The top-rated disability insurance agent in Monroe Township, New Jersey is Shilpa Rathi - State Farm Insurance Agent, rated 4.9 stars across 455 reviews. Other highly rated options include Raina Rauf: Allstate Insurance, Gary Hughes - State Farm Insurance Agent, Vasilakis Insurance Agency. This directory lists 11 disability insurance agents serving Monroe Township.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Shilpa Rathi - State Farm Insurance Agent | 211 Applegarth Rd Ste 105 | (609) 400-5958 |
| 2 | Raina Rauf: Allstate Insurance | 350 Applegarth Rd | (609) 655-4300 |
| 3 | Gary Hughes - State Farm Insurance Agent | 157 Prospect Plains Rd | (609) 655-3300 |
| 4 | Vasilakis Insurance Agency | 400 Spotswood Englishtown Rd Ste B | (732) 202-6475 |
| 5 | New York Life | 2 Robert Ct | (732) 641-2772 |
| 6 | Disaster and Disability Consultants LLC | 44 Lakehurst Way | (609) 235-9689 |
| 7 | Allstate Personal Financial Representative: Vijay Deshpande | 350 Applegarth Rd | (609) 655-4300 |
| 8 | New Jersey Health Insurance Group | 10 Aquaduct Rd | (732) 241-0800 |
| 9 | Mahendra Parekh, Financial Professional - New York Life | 40 Starlight Dr | (732) 398-9230 |
| 10 | Frank Sgro - Prudential Financial | 9 Julia Dr | (732) 561-2946 |
Shilpa Rathi - State Farm Insurance Agent serves Monroe Township and surrounding areas in Middlesex County, offering disability insurance coverage to local residents and professionals. The agency works closely with clients to evaluate income protection needs and review policy options that address short-term or long-term disability scenarios. Assistance is provided with understanding benefit periods, elimination periods, and how coverage interacts with employer plans. This location specifically handles individual disability income policies and group disability insurance for small businesses or self-employed individuals.
Based in Monroe Township, New Jersey, Raina Rauf: Allstate Insurance provides disability insurance agent services that help individuals protect their income in the event of illness or injury. The agency assists clients in understanding and maintaining appropriate coverage tailored to their needs, offering regular policy reviews and updates to ensure adequate protection. They serve a variety of local properties, including single-family homes, apartments, retail stores, and restaurants, helping business owners and residents secure their financial stability across the community.
Based in Monroe Township, New Jersey, Gary Hughes - State Farm Insurance Agent assists homeowners, renters, business owners, and property managers with their disability insurance needs. Services help clients explore plans that replace a portion of lost income if an injury or illness prevents them from working. The agency also provides guidance on selecting appropriate coverage periods and benefit amounts to fit individual financial situations. This agent serves clients throughout the Monroe Township area and also covers nearby communities such as Spotswood.
Vasilakis Insurance Agency serves Monroe Township and the surrounding communities of Middlesex County, New Jersey. The agency handles disability insurance, helping local residents protect their income if they become unable to work due to illness or injury. It focuses on explaining policy options so clients understand waiting periods and benefit amounts. To guide a typical job, the agency first reviews an individual’s occupation and income, then compares coverage plans from multiple carriers to find a suitable fit.
New York Life offers services as a disability insurance agent in Monroe Township, New Jersey, specializing in income protection policies that replace a portion of a client’s earnings if they become unable to work due to illness or injury. The agent assists local residents by explaining policy options, coverage amounts, and elimination periods, ensuring financial stability during health setbacks. During the early months of the calendar year, many clients consult this agent to integrate disability coverage into their comprehensive financial planning.
As winter weather prompts concerns over slips and missed paychecks, residents of Monroe Township and central New Jersey contact Disaster and Disability Consultants LLC for disability insurance agent services. This agency helps local workers identify gaps in income protection caused by illness or injury. The team explains policy options that replace part of lost wages during recovery. Clients begin with a call to schedule a personalized review of their current coverage and potential risks, which serves as the initial assessment step.
In Monroe Township, NJ, Allstate Personal Financial Representative Vijay Deshpande offers disability insurance on both a one-time policy purchase basis and scheduled premium payment options, providing long-term income protection if illness or injury prevents work. Services include coverage analysis and plan selection tailored to individual circumstances. Policy service runs on either a scheduled or as-needed basis for existing clients.
New Jersey Health Insurance Group serves clients in Monroe Township and the surrounding area as a disability insurance agent, helping individuals and businesses secure income protection policies. Its specialty includes evaluating specific occupational risks to tailor coverage for lost wages due to illness or injury. The company assists commercial sectors such as local offices, warehouses, and food service operations in establishing appropriate disability plans.
Serving residents in Monroe Township and the surrounding area, this disability insurance agent focuses on securing individual income protection plans for professionals and families. Commercial coverage is also arranged for local small business owners, helping safeguard their operations against key-person disruptions. Clients can expect thorough consultations to assess personal risk factors and policy options. Follow-up service is provided between regular visits, ensuring existing coverage adapts to changing needs and life events without requiring a new application process.
Frank Sgro - Prudential Financial in Monroe Township, NJ, serves as a dedicated disability insurance agent, helping clients protect their income against unforeseen medical issues or accidents. The agency guides individuals and local business owners through policy options designed to provide financial stability during recovery from illness or injury. These solutions assist with meeting ongoing living expenses and managing family obligations when a person cannot work. For added security, the firm can also arrange optional riders for partial disability or cost-of-living adjustments within a plan.
What Does a a Disability Insurance Agent in Monroe Township Cost?
The cost of a disability insurance agent in Monroe Township is typically included in the policy premium, meaning you pay no upfront fee for their services. Policy premiums vary widely based on age, health, occupation, and benefit amount. For a healthy professional, a long-term disability policy might cost 1% to 3% of annual income, or roughly $30 to $100 per month for a $5,000 monthly benefit. This is general information, not insurance advice.
About disability insurance agents in Monroe Township
A disability insurance agent in Monroe Township, New Jersey can help you find coverage that protects your income if you become unable to work. New Jersey law requires employers to provide Temporary Disability Insurance through the state program, but private agents offer supplemental or long-term policies. Working with a local agent ensures you understand how state benefits interact with private plans.
Frequently Asked Questions
What does a disability insurance agent in Monroe Township do?
A disability insurance agent helps you compare policies from different carriers to find a plan that fits your needs and budget. They explain policy terms, waiting periods, and benefit amounts. In New Jersey, agents can also advise on how private coverage coordinates with state-mandated Temporary Disability Insurance.
Is disability insurance required in New Jersey?
New Jersey does not require individuals to buy private disability insurance. However, most employers must provide Temporary Disability Insurance through the state program, which covers partial wage replacement for up to 26 weeks. Private agents help fill gaps with long-term or higher-benefit policies.
How do New Jersey state disability benefits affect private policies?
New Jersey Temporary Disability Insurance provides about two-thirds of your average weekly wage, up to a state-set maximum. Private disability policies typically pay a percentage of your income and may offset or integrate with state benefits. An agent can explain how these plans work together to avoid overinsurance.
Disability Insurance Agents in Other New Jersey Cities
Bayonne · Bloomfield · Brick Township · Bridgewater · Cherry Hill Township · Clark · Clifton · Cranford · East Brunswick · East Hanover · Edison · Elizabeth · Englewood Cliffs · Fair Lawn · Fairfield