The top-rated disability insurance agent in Parsippany, New Jersey is Bierka Lopez at Comparion Insurance Agency, rated 5.0 stars across 293 reviews. Other highly rated options include Ronald Owens at Comparion Insurance Agency, GA Financial Group LLC, NJM Insurance Group - Parsippany, NJ. This directory lists 13 disability insurance agents serving Parsippany.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bierka Lopez at Comparion Insurance Agency | 4 Campus Dr #102 | (973) 775-4334 |
| 2 | Ronald Owens at Comparion Insurance Agency | 4 Campus Dr #102 | (973) 775-4335 |
| 3 | GA Financial Group LLC | 342 Parsippany Rd unit 6 | (862) 254-8125 |
| 4 | NJM Insurance Group - Parsippany, NJ | 1 Sylvan Way | (973) 455-7200 |
| 5 | Love Parikh at Comparion Insurance Agency | 4 Campus Dr #102 | (973) 512-6835 |
| 6 | Comparion Insurance Agency | 4 Campus Dr #102 | (973) 539-6080 |
| 7 | Benefits Insurance New Jersey | 600 Parsippany Rd | (973) 221-4606 |
| 8 | Secure Insurance LLC | 399 Jefferson Rd | (973) 221-2383 |
| 9 | Liberty Line Insurance, NJ | 5 Sylvan Way | (973) 315-5144 |
| 10 | Total Protected Insurance Agency | 194 Parsippany Rd | (973) 295-5159 |
Bierka Lopez at Comparion Insurance Agency serves the Parsippany, New Jersey area as a disability insurance agent. The company assists clients in securing financial protection against income loss due to illness or injury. It works with individuals to evaluate coverage options that replace a portion of earnings during periods of disability. The agent focuses on both short-term and long-term disability insurance policies to address different needs.
Ronald Owens at Comparion Insurance Agency provides disability insurance services to individuals and businesses in Parsippany, New Jersey. It helps clients assess their income protection needs and select suitable policies that replace a portion of earnings during illness or injury. The agent assists with initial plan setup, policy reviews, and ongoing claims support. It routinely serves professionals, self-employed individuals, and small business owners. Properties serviced include single-family homes, apartments, retail locations, and restaurants.
GA Financial Group LLC serves Parsippany and the surrounding communities of Morris County, handling disability insurance for individuals and local businesses. It helps clients secure coverage that provides income protection if illness or injury prevents them from working. The company works with area residents and employers to identify appropriate policy options from various carriers. For each typical job, it first reviews the client’s occupation and income needs, then compares available plans to match a suitable solution within their budget.
NJM Insurance Group serves homeowners, business owners, and property managers in the Parsippany area by providing disability insurance agent services. The company helps clients secure coverage that replaces a portion of lost income if an injury or illness prevents them from working. Policies are tailored to protect individuals and their households from financial hardship during recovery periods. This agent also offers guidance on policy options and claims processes for local policyholders. Its coverage area additionally extends to the neighboring community of Morris Plains in Morris County.
For a disability insurance agent, clients can choose either a one-time policy purchase or ongoing service that adjusts coverage as needs change. Love Parikh at Comparion Insurance Agency, based in Parsippany, New Jersey, helps local residents assess their income protection needs and select appropriate individual policies. These services can address both short-term and long-term disability scenarios common in the area. Consultation appointments are available on a scheduled basis, with clients deciding the frequency of follow-up reviews.
Comparion Insurance Agency in Parsippany, New Jersey specializes in connecting individuals with disability insurance policies that replace a portion of lost income if illness or injury prevents them from working. The agency generally works with clients to explain different plan types and coverage limits available in the local area. It helps residents assess their personal financial risks and choose appropriate protection. During open enrollment periods, it assists self-employed professionals and others who are not covered by employer-sponsored plans.
As winter weather disrupts routines across Morris County, many employees consider how a serious illness or injury could affect their household finances. Benefits Insurance New Jersey, located in Parsippany, helps local professionals explore disability insurance options that replace lost wages during recovery. Their agents discuss employer-sponsored coverage gaps, personal policy features, and elimination periods matching individual budgets and work schedules. New clients begin the process with a confidential consultation to review current protection levels and target monthly benefit amounts.
Secure Insurance LLC serves individuals and businesses in Parsippany, New Jersey, by offering guidance on disability insurance policies that provide income protection if an injury or illness prevents work. As a dedicated agent, the company helps clients understand plan options, coverage limits, and waiting periods tailored to their specific needs. It assists professionals and business owners in offices, warehouses, and food service operations seeking financial security against lost wages.
Liberty Line Insurance, NJ provides disability insurance agents serving residential clients in Parsippany and the surrounding area, helping individuals protect their income against unforeseen illnesses or injuries. The company also offers commercial disability coverage tailored to local small business owners, ensuring seamless service throughout Morris County. Agents conduct thorough needs assessments during initial consultations, then manage ongoing policy adjustments or claims support that often leads to repeat service between regular annual check-ins.
What Does a a Disability Insurance Agent in Parsippany Cost?
Disability insurance agent services in New Jersey are typically free to the consumer because agents earn commissions from insurance carriers. Policy premiums vary widely based on age, health, occupation, and benefit amount. For a healthy 40-year-old professional, a long-term disability policy might cost between 1% and 3% of annual income per year. Costs can be higher for those in physically demanding jobs or with pre-existing conditions. This is general information and not insurance advice.
About disability insurance agents in Parsippany
Disability insurance agents in Parsippany New Jersey help residents and business owners find coverage that fits their needs. New Jersey law requires employers to provide Temporary Disability Insurance through the state program, but private agents can help you supplement that with additional long-term or short-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 Parsippany do?
A disability insurance agent helps you compare policies from different carriers to find coverage that matches your income and occupation. They explain policy terms like elimination periods and benefit durations. They do not provide legal advice or handle claims disputes.
How is New Jersey disability insurance different from other states?
New Jersey has a state-run Temporary Disability Insurance program that provides partial wage replacement for up to 26 weeks. Private agents can help you buy additional coverage to fill gaps left by the state plan. New Jersey also has specific rules about how private policies coordinate with state benefits.
Do I need a disability insurance agent if I already have employer coverage?
Employer group disability plans often have limits on benefit amounts and duration. An agent can help you assess if your current coverage is adequate and recommend an individual policy to supplement it. This is especially important for high-income earners in Parsippany whose employer plan may not cover their full salary.
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