The top-rated disability insurance agent in Teaneck, New Jersey is Mariela Gonzalez - State Farm Insurance Agent, rated 5.0 stars across 121 reviews. Other highly rated options include Hifi Associates, Inc., Dapinder Kaur: Allstate Insurance, EL Risk. This directory lists 14 disability insurance agents serving Teaneck.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mariela Gonzalez - State Farm Insurance Agent | 504b Cedar Ln | (201) 530-7779 |
| 2 | Hifi Associates, Inc. | 721 Cedar Ln | (413) 354-4434 |
| 3 | Dapinder Kaur: Allstate Insurance | 415 Cedar Ln | (201) 836-8001 |
| 4 | EL Risk | 44 Westgate Rd | (516) 491-7235 |
| 5 | Risk Strategies Company | 1086 Teaneck Rd #5b | (856) 420-7633 |
| 6 | Best Insurance CO NJ | 980 Teaneck Rd | (551) 365-1976 |
| 7 | Legacy Insurance Service | 252-258 Degraw Ave | (551) 362-2919 |
| 8 | Preferred Service Agency Inc | 411 Cedar Ln | (551) 270-9763 |
| 9 | Rance Insurance Agency | 244 Edgemont Terrace | (201) 862-1500 |
| 10 | Zimm Insurance Agency | 1340 Teaneck Rd | (201) 730-5500 |
Mariela Gonzalez - State Farm Insurance Agent serves Teaneck, NJ, and the surrounding Bergen County area with disability insurance agent services. The office helps residents protect their income by offering policies that provide financial support if an injury or illness prevents them from working. Each plan is designed to replace a portion of a client’s earnings during recovery. The agency also assists with filing claims and reviewing policy options to match individual employment situations.
Hifi Associates, Inc. provides disability insurance agent services to clients in Teaneck, New Jersey. The company assists individuals and businesses in evaluating their coverage needs and selecting appropriate policies. Ongoing support includes policy reviews and claim assistance to help maintain adequate protection over time. The firm handles applications and renewals to ensure continuous coverage. It services a variety of clients, including professionals, entrepreneurs, and local businesses, addressing the protection needs of single-family homes, apartments, retail locations, and restaurants.
Dapinder Kaur: Allstate Insurance serves homeowners, businesses, and property managers in the Teaneck area by offering disability insurance agent services. This agency helps clients assess their income protection needs and navigate policy options to secure financial stability in case of injury or illness. The agent provides individualized consultations to explain coverage terms and exclusions clearly. Residents and commercial clients in Teaneck rely on this office for straightforward guidance on disability plans. The agency also serves neighboring communities within Bergen County.
EL Risk serves clients in Teaneck, New Jersey, and the surrounding communities of Bergen County. The agency handles applications for disability insurance policies, which replace a portion of income if a sickness or injury prevents someone from working. The firm typically assesses an individual’s occupation and financial situation to find appropriate coverage from standard insurers. To complete a typical job, it gathers medical and employment records, submits them with the application, and follows up on the carrier’s underwriting and approval process.
Risk Strategies Company in Teaneck, NJ, handles both one-time consultations and recurring service arrangements for disability insurance needs. They assist clients in evaluating coverage options that protect income in case of illness or injury. Working within the local area, the agent explains policy terms, benefit periods, and elimination periods to help individuals and businesses make informed decisions. Service runs on a one-time, scheduled, or as-needed basis depending on each client's ongoing requirements for policy reviews or updates.
Best Insurance CO NJ specializes in helping clients in Teaneck and the surrounding area navigate the complexities of disability income protection. The agency works with individuals to understand policy options that safeguard earnings when illness or injury prevents work. It also assists small business owners in structuring coverage for their practices. As tax season approaches, it helps self-employed professionals adjust their applications to reflect income fluctuations from the prior year.
As the seasons change in Teaneck, local workers often reassess their financial safety nets against unexpected illnesses or injuries. Legacy Insurance Service helps residents explore disability insurance options tailored to individual career risks. This agency specializes in guiding clients through the often-confusing process of selecting policies that replace income during recovery. They explain key coverage terms and waiting periods based on a person’s specific occupation. An initial consultation involves reviewing current income sources and employment benefits to clarify protection gaps and immediate coverage needs.
Preferred Service Agency Inc serves clients in Teaneck, New Jersey, with residential disability insurance coverage to help protect personal income during illness or injury. The company also assists local businesses in the area by arranging commercial disability insurance plans for their employees. Agents guide customers through policy options and claims when needed. Follow-up service is available between regular visits to adjust coverage as circumstances change, ensuring continued financial protection remains aligned with individual or workplace needs.
Rance Insurance Agency operates as a disability insurance agent, helping individuals in Teaneck, New Jersey, secure coverage that replaces lost income when they cannot work due to illness or injury. The agency focuses specifically on disability policies, advising clients on benefit terms and eligibility requirements unique to this region. It serves local commercial sectors by coordinating plans tailored for office workers, warehouse staff, and those in food service operations.
What Does a a Disability Insurance Agent in Teaneck Cost?
Disability insurance agent services in Teaneck are usually free to you because agents earn commissions from insurance carriers. Policy premiums vary widely based on age health occupation and benefit amount. Typical monthly premiums for a 40 year old in good health range from 1 percent to 3 percent of your annual income. For example a policy covering 60 percent of a 60000 dollar salary might cost 50 to 150 dollars per month. This is general information not insurance advice.
About disability insurance agents in Teaneck
Disability insurance agents in Teaneck New Jersey help residents protect their income with individual or group policies. New Jersey law requires employers to provide Temporary Disability Insurance through the state program but private agents can supplement this with additional 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 Teaneck do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your needs. They explain policy terms like elimination periods and benefit durations. They also assist with filing claims and understanding how New Jersey state disability benefits coordinate with private insurance.
How does New Jersey state disability insurance affect private coverage?
New Jersey provides Temporary Disability Insurance through the state program which pays up to 60 percent of your wages for a maximum of 26 weeks. A private disability insurance agent can help you buy a policy that fills the gap between state benefits and your full income. This is important because state benefits have a weekly maximum cap that may not cover your full salary.
What is the statute of limitations for disability insurance claims in New Jersey?
For private disability insurance policies in New Jersey the statute of limitations to file a lawsuit is typically three years from the date of the denial of your claim. However you should check your specific policy because some contracts require filing within a shorter time. An agent can help you understand your policy deadlines.
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