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Directory of disability insurance agents in Coram, New York. Verify credentials with the state department of insurance before hiring.
5 agents listed
Updated May 2026
Coram, 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 5 disability insurance agents in Coram, 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.
Patty Herbstman - State Farm Insurance Agent
1672 NY-112, Coram, NY 11727
(631) 509-6890
herbstmaninsurance.com
National Computerized Agencies Inc
2201 NY-112, Coram, NY 11727
(631) 737-0700
coveragequote.com
Secure Harbor Insurance NY
3732 NY-112, Coram, NY 11727
(631) 532-8074
copcoverage.com
Nu Concept Insurance Inc
3663 NY-112 #9, Coram, NY 11727
(631) 736-3300
Paul T. Donoghue Insurance
356 Middle Country Rd, Coram, NY 11727
(631) 880-3065 ext. 202
pauldonoghueinsurance.com
A disability insurance agent in Coram, New York helps individuals and small business owners protect their income. New York State requires employers to provide short-term disability benefits through the Disability Benefits Law (DBL). An agent can explain how DBL works and help you find supplemental private coverage to fill gaps in your income protection.
What Does a Disability Insurance Agent in Coram Cost?
The cost of disability insurance in New York varies by age, health, occupation, and benefit amount. Typical premiums range from 1% to 3% of your annual income. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy covering 60% of income. Costs are higher for high-risk occupations. 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 Coram do?
An agent reviews your income, occupation, and health to find a suitable disability policy. They explain policy terms, waiting periods, and benefit amounts. They also help you compare plans from different carriers licensed in New York.
Is disability insurance required by law in New York?
Yes, New York State requires most employers to provide short-term disability benefits under the Disability Benefits Law (DBL). This covers non-work related injuries or illnesses. However, DBL provides limited benefits, so many people buy additional private coverage.
How do New York disability benefits work with Social Security?
Private disability insurance often coordinates with Social Security Disability Insurance (SSDI). If you qualify for SSDI, your private policy may reduce its benefit by the SSDI amount. An agent can explain how this offset works in your specific policy.
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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.