The top-rated disability insurance agent in Rochester, New Hampshire is Bernier Insurance Agency, rated 4.9 stars across 122 reviews. Other highly rated options include Keslar Insurance Agency - Rochester Office, Kevin Ryan - State Farm Insurance Agent, Fleury and Associates LLC. This directory lists 15 disability insurance agents serving Rochester.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bernier Insurance Agency | 32 Wakefield St | (603) 335-2345 |
| 2 | Keslar Insurance Agency - Rochester Office | 16 N Main St | (603) 602-1112 |
| 3 | Kevin Ryan - State Farm Insurance Agent | 197 Columbus Ave Ste 106 | (603) 332-5200 |
| 4 | Fleury and Associates LLC | 1 Windhaven Dr | (603) 973-9561 |
| 5 | Michael Testa - State Farm Insurance Agent | 73 Pickering Rd Ste 202-F | (603) 332-4444 |
| 6 | Hi Rise Insurance | 12 Charles St | (603) 332-1983 |
| 7 | Bernier Insurance Inc: Bowley Pauline | 32 Wakefield St # 1268 | (603) 335-2345 |
| 8 | Jenness & Jenness Agency | 663 Pickering Rd | (603) 332-3030 |
| 9 | Great Insurance New Hampshire | 95 S Main St | (603) 605-8087 |
| 10 | United Insurance | 120 Washington St #201 | (603) 332-3700 |
Bernier Insurance Agency serves the Rochester, New Hampshire area as a local disability insurance agent. The company helps individuals and professionals find coverage to protect their income if injury or illness prevents them from working. This type of insurance replaces a portion of lost wages during a recovery period. Agents here assist clients in comparing benefit amounts, elimination periods, and policy terms tailored to different occupations. They regularly handle both short-term disability plans for immediate coverage needs and long-term disability policies for extended income protection.
Keslar Insurance Agency in Rochester serves homeowners, businesses, and property managers who need to protect their income against unexpected disabilities. The agency helps clients understand policy options that replace lost earnings during illness or injury, tailoring coverage to fit individual risks. Experienced agents guide customers through plan comparisons, ensuring they select adequate short-term or long-term disability protection. The agency also provides its expert advice on disability insurance strategies for residents and businesses located in nearby Dover, expanding its reach across the broader Seacoast region of New Hampshire.
Kevin Ryan - State Farm Insurance Agent in Rochester, NH offers a range of disability insurance services, helping clients secure income protection against unexpected illness or injury. Its maintenance plans typically involve annual policy reviews to adjust coverage as life circumstances change. Regular assessments ensure benefits align with current income and employment status. This agency serves individuals with various property types, including single-family homes, apartments, retail businesses, and restaurants, integrating disability coverage with overall financial strategies.
Fleury and Associates LLC provides disability insurance agent services throughout Rochester, New Hampshire, and the surrounding communities in Strafford County. It handles applications for both short-term and long-term disability income protection policies for local residents and small business owners. By reviewing an individual’s occupation, existing coverage, and income requirements, it identifies appropriate policy options from multiple carriers. It then assists clients with completing necessary medical and financial forms to support a smooth underwriting and approval process.
Michael Testa’s agency handles both one-time disability insurance consultations for those seeking a quick policy review and recurring coverage plans for long-term income protection. As a Rochester, NH disability insurance agent, the team focuses on matching clients with the right policy type and benefit period for their needs. Each claim filing and coverage update relies on official carrier guidelines rather than agency assumption. Service runs on a scheduled basis by appointment, not as an as-needed walk-in service.
As a disability insurance agent in Rochester, New Hampshire, Hi Rise Insurance offers specialized assistance with long-term and short-term disability policies. Its general service work involves evaluating individual needs to secure income protection plans that cover a portion of lost wages due to illness or injury. These policies are designed to complement employer benefits or provide coverage for self-employed individuals. The agency helps local residents navigate the complexities of policy options, particularly during open enrollment periods when changes or new plans must be carefully considered.
As winter weather impacts Rochester and surrounding areas, unexpected job disruptions can strain finances, making income protection essential. Bernier Insurance Inc: Bowley Pauline assists local workers in reviewing disability insurance options tailored to individual employment situations and household budgets. The agency explains benefit terms, waiting periods, and coverage limits that apply specifically under New Hampshire regulations. Clients receive clear guidance on how policies replace wages during illness or injury recovery. The initial step involves a complimentary consultation to examine current coverage gaps and document personal income needs.
Jenness & Jenness Agency in Rochester, NH, assists individuals and businesses with disability insurance needs, focusing on protecting income during unexpected illness or injury. The firm specializes in both short-term and long-term disability policies, emphasizing coverage that replaces lost wages when employees cannot work. It helps clients evaluate options for individual plans or group benefits. These services are extended to various commercial sectors including offices, warehouses, and food service.
Great Insurance New Hampshire is a disability insurance agent serving the Rochester area. The company helps clients find individual or group disability policies that protect income if illness or injury prevents work. Coverage options are tailored to self-employed professionals, small businesses, and wage earners in the region. Understanding local employment conditions, the agency guides applicants through medical underwriting and policy exclusions. A common added service is offering short-term disability plans to bridge coverage gaps before long-term benefits begin.
United Insurance serves the Rochester, New Hampshire area by offering disability insurance guidance for individual residents. The company also addresses coverage needs for commercial clients within the local business community. A disability insurance agent works to explain policy options, helping people protect their income against unexpected illness or injury. After an initial policy is arranged, the agency often provides follow-up support between regular visits to adjust coverage as life circumstances change.
What Does a a Disability Insurance Agent in Rochester Cost?
Typical costs for a disability insurance agent in New Hampshire include commission-based fees, often 50 to 80 percent of the first year premium and 5 to 10 percent of renewal premiums. Some agents charge hourly fees ranging from 100 to 300 dollars. Costs vary by case and policy type. This is general information, not insurance advice.
About disability insurance agents in Rochester
A disability insurance agent in Rochester, New Hampshire can help you understand policy options and file claims. New Hampshire law requires insurers to follow strict timelines for claim decisions under RSA 415. You can work with an agent to review your coverage and appeal any denial.
Frequently Asked Questions
What does a disability insurance agent in Rochester do?
A disability insurance agent helps you find and manage disability insurance policies. In New Hampshire, agents must be licensed by the state and can assist with claim filing and policy questions.
How long do I have to file a disability claim in New Hampshire?
New Hampshire does not set a specific deadline for filing claims, but most policies require prompt notice. You should check your policy for time limits and contact an agent as soon as possible after a disability occurs.
Can a disability insurance agent help with claim denials in Rochester?
Yes, an agent can review your denial and explain your options. In New Hampshire, you have the right to appeal a denial and request a formal review under state insurance regulations.
Disability Insurance Agents in Other New Hampshire Cities
Amherst · Bedford · Concord · Dover · Hampton · Londonderry · Manchester · Merrimack · Nashua · Salem