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Compare Disability Insurance Agents in Somerset, NJ
Looking for a disability insurance agent in Somerset? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Somerset, 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 Somerset, 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.
Joe Medicare
575 Easton Ave Suite 14d, Somerset, NJ 08873
(732) 658-2525
joemedicare.com
Barrood Agency Inc.
700 Easton Ave 1st Floor, Somerset, NJ 08873
(732) 247-8664
barrood.com
Garden Mutual
900 Easton Ave, Somerset, NJ 08873
(908) 388-4916
gardenmutual.com
The Hanover Insurance Group Regional Office
300 Atrium Dr 3rd floor, Somerset, NJ 08873
(732) 805-2000
hanover.com
Disability insurance agents in Somerset, New Jersey help individuals and businesses find coverage to protect income if injury or illness prevents work. New Jersey law requires employers to provide Temporary Disability Insurance through the state program, but private agents can help secure supplemental or long-term policies. Working with a local agent ensures you understand how state benefits interact with private plans.
What Does a Disability Insurance Agent in Somerset 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 40-year-old professional earning $100,000, a policy might cost $100 to $250 per month. Costs vary widely by carrier and coverage level. 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 Somerset do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your needs and budget. They explain policy terms, exclusions, and how New Jersey state disability benefits may affect your private coverage. They do not provide legal advice or handle claims disputes.
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. Private agents can help you purchase supplemental policies that cover income beyond what the state provides. Agents in Somerset are familiar with how state law coordinates with private plans.
Do I need a disability insurance agent if I have employer coverage?
Even with employer coverage, an agent can review your policy to see if it fully protects your income. Employer plans may have limits or exclusions that leave gaps. An agent can help you find an individual policy to fill those gaps.
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Compare Disability Insurance Agents
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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.