The top-rated disability insurance agent in Commack, New York is Cary Nichols - GEICO Insurance Agent, rated 4.8 stars across 6,042 reviews. Other highly rated options include Peter D'Amato: Allstate Insurance, Jacquelyn Jacobson - State Farm Insurance Agent, Erin DeMeo - State Farm Insurance Agent. This directory lists 14 disability insurance agents serving Commack.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cary Nichols - GEICO Insurance Agent | 75 Henry St | (631) 623-4460 |
| 2 | Peter D'Amato: Allstate Insurance | 129 Commack Rd | (631) 543-5900 |
| 3 | Jacquelyn Jacobson - State Farm Insurance Agent | 354 Veterans Memorial Hwy Ste 9 | (631) 343-4142 |
| 4 | Erin DeMeo - State Farm Insurance Agent | 310 Commack Rd | (631) 499-2022 |
| 5 | Ted Kosmidis - State Farm Insurance Agent | 31 Vanderbilt Motor Pkwy | (631) 499-2901 |
| 6 | Tango, Tango & Tango, Inc. | 1139 Jericho Tpke 5 Suite 5 | (631) 543-0500 |
| 7 | Aljay Insurance Brokerage Ltd. | 6143 Jericho Tpke Suite 100 | (631) 261-3988 |
| 8 | Jim Maguire: Allstate Insurance | 8 Vanderbilt Motor Pkwy | (631) 462-8200 |
| 9 | Apex Insurance Services | 6080 Jericho Tpke # 101 | (516) 898-8000 |
| 10 | Sure Policy Group | 66 Commack Rd #308 | (631) 729-9562 |
Cary Nichols - GEICO Insurance Agent serves Commack and Suffolk County, providing disability insurance agent services to local residents and professionals. The agency assists individuals in understanding how disability coverage can replace a portion of lost income during a medical leave or rehabilitation period. It helps clients evaluate short-term and long-term disability options that align with their personal financial planning needs. The company handles applications for group disability policies through employers and individual plans for self-employed workers in the area.
Peter D'Amato, operating as Allstate Insurance in Commack, NY, offers a broad range of disability insurance agent services tailored to local professionals and small business owners. The company works with clients to review existing coverage and adjust plans for changing income needs, ensuring long-term income protection. Regular plan evaluations help maintain adequate financial security. The agency services accounts for single-family homes and apartments, as well as retail stores and restaurants.
Homeowners, local businesses, and independent contractors in Commack, New York turn to Jacquelyn Jacobson - State Farm Insurance Agent for disability insurance coverage. The agency helps clients protect their income with policies suited for different professional needs and health circumstances. Personalized consultations allow customers to understand policy options and coverage limits available to them. This agency also serves families and professionals in Huntington Station and the surrounding Suffolk County metro areas.
Erin DeMeo - State Farm Insurance Agent serves Commack, New York, and its surrounding communities. The agency handles disability insurance, which provides income protection for individuals who are unable to work due to illness or injury. The company evaluates each client's specific occupation, income level, and coverage needs. It then works to design a suitable policy that helps replace lost earnings during a period of disability. The agency typically starts by conducting a thorough personal consultation to understand the client’s financial situation and goals before presenting policy options.
For clients in Commack, NY, choosing between a single consultation and ongoing policy management is a key first step with Ted Kosmidis - State Farm Insurance Agent. Their disability insurance agent services focus on explaining how income replacement coverage safeguards earnings during illness or injury. They help individuals review policy terms to match specific employment situations and long-term needs. Assistance includes filing claims and adjusting benefits when circumstances change. This local agency operates on a combination of one-time policy setup meetings and as-needed support for future coverage adjustments or claim questions.
Many Long Island residents begin evaluating their disability insurance needs after a significant life change or a seasonal shift in employment. Aljay Insurance Brokerage Ltd. in Commack, NY assists individuals and local small-business owners in understanding how disability insurance can replace lost income during an unexpected illness or injury. As a dedicated disability insurance agent, the company guides clients through policy comparisons focused on coverage terms and benefit amounts. Typically, services start with an initial-assessment step to review current financial obligations and identify the most suitable protection strategies.
Jim Maguire: Allstate Insurance in Commack, New York, helps individuals and business owners assess and secure appropriate disability income protection. This local agency works to explain the different policy options available, focusing on coverage that replaces lost wages during injury or illness. The agent assists professionals in matching a benefit period and waiting period to their personal financial situation. For commercial policyholders, the agency helps protect operations in offices, warehouses, and food service settings.
Apex Insurance Services serves residents throughout Commack, NY with income protection plans tailored to individual needs. Commercial disability coverage is also available for local businesses seeking to safeguard their operations and employees. As a dedicated disability insurance agency, the firm helps clients assess policy options for replacing lost wages due to illness or injury. Ongoing follow-up and annual policy reviews are standard to adjust coverage between regular visits.
Sure Policy Group is known for assisting individuals and families in Commack, NY, with disability insurance coverage that protects income during illness or injury. The agency evaluates local employment conditions and personal financial needs to recommend suitable short-term or long-term policies. Clients receive guidance through the application process and policy terms. A specialty service this agent can provide is helping small business owners secure group disability plans for their employees.
What Does a a Disability Insurance Agent in Commack Cost?
Costs for disability insurance in New York vary based on age, occupation, health, and benefit amount. Premiums for individual policies typically range from 1% to 3% of annual income. Group plans through employers often cost less per month. This is general information, not insurance advice.
About disability insurance agents in Commack
Disability insurance agents in Commack, New York help individuals and businesses secure income protection. New York law requires certain employers to provide short-term disability benefits through the New York State Disability Benefits Law. A local agent can explain how these state-mandated benefits interact with private policies and help you choose coverage that fits your needs.
Frequently Asked Questions
What does a disability insurance agent in Commack do?
A disability insurance agent in Commack helps you compare policies from different carriers. They explain policy terms, waiting periods, and benefit amounts. They also assist with filing claims and understanding New York-specific regulations.
How does New York law affect disability insurance?
New York requires most employers to provide short-term disability benefits under the Disability Benefits Law. This law covers off-the-job injuries and illnesses. A Commack agent can help you understand how these state benefits coordinate with private long-term disability policies.
What is the typical timeline for a disability claim in New York?
Under New York law, insurers must pay or deny a claim within 45 days of receiving proof of loss. If additional information is needed, they have 15 days to request it. A Commack agent can help you gather documents and meet deadlines.
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