The top-rated disability insurance agent in Kalispell, Montana is Flathead Insurance- Kalispell Montana Insurance, rated 4.9 stars across 282 reviews. Other highly rated options include Grachek Insurance, Bailey Insurance Services, AAA Kalispell Branch. This directory lists 20 disability insurance agents serving Kalispell.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Flathead Insurance- Kalispell Montana Insurance | 2330 U.S. Hwy 2 E | (406) 752-8000 |
| 2 | Grachek Insurance | 1147 S Main St | (406) 755-4000 |
| 3 | Bailey Insurance Services | 4 Meridian Ct | (406) 752-7676 |
| 4 | AAA Kalispell Branch | 135 Hutton Ranch Rd #106 | (406) 758-6980 |
| 5 | Montana First Insurance, Inc. | 1088 N Meridian Rd | (406) 755-0719 |
| 6 | Paradox Insurance Agency | 1205 S Main St | (406) 451-0180 |
| 7 | Hebert Insurance Agency - Marlene Hebert | 114 1st Ave W | (406) 755-6453 |
| 8 | Marsh McLennan Agency | 165 Timberwolf Pkwy | (406) 758-4200 |
| 9 | Goosehead Insurance - Scott Countryman Agency | 30 5th St E Suite 101 | (406) 703-3002 |
| 10 | Northern Rockies Insurance Agency: Allstate Insurance | 1825 US Hwy 93 S Ste B | (406) 755-5566 |
Flathead Insurance serves the Kalispell, Montana area and its surrounding communities as a local disability insurance agent. The company assists individuals and families in securing financial protection through disability coverage. An agent in this area typically evaluates client needs to recommend appropriate plans that provide income replacement if illness or injury prevents work. The company handles short-term disability insurance to cover temporary absences from employment and long-term disability insurance for extended periods of inability to work.
Grachek Insurance in Kalispell, MT serves local homeowners, businesses, and property managers by helping them find disability insurance coverage that replaces income if injury or illness prevents them from working. They guide clients through policy options to match individual or business needs, ensuring clarity on terms and conditions. Their reach also extends to communities such as Whitefish, providing similar disability insurance agent services for residents and commercial clients in the surrounding area.
Serving Kalispell and the surrounding communities of northwest Montana, Bailey Insurance Services specializes in disability insurance agent work. It helps local residents protect their income by handling applications for short-term and long-term disability coverage. The firm assists clients in understanding policy options that provide financial stability during illness or injury. For each assignment, it focuses on gathering complete medical and occupational information, then presenting the best suitable plan options from available carriers for the individual’s specific needs.
AAA Kalispell Branch provides disability insurance agent services in the Kalispell, Montana area. The company offers consultation and application assistance for disability income protection policies tailored to individual coverage needs. In maintaining client plans, it conducts periodic policy reviews to ensure benefits align with changing personal circumstances. It handles the full claims process on behalf of policyholders. The agency services a wide variety of clients, including single-family homes, apartments, retail businesses, and local restaurants.
Montana First Insurance, Inc. in Kalispell, MT helps clients distinguish between one-time disability policies, which cover a single illness or injury period, and recurring options that provide ongoing income replacement. Coverage plans are based on individual risk assessments, offering financial protection against lost wages due to an inability to work. Service is provided on an as-needed basis, allowing clients to schedule policy reviews and updates when life events or employment changes dictate a new coverage evaluation.
Paradox Insurance Agency specializes in disability income protection and long-term disability coverage for residents of Kalispell, Montana. It assists both individuals and local businesses in Kalispell by evaluating tailored policy options that replace lost wages during illness or injury. This agency guides clients through policy selection and claims processes to help maintain financial stability when unexpected health issues arise. Given the outdoor-oriented lifestyle and seasonal employment common in northwest Montana, a disabling accident during hunting season or a winter injury from snow removal can create urgent coverage needs.
Hebert Insurance Agency, operated by Marlene Hebert, provides residential disability insurance to clients in Kalispell, Montana, and also offers commercial coverage across the surrounding area. The business handles claims and paperwork for those who become unable to work due to injury or illness, ensuring each policy fits the individual’s circumstances and local employment needs. Regular follow-up between annual visits helps adjust coverage for changing household situations, keeping long-term income protection reliable.
In Kalispell’s mountain community, where seasonal work and outdoor recreation can leave residents vulnerable to unexpected injury, Marsh McLennan Agency addresses the need to protect income through disability insurance agent services. They guide individuals and local businesses in selecting coverage that replaces wages during prolonged illness or accident recovery. Their process begins with a confidential initial assessment, reviewing current employment risks and existing benefits to identify any gaps in financial protection.
Goosehead Insurance - Scott Countryman Agency is known for connecting individuals and families in the Kalispell, Montana area with disability insurance policies that protect their income if illness or injury prevents them from working. Its service range includes evaluating each client’s occupation and daily financial obligations. The agency helps explain the different options available, such as short-term and long-term coverage plans. As a specialty add-on, it can arrange for policy riders that offer a residual disability benefit to cover partial loss of wages.
Northern Rockies Insurance Agency: Allstate Insurance works with individuals to arrange disability income protection in the Kalispell area. Their disability insurance agent specialties include long-term and short-term coverage designed to replace lost earnings if an injury or illness prevents work. They also help clients understand rider options that can supplement a base policy. This agency can serve a variety of commercial sectors in the local economy, including offices, warehouses, and food service operations.
What Does a a Disability Insurance Agent in Kalispell Cost?
Disability insurance agent services in Montana are typically paid through commissions from the insurance company. Policy premiums vary by age health and coverage amount. For a 35 year old non-smoker a policy may cost 1 to 3 percent of annual income. Costs depend on benefit period elimination period and occupation class. This is general information not insurance advice.
About disability insurance agents in Kalispell
Disability insurance agents in Kalispell help individuals and businesses secure income protection. Montana law requires disability policies to include a 30-day grace period for premium payments. Local agents can guide you through Montana-specific policy options and claim procedures.
Frequently Asked Questions
What does a disability insurance agent in Kalispell do?
A disability insurance agent helps you find and purchase a policy that fits your needs. They explain coverage options, policy terms, and claim processes. Agents do not provide legal advice but can refer you to a Montana attorney for claim disputes.
How long do I have to file a disability claim in Montana?
Montana law does not set a specific time limit for filing a disability claim. However most policies require prompt notification within 30 days of disability onset. Check your policy for exact deadlines.
Can a disability insurance agent help with an appeal in Kalispell?
Agents can explain the appeal process and help gather medical records. They cannot represent you in a legal appeal. For denied claims you may need a Montana attorney who handles ERISA or state disability cases.
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