The top-rated disability insurance agent in Saddle Brook, New Jersey is Manny Coby - State Farm Insurance Agent, rated 4.9 stars across 266 reviews. Other highly rated options include C. Tony Cigna: Allstate Insurance, Lee, Nolan & Koroghlian, LLC, New York Life Insurance. This directory lists 13 disability insurance agents serving Saddle Brook.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Manny Coby - State Farm Insurance Agent | 275 Market St | (201) 368-9080 |
| 2 | C. Tony Cigna: Allstate Insurance | 190 Market St | (973) 778-1600 |
| 3 | Lee, Nolan & Koroghlian, LLC | Park 80 West, Plaza, 250 Pehle Ave I, Suite 405 | (973) 237-0100 |
| 4 | New York Life Insurance | 250 Pehle Ave #900 | (201) 845-6900 |
| 5 | The Benefit Source, LLC | 250 Pehle Ave #405 | (973) 237-4330 |
| 6 | My Insurance Broker LLC | 250 Pehle Ave Suite 200 | (201) 797-2060 |
| 7 | 뉴욕 라이프 생명보험 뉴저지 생명보험 Lois Shin | 250 Pehle Ave #900 | (917) 789-4948 |
| 8 | Calogero Cigna: Allstate Insurance | 190 Market St | (973) 778-1600 |
| 9 | Marsh McLennan Agency | Park 80 West, Plaza Two, 250 Pehle Ave Suite 400 | (201) 845-6600 |
| 10 | Hanna Shin, Financial Professional - New York Life | 250 Pehle Ave #900 | (917) 789-4948 |
Manny Coby - State Farm Insurance Agent serves residents in Bergen County and the surrounding area from its Saddle Brook, New Jersey location. The agency provides disability insurance and other personal insurance coverage to local families and individuals. These policies help protect a portion of a person’s income if they become unable to work due to illness or injury. The office handles short-term and long-term disability insurance plans, offering guidance on policy options that align with each client’s specific employment and financial situation.
C. Tony Cigna: Allstate Insurance in Saddle Brook, New Jersey, provides disability insurance solutions designed to help replace lost income if an individual cannot work due to illness or injury. This agency assists clients by assessing various policy options and navigating the application process to find suitable coverage. Servicing single-family homes, apartments, retail businesses, and restaurants, it helps ensure that households and commercial operations maintain financial stability when unexpected health issues arise.
Serving homeowners, businesses, and property managers in Saddle Brook, New Jersey, Lee, Nolan & Koroghlian, LLC helps clients secure disability insurance policies to protect income against unforeseen illness or injury. The company guides individuals and employers through the selection of coverage tailored to their financial situations and professional needs. Its agents evaluate benefit amounts, elimination periods, and policy riders to find suitable plans for local clients. The firm also extends its services to neighboring communities in the Bergen County area, including Paramus.
Serving Saddle Brook and the surrounding communities of Bergen County, New York Life Insurance handles disability insurance policies designed to protect local residents against income loss due to injury or illness. As a local agent in this region, the firm focuses on individual long-term and short-term coverage options for professionals and small business owners. It typically begins every client engagement by reviewing current earnings and existing employer benefits to recommend a suitable private policy that fills coverage gaps.
The Benefit Source, LLC in Saddle Brook, NJ, navigates clients through the critical distinction between one-time permanent disability coverage and ongoing, scheduled income replacement policies. As a local disability insurance agent, the firm focuses solely on helping individuals secure financial protection that corresponds to their specific career and lifestyle needs. Service is available on an as-needed basis, allowing clients to connect for policy reviews, life-change adjustments, or initial plan evaluations without a recurring commitment.
My Insurance Broker LLC focuses on disability insurance agent services for residents of Saddle Brook, New Jersey, guiding individuals through the process of securing income protection policies. The agency provides local consultations to explain coverage options tailored to various professional and personal circumstances. Whether helping a recent graduate anticipate potential long-term income loss or assisting a tradesperson facing a planned surgery recovery period, the company addresses seasonal fluctuations in risk and the specific financial vulnerabilities that arise during career transitions.
뉴욕 라이프 생명보험 뉴저지 생명보험 Lois Shin serves Saddle Brook and the surrounding region of New Jersey, specializing as a Disability Insurance Agent. The company helps clients navigate disability income protection within the local area. This agency assists professionals in evaluating their coverage needs for loss of income due to illness or injury. Specific services handled here include individual disability policies and group short-term disability plans for small businesses.
During open enrollment periods in Saddle Brook, many residents seek guidance on income protection. Calogero Cigna: Allstate Insurance serves as a local disability insurance agent, helping clients understand policy options that replace lost wages if illness or injury prevents work. The agency focuses on matching individual coverage to specific professions and income levels. An initial consultation typically reviews existing employer benefits and personal financial obligations. The process concludes with a scheduled assessment of current policies and potential gaps in coverage.
Hanna Shin provides residential disability insurance agent services to individuals in the Saddle Brook area. Commercial coverage arrangements are also available for local small businesses that require protection for key employees. Serving the entirety of Saddle Brook, New Jersey, the office helps clients navigate policy options to secure income replacement. After an initial consultation, the process often involves a detailed review of existing plans. Clients frequently return for annual policy reviews and adjustments between regular scheduled visits, ensuring coverage remains aligned with changing needs.
What Does a a Disability Insurance Agent in Saddle Brook Cost?
Costs for disability insurance agent services in New Jersey vary by policy type and coverage amount. Agents typically earn commissions from insurance carriers, so their services may be free to you. Premiums for individual disability insurance in New Jersey can range from 1% to 3% of your annual income, depending on age, health, and occupation. Group policies through employers often have lower per-person costs. This is general information and not insurance advice.
About disability insurance agents in Saddle Brook
Disability insurance agents in Saddle Brook, New Jersey help residents and local businesses secure income protection policies. New Jersey requires employers to provide Temporary Disability Insurance through the state program, but private agents can assist with supplemental or individual plans. These agents guide clients through policy options, claim processes, and state-specific rules.
Frequently Asked Questions
What does a disability insurance agent in Saddle Brook do?
A disability insurance agent helps you find and apply for short-term or long-term disability policies. They explain coverage terms, compare plans from different carriers, and assist with claim filings. In New Jersey, agents can also clarify how private plans interact with state-mandated Temporary Disability Insurance.
How is New Jersey Temporary Disability Insurance different from private disability insurance?
New Jersey Temporary Disability Insurance is a state-run program that provides partial wage replacement for non-work-related illnesses or injuries. Private disability insurance offers more flexible coverage, higher benefit amounts, and longer benefit periods. An agent can help you decide if a private policy is needed to supplement state benefits.
What are the time limits for filing a disability claim in New Jersey?
For New Jersey Temporary Disability Insurance, you must file a claim within 30 days of becoming disabled. For private policies, time limits vary by contract but often require notice within 20 to 30 days. A local agent can review your specific policy deadlines and help you submit paperwork on time.
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