The top-rated disability insurance agent in Paramus, New Jersey is Protuity, rated 5.0 stars across 181 reviews. Other highly rated options include GEORGIA PINES AGENCY, LLC,Miramar Insurance Agency, Cangelosi Agency, Jim Bush - State Farm Insurance Agent. This directory lists 17 disability insurance agents serving Paramus.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Protuity | 80 Rte 4 Suite 203 | (973) 771-9100 |
| 2 | GEORGIA PINES AGENCY, LLC,Miramar Insurance Agency | 214 Rte 4 | (201) 843-8680 |
| 3 | Cangelosi Agency | 214 Rte 4 | (973) 427-9005 |
| 4 | Jim Bush - State Farm Insurance Agent | 237 W Midland Ave | (201) 444-4424 |
| 5 | Mariel Gramuglia at Comparion Insurance Agency | 61 S Paramus Rd Suite 520 | (201) 221-1449 |
| 6 | Robert Giella at Comparion Insurance Agency | 61 S Paramus Rd Suite 520 | (201) 221-1447 |
| 7 | Comparion Insurance Agency | 61 S Paramus Rd Suite 520 | (201) 845-4300 |
| 8 | Coverage Cowboy | 66 NJ-17 Suite 300 | (551) 455-0769 |
| 9 | Michael Laudenback at Comparion Insurance Agency | 61 S Paramus Rd Suite 520 | (201) 221-1450 |
| 10 | Smaily Insurance Solutions | 140 E Ridgewood Ave Suite 415 | (201) 697-6043 |
Protuity provides comprehensive disability insurance services in Paramus, New Jersey, including policy analysis, application assistance, and claim support. Its ongoing maintenance plans ensure clients verify coverage adequacy and manage benefit coordination as life circumstances change. The agency also offers periodic policy reviews to adjust for income fluctuations. Protuity services single-family homes, apartment dwellers, retail businesses, and restaurants in the surrounding region.
Located in Paramus, New Jersey, GEORGIA PINES AGENCY, LLC, also serving as Miramar Insurance Agency, helps homeowners, businesses, and property managers secure disability insurance coverage. The agency assists clients in understanding policy options that protect income when injury or illness prevents work. Disability insurance agents in this area focus on matching benefits to individual and commercial needs. This firm also serves communities throughout Bergen County, including nearby Hackensack.
Cangelosi Agency serves Paramus, New Jersey, and the surrounding Bergen County communities, handling individual and group disability insurance policies for local professionals and small businesses. The agency addresses both short-term and long-term coverage needs, helping clients understand policy features and benefit structures. It works to tailor plans that support financial stability during periods of injury or illness. To accomplish a typical job, the agency reviews the client’s occupation and income, then compares options from multiple carriers to recommend a suitable policy.
Jim Bush’s agency in Paramus, NJ, helps clients navigate the difference between short-term disability policies, which offer recurring monthly benefits for a limited period, and long-term coverage designed for extended income protection. Their work includes explaining how policies replace a portion of lost earnings following illness or injury. Service appointments are scheduled on a one-time or as-needed basis, depending on individual needs rather than a fixed recurring plan.
Based in Paramus, New Jersey, Mariel Gramuglia at Comparion Insurance Agency specializes in matching individuals with disability income protection policies. As a disability insurance agent, its general service work includes assessing clients' occupational risks and coverage needs to safeguard their earning potential in the local area. For professionals in Bergen County, this agency becomes especially valuable during the transition into a new job or career, when ensuring seamless disability coverage without a waiting period is a critical concern.
With the start of a new year often prompting a review of financial protections, individuals in the Paramus area sometimes realize gaps in their income security. Robert Giella at Comparion Insurance Agency assists residents with identifying suitable disability insurance options to guard against lost earnings from illness or injury. The process begins with a straightforward consultation to evaluate each client’s specific income requirements and occupational risk factors. During this initial meeting, the agent collects the personal information needed to begin a thorough coverage analysis.
Comparion Insurance Agency serves the Paramus, New Jersey area and the surrounding Bergen County region as a disability insurance agent. The company assists clients in securing financial protection against income loss due to illness or injury by evaluating policy options from multiple carriers. Common services include short-term disability coverage for temporary recovery periods and long-term disability insurance for extended or permanent conditions.
Coverage Cowboy, a disability insurance agent based in Paramus, New Jersey, assists local workers in securing income protection policies that cover illness or injury. It focuses on tailored disability plans designed to replace lost wages when an employee cannot perform their job. The agency serves a variety of commercial sectors, including corporate offices, warehouses, and food service establishments.
Michael Laudenback at Comparion Insurance Agency serves residents of Paramus, New Jersey, with disability insurance coverage. The firm also assists local businesses in protecting their employees against income loss from injury or illness through commercial disability policies. Coverage options are available throughout Paramus and the surrounding Bergen County area. Clients often schedule follow-up consultations to adjust their plans as their personal or professional circumstances change between regular policy reviews.
Smaily Insurance Solutions provides disability insurance agent services to clients in Paramus, New Jersey, helping individuals and business owners secure income protection coverage. Its service approach includes guiding clients through policy options, assessing coverage needs, and assisting with plan selection to protect against loss of earnings due to illness or injury. Regular policy reviews help ensure coverage remains aligned with changing circumstances. The company serves a range of properties and work environments, including single-family homes, apartments, retail locations, and restaurants.
What Does a a Disability Insurance Agent in Paramus Cost?
The cost of disability insurance in New Jersey varies based on age, occupation, health, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy covering 60% of income. Self-employed individuals may pay higher rates. This is general information, not insurance advice.
About disability insurance agents in Paramus
Disability insurance agents in Paramus, New Jersey help individuals and business owners secure income protection in case of illness or injury. New Jersey law requires employers to provide Temporary Disability Insurance through the state program, but private policies can offer more comprehensive coverage. An agent can explain how state benefits interact with private plans and help you choose a policy that fits your needs.
Frequently Asked Questions
What does a disability insurance agent in Paramus do?
A disability insurance agent helps you compare policies from different carriers to find coverage that protects your income. They explain policy terms, waiting periods, and benefit amounts. In New Jersey, agents also advise on how private insurance works alongside the state Temporary Disability Insurance program.
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. Self-employed individuals and those wanting higher benefits often purchase private policies with help from an agent.
How long does New Jersey state disability insurance last?
New Jersey Temporary Disability Insurance provides up to 26 weeks of benefits in a 52-week period. Private policies can offer longer benefit periods, such as two years or until age 65. An agent can help you understand these options and choose a plan that bridges any gaps.
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