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Browse disability insurance agents serving Baldwin, New York. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Baldwin, NY
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 York before hiring.
Showing 2 disability insurance agents in Baldwin, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Robert Elbogen - State Farm Insurance Agent
1201 Grand Ave, Baldwin, NY 11510
(516) 505-2886
robertelbogen.com
Ability Service Agency Inc
2075 Grand Ave, Baldwin, NY 11510
(516) 223-3144
abilityservice.com
A disability insurance agent in Baldwin, New York can help you find a policy that protects your income if you become unable to work. New York State requires employers to provide short-term disability benefits through the Disability Benefits Law, but private agents can help you secure additional long-term coverage. Working with a local agent ensures you understand how state mandates and policy options apply to your situation in Nassau County.
What Does a Disability Insurance Agent in Baldwin Cost?
The cost of working with a disability insurance agent in Baldwin is typically free to you, as agents earn commissions from the insurance company. Premiums for individual disability policies in New York can range from 1% to 3% of your annual income, so a policy covering a $60,000 salary might cost $600 to $1,800 per year. Costs vary based on your age, health, occupation, and benefit terms. This is general information and 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 Baldwin do?
A disability insurance agent helps you compare policies from different insurers to find coverage that fits your needs. They explain policy terms, benefit amounts, and elimination periods. Agents do not provide legal advice but can guide you through the application process.
How is New York disability insurance different from other states?
New York has a mandatory short-term disability insurance program through the Disability Benefits Law, which provides partial wage replacement for non-work-related injuries or illnesses. Private agents can help you add long-term coverage that goes beyond the state minimum. New York also has specific time limits for filing claims, often within 30 days of disability onset.
Do I need a disability insurance agent if my employer offers coverage?
Employer-sponsored plans may not provide enough coverage for your full income. An agent can help you evaluate gaps and purchase a supplemental individual policy. New York law allows you to buy private coverage even if you have group insurance through work.
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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 York.