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Directory of disability insurance agents in Ramsey, New Jersey. Verify credentials with the state department of insurance before hiring.
4 agents listed
Updated May 2026
Ramsey, NJ
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New Jersey before hiring.
Showing 4 disability insurance agents in Ramsey, NJ
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Randy Loyd - State Farm Insurance Agent
145 N Franklin Tpke #333, Ramsey, NJ 07446
(201) 825-2100
randyloyd.com
American Insurance Agency LLC
145 N Franklin Tpke, Ramsey, NJ 07446
(551) 866-1741
Key Group Benefits
70 Hilltop Rd #2450, Ramsey, NJ 07446
(201) 604-2524
keygroupbenefit.com
Durkin Agency, Inc.
70 Hilltop Rd # 2400, Ramsey, NJ 07446
(201) 567-3700
durkinagency.com
Disability insurance agents in Ramsey, New Jersey help individuals and businesses secure income protection plans. New Jersey law requires employers to provide Temporary Disability Insurance through the state program, but private agents can assist with supplemental or long-term coverage. Working with a local agent ensures you understand how state benefits interact with private policies.
What Does a Disability Insurance Agent in Ramsey Cost?
Disability insurance premiums in New Jersey typically range from 1% to 3% of your annual income, depending on your age, health, occupation, and benefit amount. For a 35-year-old professional, a policy might cost $50 to $150 per month. Costs vary by situation, and this is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a disability insurance agent in Ramsey do?
A disability insurance agent helps you compare policies from different carriers, explains benefit terms, and assists with filing claims. They can also advise on how New Jersey state disability benefits coordinate with private plans.
How is New Jersey disability insurance different from other states?
New Jersey has a mandatory state Temporary Disability Insurance program that provides partial wage replacement for up to 26 weeks. A private agent can help you find a policy that fills gaps not covered by the state plan.
What should I look for when choosing an agent in Ramsey?
Look for an agent licensed in New Jersey with experience in disability insurance. Ask about their knowledge of state-specific rules and whether they represent multiple insurance carriers to offer you a range of options.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of New Jersey.