The top-rated disability insurance agent in Patchogue, New York is Robert Donahue - State Farm Insurance Agent, rated 4.9 stars across 327 reviews. Other highly rated options include Bay Harbour Insurance Agency, Inc., Fidelis Care - Patchogue Community Office, Gary Lombardo: Allstate Insurance. This directory lists 18 disability insurance agents serving Patchogue.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Robert Donahue - State Farm Insurance Agent | 499-77 Sunrise Hwy | (718) 459-2609 |
| 2 | Bay Harbour Insurance Agency, Inc. | 88 Waverly Ave | (631) 758-1550 |
| 3 | Fidelis Care - Patchogue Community Office | 232 E Main St | (631) 475-7200 |
| 4 | Gary Lombardo: Allstate Insurance | 1 S Ocean Ave Ste 204 | (631) 740-9742 |
| 5 | Specialized Insurance | 204 Medford Ave | (631) 758-6780 |
| 6 | LIGHTHOUSE INSURANCE PATCHOGUE | 259 Medford Ave | (631) 289-6400 |
| 7 | Michael Cirigliano: Allstate Insurance | 629 NY-112 #10 | (631) 758-7225 |
| 8 | Wekerle Agency Inc | 98 Medford Ave A | (631) 447-2626 |
| 9 | Cindy Goldsher Insurance | 88 Waverly Ave | (516) 578-8330 |
| 10 | Conference Associates | 180 E Main St #205 | (631) 654-0600 |
Robert Donahue - State Farm Insurance Agent serves Patchogue and the surrounding Suffolk County area, offering coverage options through the local agency. The company provides disability insurance to help protect income if an individual is unable to work due to illness or injury. This service includes guidance on understanding policy terms and benefit structures tailored to professional needs. Agent Robert Donahue handles both short-term and long-term disability insurance plans in this region.
Bay Harbour Insurance Agency, Inc. provides disability insurance agent services to clients throughout the Patchogue, NY area. The agency works with individuals and businesses to navigate the process of selecting and securing disability income protection policies. Its service approach includes explaining policy provisions, comparing coverage options, and assisting with applications. Maintenance plans consist of periodic policy reviews to adjust coverage as circumstances change and support with claims documentation. It services single-family homes, apartments, retail establishments, and restaurants.
Homeowners and business owners in Patchogue seeking disability insurance protection can turn to Fidelis Care - Patchogue Community Office for guidance. This local agency helps individuals and companies understand and select policies that provide income replacement if an injury or illness prevents work. The team focuses on clarifying plan options and navigating the application process for both short-term and long-term benefits. Their service area also extends to communities throughout the greater Brookhaven Township metro region.
Serving Patchogue, New York, Gary Lombardo: Allstate Insurance offers disability insurance through either a single-occurrence policy for a specific illness or injury, or a recurring payment plan that replaces a portion of your income over a longer period. Coverage is designed to provide financial protection if an injury or medical condition prevents you from working. This local agency structures its client services on an as-needed basis, handling inquiries and support whenever a claim or policy question arises.
As winter approaches, many Long Island residents review their financial protections against unexpected illness or injury. Specialized Insurance in Patchogue assists local professionals and small business owners in evaluating options for replacing lost income during periods of disability caused by medical conditions. The agency works with individuals to understand policy terms regarding benefit amounts, elimination periods, and coverage duration tailored to their employment situation. A thorough initial assessment of current income, expenses, and existing employer benefits typically begins the process of identifying suitable disability insurance solutions.
Lighthouse Insurance Patchogue serves the Patchogue, New York area and surrounding Suffolk County communities. The agency handles disability insurance policies that provide income replacement for clients who cannot work due to illness or injury. It offers assistance with choosing that coverage to fit individual career and financial needs. The company typically reviews a client’s current occupation, income level, and risk factors before matching them with a policy’s terms and conditions.
Michael Cirigliano: Allstate Insurance specializes in disability income protection, offering policies that replace a portion of lost earnings if illness or injury prevents work. The office in Patchogue, NY, guides clients through benefit details, elimination periods, and coverage riders. Local workers from trades to corporate positions seek guidance in planning financial security. With winter approaching, they can assist those in physical jobs concerned about slip-and-fall injuries and how such an event could affect household finances while recovering.
Serving the Patchogue area, Wekerle Agency Inc provides disability insurance services for residential clients, ensuring income protection against unforeseen medical events. The agency also extends coverage solutions to commercial businesses, helping local employers safeguard their workforce’s financial stability. Operating throughout Patchogue and its surrounding communities, the agency works with individuals and organizations to assess needs and secure appropriate policies. After an initial plan is implemented, the agency remains available for follow-up service or adjustments between regular visits, ensuring coverage continues to meet changing circumstances.
Cindy Goldsher Insurance, serving the Patchogue, New York area, is known for matching clients with disability insurance policies that replace lost income when injury or illness prevents work. The agency’s service range includes evaluating individual and group coverage options to address both short-term and long-term disability needs. A specialty service the company can add on is coordinating a supplemental policy to bridge gaps in existing employer-provided benefits.
What Does a a Disability Insurance Agent in Patchogue Cost?
The cost of disability insurance in New York typically ranges from 1% to 3% of your annual income for a policy with a 90-day elimination period and benefits paid to age 65. For example, a 40-year-old earning $75,000 per year might pay between $750 and $2,250 annually. Premiums vary based on age, health, occupation, and policy features. This is general information and not insurance advice.
About disability insurance agents in Patchogue
Disability insurance agents in Patchogue, New York help residents secure income protection in case of illness or injury. Under New York law, group disability policies must provide at least 50% of your salary up to a maximum of $1,500 per month. A local agent can explain how these state minimums apply to your specific situation and help you find a policy that meets your needs.
Frequently Asked Questions
What does a disability insurance agent in Patchogue do?
A disability insurance agent helps you compare policies from different insurers to find coverage that fits your budget and occupation. They explain policy terms like elimination periods and benefit durations. In New York, agents must be licensed by the Department of Financial Services.
What New York laws affect disability insurance policies?
New York requires group disability policies to offer a minimum benefit of 50% of weekly wages up to $1,500 per month. Individual policies are not subject to this minimum. New York also has a 30-day grace period for premium payments on most policies.
How do I choose a disability insurance agent in Patchogue?
Look for an agent with experience in your specific occupation or industry. Ask about the insurers they represent and whether they offer policies with own-occupation coverage. Check that the agent is licensed through the New York Department of Financial Services website.
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