The top-rated disability insurance agent in Rochester, New York is VanScoter Insurance Agency LLC, rated 5.0 stars across 438 reviews. Other highly rated options include Quinton Insurance, FLANAGAN MILLS INSURANCE AGENCY, Flour City Insurance Agency. This directory lists 52 disability insurance agents serving Rochester.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | VanScoter Insurance Agency LLC | 1577 W Ridge Rd Suite 218 | (585) 663-2004 |
| 2 | Quinton Insurance | 2700 Elmwood Ave | (585) 244-9004 |
| 3 | FLANAGAN MILLS INSURANCE AGENCY | 448 Titus Ave | (585) 678-8008 |
| 4 | Flour City Insurance Agency | 1260 Scottsville Rd Suite 202A | (585) 861-2002 |
| 5 | Benefit Representatives of America | 1577 W Ridge Rd Store 1 | (585) 663-6333 |
| 6 | Insurance Marketplace Agency | 150 Allens Creek Rd Suite 220 | (585) 482-9980 |
| 7 | InsuranceTrak Services | 4515 Culver Rd # 206 | (585) 282-0934 |
| 8 | Ferris Insurance Agency | 2314 Lyell Ave | (585) 254-7440 |
| 9 | Twelve Corners Insurance Agency LLC | 919 S Winton Rd #210 | (585) 789-6488 |
| 10 | Woodbury Insurance Agency: Allstate Insurance | 200 Winton Rd | (585) 288-4901 |
VanScoter Insurance Agency LLC serves clients throughout the Monroe County area of New York from its base in Rochester. As a disability insurance agent, the company helps individuals and professionals select policies that provide income replacement if illness or injury prevents them from working. Its work includes guiding clients through the differences between short-term and long-term disability plans and comparing individual policies against employer-provided group coverage. The agency specifically handles applications for own-occupation disability policies and social security disability insurance benefit consultations.
Quinton Insurance helps individuals and businesses obtain disability coverage in the Rochester, New York area. The agency specializes in crafting policies that protect income when injury or illness prevents work. By evaluating a client’s occupation and health profile, the agent recommends coverage terms that fit actual financial needs. Short-term and long-term disability plans are both available to choose from. Commercial sectors routinely served include offices, warehouses, and food service operations.
FLANAGAN MILLS INSURANCE AGENCY provides disability coverage to individual professionals, small business owners, and self-employed workers in the Rochester area. This agency helps clients understand group and individual disability policies, protecting their income against unexpected illness or injury. Working with carriers, it supports claims and plan selection tailored to each occupation. The agency also serves clients in the surrounding communities of Henrietta and Greece within the greater Rochester metro.
Flour City Insurance Agency provides disability insurance services in Rochester, New York, distinguishing between one-time policy reviews and recurring plan management for local clients. Coverage options help replace a portion of income if illness or injury prevents work, with policies tailored to individual professions and earnings. The agency handles enrollment, claims assistance, and policy adjustments to maintain appropriate coverage over time. Service runs on a one-time, scheduled, or as-needed basis depending on each client’s ongoing needs.
Benefit Representatives of America serves the Rochester, New York, area and its surrounding communities, handling individual and group disability insurance policies to help protect clients’ income. The company assists residents in evaluating coverage options that address temporary or long-term loss of earnings due to illness or injury. For each case, it gathers information on the client’s occupation and income, then compares suitable plan features from different carriers to match specific needs with a practical solution.
Insurance Marketplace Agency in Rochester, New York specializes in helping individuals and business owners secure disability income protection policies, ensuring financial stability during illness or injury. The agency guides clients through various coverage options, tailoring plans to fit specific professional needs and income levels. It regularly assists self-employed professionals and corporate employees alike in navigating complex policy details and filing procedures. During the winter months, the agency focuses on helping outdoor workers and seasonal employees in upstate New York adjust their disability coverage to accommodate fluctuating work schedules and weather-related employment gaps.
InsuranceTrak Services provides disability insurance solutions for individuals and businesses throughout Rochester, New York. The agency specializes in helping clients secure income protection through both short-term and long-term disability policies tailored to their specific needs. It works closely with professionals to understand coverage gaps and recommend appropriate plans. The firm serves a wide range of commercial sectors, including offices, warehouses, and food service operations.
As winter weather and unpredictable work schedules often disrupt income steadiness in Rochester, Ferris Insurance Agency provides specialized guidance for those seeking disability coverage. Serving the local community from its Rochester base, this disability insurance agent helps individuals evaluate policies that protect earnings during illness or injury. Clear consultations focus on realistic benefit amounts and waiting periods. An initial consultation begins with a careful review of the client’s current employment coverage to identify any gaps.
Twelve Corners Insurance Agency LLC serves residents of Rochester, New York by evaluating individual needs for income protection plans. The agency also advises local businesses on commercial disability coverage to safeguard key employees and operations. Service focuses on the greater Rochester area and surrounding Monroe County communities. Clients often return between regular visits to adjust coverage after life events like career changes or family growth, ensuring policies remain relevant to each changing situation.
What Does a a Disability Insurance Agent in Rochester Cost?
Typical costs for disability insurance through an agent in New York range from $50 to $300 per month for individual policies, depending on age, health, and coverage level. Group plans through employers often cost less, sometimes 0.5% to 1% of salary. Agents usually earn a commission from the insurance carrier, so their services are often free to you. This is general information and not insurance advice.
About disability insurance agents in Rochester
Disability insurance agents in Rochester New York help individuals and businesses find coverage that protects income if injury or illness prevents work. New York law requires employers to provide short-term disability benefits through the New York State Disability Benefits Law. Local agents guide clients through policy options and state-specific requirements like the 26-week benefit period for statutory coverage.
Frequently Asked Questions
What does a disability insurance agent in Rochester do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your needs. They explain policy terms, exclusions, and benefit amounts. They also assist with filing claims and understanding New York state disability laws.
How does New York state disability law affect my policy?
New York requires most employers to provide short-term disability benefits under the Disability Benefits Law. This covers off-the-job injuries and illnesses for up to 26 weeks. A local agent can explain how this statutory coverage interacts with private long-term disability policies.
What is the typical cost for disability insurance in New York?
Premiums vary based on age, health, occupation, and benefit amount. For an individual policy, costs often range from 1% to 3% of annual income. Group plans through employers may have lower rates. An agent can provide quotes specific to your situation.
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