial claim applications and appeals for denied benefits in the region.
FSA Insurance Agency in Troy, MI provides a range of services focused on helping individuals and business owners secure disability income protection. The agency guides clients in understanding policy options that replace a portion of earnings if an injury or illness prevents them from working. They assist with initial plan selection, policy applications, and ongoing maintenance of coverage to keep benefits aligned with changing income levels. FSA Insurance Agency services a variety of properties including single-family homes, apartments, retail establishments, and restaurants.
JPS Insurance Agency serves homeowners, businesses, and property owners in Troy, Michigan, offering disability insurance policies that replace a portion of income if a client becomes unable to work due to illness or injury. The agency helps local professionals and self-employed individuals secure coverage tailored to their specific occupational risks and financial needs. These policies are designed to protect monthly earnings and long-term financial stability. JPS Insurance Agency also provides its disability insurance services to clients throughout nearby Birmingham and the greater Oakland County area.
In Troy, Michigan, Alfred Shala-HealthMarkets Insurance Agency assists clients by distinguishing between short-term disability policies for one-time or recurring needs and long-term coverage plans designed to extend protection through extended absences from work. These services help local professionals secure income replacement for injuries or illnesses incurred off the job. Disability insurance agent work here includes guiding individuals through carrier policy structures and statewide requirements tailored to different occupations. Client support typically runs on an as-needed basis for initial plan reviews or filing claims.
HealthMarkets Insurance - Eric Zawicki in Troy, MI provides specialized disability insurance coverage, focusing on protecting a client’s income against unexpected illness or injury. The agency also assists with general policy evaluations, helping individuals understand their plan options and coverage gaps. With a particular focus on local professionals and small business owners, the agent works to secure benefits that sustain financial stability when someone cannot work. Heading into the winter months, the agency frequently helps clients prepare for increased slip-and-fall risks that could temporarily sideline a breadwinner.
National Benefit Plans, Inc. serves the Troy, Michigan area and surrounding communities, handling disability insurance for local professionals and small businesses. The agency helps clients secure coverage that replaces a portion of income if illness or injury prevents them from working. It evaluates each individual’s occupation and earnings to recommend an appropriate policy. The company typically reviews current benefit levels and occupational risks to design a tailored plan that meets the client’s specific needs.
At Oak Crest Insurance Services in Troy, MI, the agency works with individuals to select disability insurance policies that provide income protection during illness or injury. The team focuses on helping clients understand policy terms, including benefit periods and elimination periods. Coverage may assist employees at various workplace settings, including commercial offices, large warehouses, and food service establishments seeking financial stability for their workers.
As winter arrives in Troy, many local workers start to think about protecting their income against unexpected illnesses or injuries. Troy-Metro Agency provides disability insurance agent services in the area, helping residents understand how such coverage can replace lost wages during recovery. They assist clients in evaluating individual and group policies to match specific employment and financial situations. A typical process begins with an initial assessment of the applicant’s current earnings and occupation to identify suitable plan options.
Andrew Leggat's agency serves Troy residents with residential disability insurance, helping homeowners protect their income when illness or injury prevents work. Commercial coverage supports local small businesses in securing employee disability benefits across the Troy area. The agency explains policy options clearly, ensuring clients understand waiting periods and benefit terms before enrolling. After an initial policy is set, the agent schedules regular follow-up visits to review coverage needs and update beneficiaries as household or business circumstances change between appointments.
Doeren Mayhew Insurance Group, based in Troy, MI, is known for assisting individuals and businesses in securing disability income protection. The agency serves local professionals seeking to replace lost earnings due to injury or illness. Its service range covers both short-term and long-term disability policies tailored to different employment situations and income levels. To complement its core offerings, the firm can also coordinate disability coverage with existing group benefits from an employer.
What Does a a Disability Insurance Agent in Troy Cost?
Disability insurance agents in Michigan typically earn commissions paid by the insurance company so you pay no direct fee for their services. Policy premiums vary widely based on age health occupation and benefit amount. For example a 40 year old in a low risk job might pay 1 to 3 percent of their annual income for a policy. Costs can be higher for high risk occupations or pre existing conditions. This is general information not insurance advice.
About disability insurance agents in Troy
Disability insurance agents in Troy Michigan help individuals and businesses secure income protection policies. Michigan law requires insurers to act in good faith when handling claims. A local agent can guide you through policy options and the claims process specific to Michigan regulations.
Frequently Asked Questions
What does a disability insurance agent in Troy do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your needs. They explain policy terms and assist with applications. In Michigan agents must be licensed by the state Department of Insurance and Financial Services.
How long do I have to file a disability claim in Michigan?
Michigan does not set a specific statute of limitations for disability insurance claims. However most policies require you to submit proof of loss within 90 days of the disability. Check your policy for exact deadlines.
Can a disability insurance agent help with an existing claim in Troy?
Yes an agent can review your policy and help you understand your benefits. They may also assist with gathering medical records and submitting paperwork. For denied claims you may need to consult a lawyer or file a complaint with the Michigan Department of Insurance.
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