The top-rated disability insurance agent in Huntington Station, New York is Garbe Associates Insurance - Huntington, rated 5.0 stars across 88 reviews. Other highly rated options include Quick Auto Insurance Agency, Donald Hurley: Allstate Insurance, Sureness Insurance. This directory lists 10 disability insurance agents serving Huntington Station.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Garbe Associates Insurance - Huntington | 876 E Jericho Tpke | (631) 427-6093 |
| 2 | Quick Auto Insurance Agency | 1300 New York Ave A | (631) 673-7370 |
| 3 | Donald Hurley: Allstate Insurance | 837 E Jericho Tpke | (631) 421-4000 |
| 4 | Sureness Insurance | 260 Evergreen Ave | (631) 729-9397 |
| 5 | Omega Insurance | 33 Walt Whitman Rd Suite 107 | (631) 923-2520 |
| 6 | Graf Insurance | 1573 New York Ave | (631) 423-2233 |
| 7 | Ralph Silvers Agency Inc | 315 Walt Whitman Rd #310 | (631) 271-9200 |
| 8 | Capital Coverage, Inc. | 1895 New York Ave | (631) 427-0303 |
| 9 | Eric S. Studley & Associates Inc. | 234 W Jericho Turnpike 2nd Floor | (631) 673-9496 |
| 10 | Kabco Benefits Group Ltd | 273 Walt Whitman Rd | (631) 424-0627 |
Garbe Associates Insurance in Huntington Station, New York, serves the Suffolk County area as a disability insurance agent. The company assists individuals and professionals in securing income protection policies to replace lost wages due to illness or injury. It guides clients through various coverage options, helping them evaluate policy terms, benefit periods, and waiting periods. The agency specifically handles short-term disability insurance and long-term private disability plans for local residents and workers.
Quick Auto Insurance Agency in Huntington Station, NY offers a range of services for clients seeking disability insurance, including assistance with policy selection and claims guidance. Its plans focus on providing income replacement options and ongoing support for those unable to work due to injury or illness. The agency serves individual and business clients, ensuring policies are tailored to various professional needs. It provides its services to those owning single-family homes, apartments, retail, and restaurants.
Serving homeowners, businesses, and property managers in Huntington Station, New York, Donald Hurley: Allstate Insurance assists clients with securing disability insurance coverage. The agency helps local residents and professionals understand disability policies that protect their income if they become unable to work due to illness or injury. Services include policy reviews and guidance on selecting appropriate plans for individual needs. Coverage areas extend throughout western Suffolk County, including the nearby communities of Melville and South Huntington.
Sureness Insurance serves Huntington Station and the surrounding communities of Long Island, helping clients find coverage for disability protection. It handles applications for individual and group disability policies that replace lost income due to illness or injury. The agency guides policyholders through the complex paperwork and medical underwriting required for approval. For a typical job, it begins by assessing the client’s occupation and income needs, then submits applications to multiple insurers to compare benefit options and premiums before recommending a plan.
Omega Insurance, based in Huntington Station, NY, offers specialized evaluations of disability insurance policies, focusing on income protection for local professionals and small business owners. The agency works with clients to assess personal coverage gaps and navigate complex benefit structures from various carriers. Its general service work includes reviewing existing plans and coordinating with financial advisors to build long-term security strategies. As the colder months lead to increased workplace injuries and seasonal health issues, Omega Insurance helps local residents understand how temporary disabilities may affect their monthly income and benefit eligibility.
A person seeking disability insurance may require a one-time policy or ongoing coverage adjustments. Graf Insurance serves clients in Huntington Station, NY, as a disability insurance agent, assisting with policy selection and enrollment. Individual plans can help protect income in case of illness or injury, while group options may be available for local businesses. Support focuses on finding suitable coverage for a client’s specific situation and budget. Service runs on a scheduled or as-needed basis, depending on each client’s request for guidance or policy updates.
With the unpredictable climate and fluctuating health concerns affecting residents of Huntington Station, securing reliable income protection becomes a pressing priority for many families and professionals. Ralph Silvers Agency Inc serves this local need as a disability insurance agent, guiding clients through policies designed to replace lost earnings during illness or injury. They assess individual income sources and occupational demands to recommend appropriate coverage limits. The process begins with a comprehensive financial and personal risk evaluation to determine the specific policy options suited to each client’s circumstances.
Capital Coverage, Inc. operates as a disability insurance agent in Huntington Station, New York, working to help individuals and businesses secure coverage that provides income protection during illness or injury. The company focuses specifically on disability insurance, complementing general insurance offerings with this specialized product. It addresses various local needs by serving commercial sectors including offices, warehouses, and food service establishments.
Based in Huntington Station, NY, Eric S. Studley & Associates Inc. serves local residents seeking personal disability income protection. The agency also structures commercial coverage for area businesses that need to safeguard employee earnings during illness or injury. Service extends throughout Huntington Station and the surrounding Suffolk County communities. Clients regularly return for policy reviews and updates between scheduled visits.
Kabco Benefits Group Ltd, based in Huntington Station, NY, is known for guiding clients through the complexities of disability income protection. The company serves local professionals and small business owners, helping them secure coverage that replaces lost wages during illness or injury. Its agents analyze individual needs against policy options from major carriers. Beyond standard short-term and long-term plans, the firm can also structure specialized own-occupation coverage for physicians and surgeons.
What Does a a Disability Insurance Agent in Huntington Station Cost?
Disability insurance agent services in New York typically involve commission-based compensation paid by the insurance company. Some agents charge a flat fee for policy reviews, which can range from 100 to 500 dollars. Individual disability insurance premiums for a healthy 35-year-old in Huntington Station often cost 200 to 600 dollars per month for a 60 percent income replacement policy. This is general information, not insurance advice.
About disability insurance agents in Huntington Station
Disability insurance agents in Huntington Station New York assist residents with individual and group disability policies. New York state law requires insurers to provide clear policy terms and timely claim decisions. Local agents can help you understand your coverage and file claims correctly.
Frequently Asked Questions
What does a disability insurance agent in Huntington Station do?
An agent helps you compare disability insurance plans and complete applications. They also guide you through the claims process and explain policy exclusions. In New York, agents must be licensed by the Department of Financial Services.
How does New York law affect disability insurance claims?
New York Insurance Law Section 3216 requires disability policies to include specific provisions. Claims must be decided within 45 days of receiving proof of loss. Agents can explain these rules and help you meet deadlines.
Can a Huntington Station agent help with an existing claim denial?
Yes, an agent can review your denial letter and explain your options. They may help you submit additional evidence or request a review. New York law allows you to appeal a denial within 180 days.
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