The top-rated disability insurance agent in Paterson, New Jersey is Frantz Gaston Jr - State Farm Insurance Agent, rated 4.9 stars across 2,852 reviews. Other highly rated options include Exclusive Insurance Brkg, Veronica's Insurance Agency, Rayne Health Advisors. This directory lists 17 disability insurance agents serving Paterson.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Frantz Gaston Jr - State Farm Insurance Agent | 750 Broadway D | (973) 782-4343 |
| 2 | Exclusive Insurance Brkg | 271 Union Ave | (973) 341-6810 |
| 3 | Veronica's Insurance Agency | 693 Market St | (973) 333-3493 |
| 4 | Rayne Health Advisors | 337 Straight St | (201) 563-5729 |
| 5 | Carmen's Insurance Agency | 553 Main St | (973) 279-0270 |
| 6 | Adamas Insurance Brokerage | 125 Broadway #102 | (973) 358-0013 |
| 7 | Amana Insurance Agency | 1029 Main St | (973) 955-4100 |
| 8 | Olmen Insurance Agency | 494 21st Ave | (973) 279-4364 |
| 9 | Goosehead Insurance - Haya Matari | 1113 Main St | (862) 214-2585 |
| 10 | SR22 Insurance Solutions | 436 10th Ave | (862) 394-0184 |
Frantz Gaston Jr - State Farm Insurance Agent provides disability income protection planning for individuals in Paterson, New Jersey. The agency specializes in policies that replace a portion of lost earnings if illness or injury prevents work. Evaluations focus on each client’s occupation and income to determine appropriate coverage options. This office serves commercial clients, including local offices, warehouses, and food service establishments needing disability insurance for their employees.
Exclusive Insurance Brkg serves Paterson and Passaic County as a disability insurance agent. The company helps professionals and individuals find coverage that replaces a portion of lost income due to illness or injury. Agents review policy details such as benefit periods, elimination periods, and partial disability definitions. They also compare short-term and long-term disability plans from various insurers. The company guides clients through policy selection and assists with the underwriting process.
Veronica’s Insurance Agency provides a range of disability insurance services for clients in Paterson, New Jersey, helping individuals replace a portion of their income if they become unable to work due to illness or injury. The agency offers ongoing support to review and adjust coverage as client circumstances change over time. It serves single-family homes, apartments, retail businesses, and local restaurants.
Based in Paterson, New Jersey, Rayne Health Advisors serves clients in Paterson and the surrounding Passaic County communities, handling disability insurance policies. These plans provide income replacement when an illness or injury prevents a person from working. Local professionals and small business owners often seek such coverage to protect their financial stability. The agency typically begins by evaluating a client’s occupation and current income to identify suitable policy features.
Carmen's Insurance Agency serves local homeowners, businesses, and self-employed professionals in Paterson, New Jersey, by assisting them in selecting disability insurance policies that protect their income if illness or injury prevents them from working. The agency helps clients understand policy options, including benefit amounts and waiting periods, to match individual financial situations. It provides ongoing support during the application process and for future policy questions. Coverage guidance is also extended to residents in Clifton, ensuring access to tailored disability protection throughout the surrounding Passaic County area.
Adamas Insurance Brokerage in Paterson, NJ distinguishes between one-time policy evaluations and recurring service plans for ongoing protection. The company assists clients in selecting disability insurance coverage that replaces a portion of lost income due to illness or injury. General services include assessing individual risk factors and comparing policy terms for local residents and small businesses. Service runs on either a scheduled annual review or an as-needed basis when changes in employment or health occur.
Amana Insurance Agency in Paterson specializes in helping individuals secure disability insurance policies that provide income replacement if they are unable to work due to illness or injury. It also offers guidance on policy options for professionals in various local industries, tailoring coverage to fit different income needs and budgets. The agency addresses the specific financial concern of ensuring clients can maintain mortgage payments and household expenses during a recovery period after an accident or serious health condition.
As the colder months approach in Paterson, many local employees worry about protecting their income from unexpected illness or injury. Olmen Insurance Agency helps area workers navigate these concerns as a disability insurance agent, offering guidance on policy options that replace lost wages during recovery. They review individual employment situations to recommend suitable coverage plans. The initial consultation begins with a straightforward assessment of a client’s current benefits and income needs.
Goosehead Insurance - Haya Matari in Paterson, New Jersey, provides individual and group disability insurance coverage for local residents and businesses. The agency helps clients secure policies that replace a portion of income if they are unable to work due to injury or illness. Disability income protection services are added to standard planning to address sudden loss of earnings. The firm can assist commercial sectors such as offices, warehouses, and food service operations with tailored policies for their employees.
SR22 Insurance Solutions serves residents in Paterson, NJ, helping them secure disability insurance coverage for income protection. The company also assists local businesses in obtaining disability policies for their employees in the surrounding area. Their agents guide clients through policy options designed to replace lost wages due to injury or illness. They work to address ongoing coverage needs, ensuring adjustments are made during seasonal or annual policy reviews as circumstances change.
What Does a a Disability Insurance Agent in Paterson Cost?
Disability insurance agent services in New Jersey typically cost nothing upfront because agents earn commissions from insurance companies. Premiums for private policies range from 1% to 3% of your annual income, depending on your age, health, and occupation. A 40-year-old office worker might pay $800 to $1,500 per year for a policy covering 60% of income. Costs vary significantly by case and insurer. This is general information, not insurance advice.
About disability insurance agents in Paterson
A disability insurance agent in Paterson New Jersey can help you choose the right policy or assist with an existing claim. New Jersey law requires employers to provide Temporary Disability Insurance through the state program, but private agents can help with supplemental coverage. 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 Paterson do?
A disability insurance agent helps you find and apply for disability coverage that fits your needs. They explain policy terms, compare options from different insurers, and assist with filing claims. In New Jersey, agents also help coordinate private policies with state Temporary Disability Insurance benefits.
How long do I have to file a disability claim in New Jersey?
For New Jersey Temporary Disability Insurance, you must file your claim within 30 days of becoming disabled. If you miss this deadline, you can still file up to 26 weeks later with a valid reason. Private policies may have different time limits, so check your specific contract.
Do I need a disability insurance agent if I have New Jersey state coverage?
State Temporary Disability Insurance provides basic wage replacement, but it may not cover all your income. A private agent can help you buy a supplemental policy to fill gaps. Agents also help you understand how state benefits affect private claim payouts.
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