The top-rated disability insurance agent in Holbrook, New York is Brian O'Keefe - State Farm Insurance Agent, rated 4.9 stars across 391 reviews. Other highly rated options include VRP Insurance Agency, Fairway Insurance Agency, GMJ Insurance Brokerage LLC. This directory lists 11 disability insurance agents serving Holbrook.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Brian O'Keefe - State Farm Insurance Agent | 411 Furrows Rd | (631) 580-3276 |
| 2 | VRP Insurance Agency | 955 Main St Suite 2 | (631) 738-7300 |
| 3 | Fairway Insurance Agency | 101 Colin Dr #7 | (631) 676-2200 |
| 4 | GMJ Insurance Brokerage LLC | 4250 Veterans Memorial Hwy Suite 3100W | (631) 855-0281 |
| 5 | The Coste Agency, Inc. | 1000 Main St | (631) 588-2116 |
| 6 | Matthew Fox: Allstate Insurance | 4250 Veterans Memorial Hwy Ste 228e | (631) 981-4900 |
| 7 | Florence Insurance NY | 233 Union Ave | (347) 315-1511 |
| 8 | Enterprise Insurance | 761 Coates Ave N Ste #41 | (631) 536-5100 |
| 9 | Aflac Insurance Agent - Michael P Destefano | 4250 Veterans Memorial Hwy | (631) 676-5608 |
| 10 | Supreme Agency Inc | 4250 Veterans Memorial Hwy # 245E | (631) 567-3332 |
Brian O'Keefe - State Farm Insurance Agent serves the Holbrook, New York area and surrounding Suffolk County. As a disability insurance agent, the company assists individuals and families in securing income protection against illness or injury. This local agency helps clients understand their options for short-term and long-term disability coverage. It also guides customers through the process of selecting appropriate disability policies to meet personal financial needs. The firm handles both employer-sponsored and individual disability insurance plans.
VRP Insurance Agency in Holbrook, NY offers a full range of disability insurance services to help individuals protect their income. Its team assists clients in selecting and maintaining appropriate coverage, providing periodic policy reviews to ensure benefits align with changing needs. The agency serves a diverse clientele in the surrounding area, including professionals, small business owners, and residents of single-family homes, apartments, retail spaces, and restaurants.
Fairway Insurance Agency in Holbrook, NY, works with local homeowners, business owners, and self-employed professionals to provide disability insurance coverage that protects income in case of illness or injury. The agency helps policyholders understand policy terms, waiting periods, and benefit options tailored to individual career needs and budgets. Its services also serve clients in surrounding Suffolk County communities such as Ronkonkoma and Farmingville, where long-term income protection is a priority for residents and small businesses alike.
GMJ Insurance Brokerage LLC serves Holbrook, New York, and the surrounding communities on Long Island. The company handles disability insurance, helping individuals and local businesses secure coverage that replaces income when illness or injury prevents work. It assists clients in evaluating policy options from various carriers to find suitable benefit terms. For a typical client, the agency reviews current employment benefits, explains policy features, and compares quotes to recommend a plan that aligns with their specific financial needs.
The Coste Agency, Inc., located in Holbrook, NY, focuses on matching individuals with disability insurance policies that replace lost income during illness or injury. The agency guides clients through complex plan options to secure tailored wage replacement coverage. This local agent helps professionals and business owners evaluate waiting periods and benefit durations. For those approaching tax season, the agency can address how policy premiums may impact self-employed filings, ensuring proper financial planning.
In Holbrook, NY, Matthew Fox: Allstate Insurance offers both one-time policy assessments for immediate disability coverage needs as well as recurring service options for long-term income protection planning. The firm provides access to disability insurance, which replaces a portion of an individual’s salary if illness or injury prevents them from working. Their service runs on both a scheduled and as-needed basis to accommodate changing local circumstances.
During open enrollment periods in the Holbrook area, individuals often seek guidance on income protection. Florence Insurance NY responds by helping clients understand disability insurance options tailored to their specific employment situations. The agent reviews local occupational risks and benefit needs, explaining policy details in clear terms. An initial consultation begins with a personal meeting to assess the applicant’s current coverage and identify any gaps, followed by a straightforward comparison of available plans before any formal application is submitted.
Enterprise Insurance works with individuals and employers in Holbrook, New York, providing general insurance services with a specialty in disability insurance coverage. The agency helps clients understand short-term and long-term disability policies that protect income during illness or injury. It advises on benefit structures and policy options for various work environments. Commercial sectors served by Enterprise Insurance include professional offices, industrial warehouses, and food service establishments where payroll protection plans are essential business safeguards.
Serving residents in their Holbrook homes, this agency provides disability insurance protection tailored to individual needs. Commercial coverage is also extended to small businesses and professionals across the surrounding Long Island area. Policyholders receive direct assistance with claims for injuries or illnesses that prevent them from working. Regular office visits allow clients to review their existing policies and discuss any adjustments needed for life changes. Follow-up service is consistently available between those scheduled appointments to answer questions or process minor updates.
Supreme Agency Inc is recognized as a local disability insurance agent serving Holbrook, NY, and the surrounding area. The agency helps individuals and professionals understand and secure disability income protection policies to replace lost wages if injury or illness prevents them from working. They guide clients through policy options that cover short-term and long-term disability needs. The business can also advise on integrating disability coverage with existing financial plans to ensure comprehensive income security.
What Does a a Disability Insurance Agent in Holbrook Cost?
The cost of a disability insurance agent in New York typically ranges from 1% to 3% of the policy premium as a commission, or a flat fee of 200 to 500 dollars for consultation. Policy premiums themselves vary widely from 1% to 3% of your annual income for individual plans. Costs depend on your occupation, health, and coverage amount. This is general information, not insurance advice.
About disability insurance agents in Holbrook
A disability insurance agent in Holbrook, New York can help you understand your policy options and file claims. New York state law requires certain disability benefits for employees under the Workers Compensation Law. Working with a local agent ensures you get guidance tailored to Suffolk County regulations and your specific needs.
Frequently Asked Questions
What does a disability insurance agent in Holbrook do?
A disability insurance agent helps you choose a policy, file claims, and navigate the appeals process. In New York, agents must be licensed by the Department of Financial Services. They can explain state-specific rules like the 30-day waiting period for short-term disability benefits.
How long do I have to file a disability claim in New York?
Under New York law, you generally have 30 days from the start of your disability to notify your employer. For private policies, the time limit varies by contract. An agent can help you meet all deadlines to avoid claim denial.
Are disability insurance benefits taxable in New York?
If you pay the premiums with after-tax dollars, benefits are usually tax-free. If your employer pays the premiums, benefits may be taxable as income. New York follows federal tax rules for this. An agent can clarify your specific situation.
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