The top-rated disability insurance agent in Deer Park, New York is Paul D'Arienzo - State Farm Insurance Agent, rated 4.8 stars across 147 reviews. Other highly rated options include Lake Insurance, Bruna Caravousanos: Allstate Insurance, Michael P. Gianfrancesco: Allstate Insurance. This directory lists 13 disability insurance agents serving Deer Park.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Paul D'Arienzo - State Farm Insurance Agent | 2144 Deer Park Ave | (631) 522-1804 |
| 2 | Lake Insurance | 1755 Deer Park Ave | (855) 525-3467 |
| 3 | Bruna Caravousanos: Allstate Insurance | 375 Commack Rd Ste 206 | (631) 254-9400 |
| 4 | Michael P. Gianfrancesco: Allstate Insurance | 253 Half Hollow Rd | (631) 242-0888 |
| 5 | Deborah Morson - State Farm Insurance Agent | 147 Lake Ave | (631) 667-8647 |
| 6 | Humana in Deer Park | 668 Nicolls Rd | (888) 217-3598 |
| 7 | SMR INSURANCE AGENCY INC | 375 Carlls Path #303 | (516) 426-9180 |
| 8 | Jay Tee Insurance | 1891 Deer Park Ave | (631) 242-3900 |
| 9 | Allstate Insurance Agent: Douglas J. Butler | 375 Commack Rd fl 2 | (631) 254-9400 |
| 10 | Coverage By Design | 87 N Industry Ct Suite J | (631) 649-7999 |
Paul D'Arienzo of State Farm Insurance Agent serves Deer Park and the surrounding Suffolk County area, specializing in disability insurance agency services. This local office helps individuals and business owners protect their income by providing policies that offer financial support if an illness or injury prevents them from working. The agent guides clients through the process of securing coverage tailored to their personal and professional needs. Specific services handled at this location include short-term and long-term disability insurance plans.
Lake Insurance serves as a disability insurance agent catering to clients in and around Deer Park, NY. The practice handles the initial evaluation of individual coverage options and supports clients through the policy application process. Long-term account maintenance is provided to help ensure policies stay aligned with changing personal circumstances. The company services a mix of property types within the local area, including single-family homes, apartments, retail spaces, and restaurants.
Homeowners, businesses, and property managers in Deer Park rely on Bruna Caravousanos: Allstate Insurance for disability insurance agent services. This agency helps clients select policies that provide income protection if an illness or injury prevents them from working. It assists individuals in understanding how disability coverage can safeguard their financial stability during recovery. The agency also guides business owners in structuring plans to shield their operations from the disruption of a key employee's absence. Its service area extends to neighboring communities throughout the Suffolk County region of Long Island.
Michael P. Gianfrancesco: Allstate Insurance serves Deer Park, New York, and the surrounding Long Island communities, handling disability insurance needs for local residents and professionals in the region. The agency assists clients in understanding their coverage options to protect their income in the event of an illness or injury. It typically works by reviewing an individual’s financial situation and explaining how policy terms apply to their daily work.
Deborah Morson - State Farm Insurance Agent in Deer Park, NY, offers both one-time policy evaluations and recurring service for ongoing needs as a disability insurance agent. Coverage helps protect an individual’s income if illness or injury prevents them from working. Supporting clients in familiarizing themselves with different policy structures and benefit periods forms a central part of the work. Service is provided on both a scheduled and as-needed basis depending on individual client requirements.
Specializing in disability income protection for professionals and self-employed individuals, Humana in Deer Park assists local residents with navigating policies that replace a portion of lost earnings after illness or injury. The agency provides guidance on claim documentation and plan selection throughout Suffolk County. During open enrollment periods or after a sudden medical diagnosis, agents help clients understand waiting periods and benefit durations to secure their household finances.
Many Deer Park residents begin searching for disability coverage after a sudden illness or injury disrupts their income. SMR INSURANCE AGENCY INC responds by explaining the key differences between short-term and long-term policies that protect local professionals. The agency helps clients evaluate waiting periods, benefit amounts, and occupation-specific provisions that are common in this region. A typical starting point for new clients involves scheduling a personal consultation to review their current earnings and existing workplace benefits before any formal application step.
Jay Tee Insurance assists individuals in Deer Park, New York, with navigating the complexities of income protection. As a disability insurance agent, the company focuses on helping clients evaluate policies designed to replace a portion of their earnings if an injury or illness prevents them from working. Specializing in this specific category of coverage, the agency works with professionals in varied commercial sectors, including offices, warehouses, and food service operations.
Serving residential clients in Deer Park and its surrounding communities, this disability insurance agent also offers commercial coverage for local businesses across the greater Suffolk County area. As a specialist in disability insurance, Douglas J. Butler helps clients protect their income against unforeseen medical events and injuries. The agency provides personalized guidance on individual policies and group plans. Clients often return for policy reviews or updates during annual enrollment periods or following major life changes between regular visits.
Coverage By Design serves as a disability insurance agent in Deer Park, NY, known for offering individual policy guidance and employer group plan consultation. The company assists clients with long-term and short-term disability coverage in both Nassau and Suffolk Counties. Their service range includes income protection evaluation for professionals, small business owners, and self-employed individuals. A specialty service they can add on is customized own-occupation disability policies tailored to protect specific medical and legal practices.
What Does a a Disability Insurance Agent in Deer Park Cost?
Disability insurance costs in New York depend on your occupation, age, and health. A private long-term policy for a Deer Park office worker might range from $50 to $200 per month for a $3,000 monthly benefit. DBL premiums are often under $1 per week per employee. Costs vary by carrier and underwriting. This is general information, not insurance advice.
About disability insurance agents in Deer Park
Disability insurance agents in Deer Park, New York help individuals and business owners secure income protection. New York State requires certain employers to provide short-term disability benefits through the Disability Benefits Law (DBL). A local agent can explain how DBL interacts with private policies and assist with claims in Suffolk County.
Frequently Asked Questions
What does a disability insurance agent in Deer Park do?
A disability insurance agent helps you compare policies from different carriers. They explain coverage options, such as own-occupation versus any-occupation definitions. They also assist with filing claims and understanding New York DBL requirements.
How does New York DBL affect my private disability policy?
New York DBL provides a base level of short-term disability benefits for eligible employees. A private policy can supplement DBL to increase your income replacement. Your agent can help coordinate both coverages to avoid gaps.
What is the typical cost for disability insurance in New York?
Premiums vary based on age, health, occupation, and benefit amount. For a healthy professional in Deer Park, a private policy might cost 1% to 3% of annual income. DBL coverage is typically a small payroll deduction. Costs are estimates and each case is different.
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