The top-rated disability insurance agent in Chaska, Minnesota is Options Insurance, rated 4.9 stars across 362 reviews. Other highly rated options include Dwight Mack - State Farm Insurance Agent, Kim Schaffer - State Farm Insurance Agent, Martinson Agency. This directory lists 13 disability insurance agents serving Chaska.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Options Insurance | 102 N Jonathan Blvd Unit 210 | (952) 392-9508 |
| 2 | Dwight Mack - State Farm Insurance Agent | 1107 Hazeltine Blvd Ste 120 | (612) 284-5803 |
| 3 | Kim Schaffer - State Farm Insurance Agent | 112 E 5th St #104 | (952) 448-2060 |
| 4 | Martinson Agency | 505 N Chestnut St | (952) 314-4400 |
| 5 | Farmers Insurance - Tyler Farniok | 510 N Chestnut St STE 200 | (612) 448-2670 |
| 6 | Drilling Insurance Agency- Farmers Insurance Agent | 207 N Chestnut St #140 | (952) 479-8200 |
| 7 | Gallagher Insurance, Risk Management & Consulting | 101 W 3rd St | (952) 448-3800 |
| 8 | RG Insurance Agency | 570 Bavaria Ln | (952) 522-3345 |
| 9 | Options.Health | 102 N Jonathan Blvd Unit 210 | (952) 392-9508 |
| 10 | Westerholm & Associates Inc. American Family Insurance | 123 W 2nd St | (952) 448-4374 |
Options Insurance serves the Chaska, Minnesota area as a disability insurance agent. It assists individuals and families with evaluating their need for income protection against illness or injury. The company advises clients on how disability coverage can safeguard a portion of their earnings during an unexpected absence from work. Its work involves comparing policy options tailored to different occupations and personal financial situations. Options Insurance specifically handles long-term disability policies and short-term disability coverage for local residents.
Dwight Mack - State Farm Insurance Agent in Chaska, MN, provides disability insurance services, including individual and group income protection policies. Their offerings include guidance on plan selection and ongoing support for policy adjustments and renewals. As a local agent, Dwight Mack helps clients in the Chaska area understand coverage options and file claims when needed. The agency serves a variety of property types, including single-family homes, apartments, retail establishments, and restaurants.
Serving homeowners, renters, and small business owners in and around Chaska, Kim Schaffer - State Farm Insurance Agency provides disability insurance agent services to protect income against unexpected illness or injury. The agency helps individuals and self-employed professionals evaluate coverage options that replace a portion of lost wages during recovery. Personalized consultations guide clients in understanding policy features and choosing appropriate benefit periods and elimination periods. The agency also extends its disability insurance services to clients
Martinson Agency serves individuals and families in Chaska, Minnesota, and the surrounding communities of Carver County and the southwest metro area. It handles disability insurance policies designed to replace a portion of lost income if a person becomes unable to work due to illness or injury. The agency typically begins by reviewing a client’s current occupation and income to identify appropriate coverage options. It then gathers necessary medical and financial information to present tailored policy quotes and help the client compare plans.
Farmers Insurance - Tyler Farniok provides personalized disability insurance services in the Chaska, MN area. The agency helps individuals evaluate and select coverage that protects their income if illness or injury prevents them from working. They assist local clients through the entire application and policy selection process, tailoring plans to different professions and health scenarios. This service is especially useful for residents who are planning for the added financial risk of a long-term recovery period after a serious surgery or accident.
With the changing seasons in Chaska affecting daily routines and physical activities, ensuring financial protection against unforeseen injuries becomes a priority for many residents. Drilling Insurance Agency- Farmers Insurance Agent offers disability insurance policies designed to replace lost income if an accident or illness prevents work. Their guidance helps clients understand coverage options specific to local employment needs. To recommend appropriate plans, the agency begins with a thorough consultation to assess each individual’s income, occupation, and potential risks.
Gallagher Insurance, Risk Management & Consulting, based in Chaska, MN, distinguishes between one-time consultations for policy comparison and recurring service options for ongoing claims management and plan adjustments. This agency helps clients select disability insurance coverage that replaces a portion of lost income if an injury or illness prevents work. Typical policies can provide benefits for temporary or permanent disabilities. Service runs on a one-time, scheduled, or as-needed basis to accommodate client preferences for either periodic policy reviews or immediate support during a claim.
RG Insurance Agency provides disability insurance solutions for individuals and businesses in the Chaska, Minnesota area. The agency focuses on protecting income by offering policies that cover short-term and long-term disability needs. Clients receive guidance on selecting coverage that aligns with their personal or professional circumstances. The company serves a range of commercial sectors, including offices, warehouses, and food service operations.
Options.Health in Chaska, MN serves area residents by helping them select disability insurance policies that can replace lost income during an illness or injury. This work extends to local small businesses seeking commercial coverage options to protect their employees and operations throughout Carver County and the surrounding metro region. The agent regularly follows up with clients after an initial policy is placed, offering annual reviews and updates on coverage needs between visits.
Westerholm & Associates Inc. American Family Insurance in Chaska, MN, is known for helping local residents navigate disability insurance policies, offering guidance on income protection plans that cover lost wages due to a disabling illness or injury. Their service range includes evaluating individual policy options for self-employed professionals and employees. The agency also assists with comparing supplemental disability riders to enhance existing group coverage through an employer.
What Does a a Disability Insurance Agent in Chaska Cost?
The cost of disability insurance in Minnesota typically ranges from 1% to 3% of your annual income for a policy that covers 60% of your salary. For a 40 year old earning 60000 per year, a policy might cost 600 to 1800 annually. Premiums vary based on age, health, occupation, and benefit terms. This is general information, not insurance advice.
About disability insurance agents in Chaska
Disability insurance agents in Chaska Minnesota help individuals and businesses find coverage that protects income if injury or illness prevents work. Minnesota law requires certain policies to include a renewal guarantee and limits pre-existing condition exclusions to 12 months. Working with a local agent ensures you understand how state regulations affect your policy.
Frequently Asked Questions
What does a disability insurance agent in Chaska do?
A disability insurance agent helps you compare policies from different carriers and choose a plan that fits your needs. They explain policy terms like elimination periods and benefit durations. They do not handle claims but can guide you on how to file.
Are there Minnesota laws that affect disability insurance policies?
Yes. Minnesota Statute 62A.04 requires individual disability policies to be guaranteed renewable. Also, insurers cannot exclude coverage for a pre-existing condition for more than 12 months after the policy starts. An agent can help you understand these protections.
How do I choose a disability insurance agent in Chaska?
Look for an agent who is licensed in Minnesota and has experience with disability coverage. Ask about the carriers they represent and whether they offer both group and individual plans. A good agent will take time to review your occupation and income needs.
Disability Insurance Agents in Other Minnesota Cities
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