The top-rated disability insurance agent in Clayton, North Carolina is Wayne Wallace - State Farm Insurance Agent, rated 4.9 stars across 284 reviews. Other highly rated options include Chad Richards - State Farm Insurance Agent, Bonnie Burns - State Farm Insurance Agent, Stephenson Insurance Associates. This directory lists 20 disability insurance agents serving Clayton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Wayne Wallace - State Farm Insurance Agent | 221 NC 42 | (919) 731-2211 |
| 2 | Chad Richards - State Farm Insurance Agent | 110 Flowers Xrds Wy Ste 102 | (919) 359-2941 |
| 3 | Bonnie Burns - State Farm Insurance Agent | 11446 Clayton Blvd | (919) 553-0422 |
| 4 | Stephenson Insurance Associates | 481 E Main St | (919) 901-3632 |
| 5 | NC Farm Bureau Insurance | 570 NC 42 | (919) 553-8862 |
| 6 | Gorman Group Insurance, LLC | 481 E Main St Suite 105 | (919) 438-0005 |
| 7 | Jaime Oxendine - State Farm Insurance Agent | 868 Gulley Dr | (919) 553-8300 |
| 8 | Southern Shield Insurance | 476 Shotwell Rd #102 | (919) 330-1400 |
| 9 | Clayton Insurance | 1006 E Main St | (919) 553-3031 |
| 10 | Family Insurance Agency | 632 Pinecroft Dr | (919) 550-8530 |
Wayne Wallace - State Farm Insurance Agent serves Clayton, North Carolina, and the surrounding Johnston County area, offering disability insurance agent services. As an independent contractor affiliated with a national carrier, the agency helps individuals and families protect their income if illness or injury prevents them from working. Policies are designed to replace a portion of lost wages during recovery periods. The office handles short-term disability insurance and long-term disability insurance for local residents.
Chad Richards - State Farm Insurance Agent in Clayton, NC, provides disability insurance services that help replace a portion of lost income if an illness or injury prevents a client from working. The office offers consultations to explain how these policies function within a broader financial plan, along with ongoing policy reviews to adjust coverage as circumstances change. Disability insurance protects the earning potential of working individuals across various local properties, including single-family homes, apartments, retail stores, and restaurants.
Homeowners, renters, and small business owners in Clayton, North Carolina can work with Bonnie Burns - State Farm Insurance Agent for disability insurance coverage. The agency helps clients understand how disability policies can replace a portion of lost income if an illness or injury prevents them from working. It also advises on policy options that align with individual financial situations and employment status. Serving the greater Clayton area, the agency additionally covers nearby communities such as Garner and the surrounding Johnston County region.
In Clayton, North Carolina, Stephenson Insurance Associates distinguishes between one-time disability insurance evaluations and recurring coverage reviews tailored to local professionals. Their services focus on explaining how disability policies protect income during illness or injury. Coverage options include individual plans for self-employed clients and group policies for area businesses. Technical consultations address policy exclusions and elimination periods without promotional claims. Service runs on a one-time, scheduled, or as-needed basis depending on each client’s changing needs.
NC Farm Bureau Insurance serves Clayton, North Carolina, and the surrounding Johnston County communities. It handles disability insurance, helping local workers replace a portion of their income if illness or injury prevents them from performing their job. The agency works with all legitimate employment types to design a plan that addresses common gaps in employer coverage. Each case is approached by first assessing the client’s current income protection and then recommending a benefit amount appropriate to the household budget.
With the first chill of the season often reminding residents of Clayton of their physical limits, reliable income protection becomes a pressing concern for local professionals. Gorman Group Insurance, LLC responds as a disability insurance agent by helping individuals evaluate coverage that can replace lost wages after an injury or illness. The firm focuses on illustrating policy terms and exclusions based on a client’s specific work demands and medical history. Each client relationship begins with a thorough review of existing insurance papers and a detailed employment function analysis.
Specializing in disability insurance, Jaime Oxendine as a State Farm Insurance Agent in Clayton, NC works with local residents to secure income protection plans. The agency provides personalized consultations to explain policy options and help individuals prepare for unexpected health setbacks or injuries that could prevent them from working. These tailored plans focus on replacing lost earnings during medical recovery periods. As the post-holiday season places additional financial strain on many households, the agency assists clients in evaluating their risk of losing a primary income source.
Southern Shield Insurance connects clients in Clayton, North Carolina, with disability insurance agents who assess income protection needs. The company specializes in policies that replace a portion of earned wages during an illness or injury, offering both short-term and long-term coverage options. Agents explain benefit periods, elimination periods, and own-occupation riders so that clients understand their policy details before enrolling. The firm serves a range of local commercial sectors, including professional offices, warehouse facilities, and food service operations.
Clayton Insurance serves the Clayton, North Carolina area, offering residential disability insurance coverage for individual policyholders. The company also provides commercial disability insurance services to local business clients needing employee protection plans. As a local disability insurance agent, it helps residents and businesses navigate policy options for income replacement. Follow-up support and periodic policy reviews are available between regular visits to ensure coverage remains aligned with changing client needs.
Family Insurance Agency, based in Clayton, NC, serves as a dedicated disability insurance agent, helping local residents protect their income when illness or injury prevents them from working. The agency guides clients in selecting policies that cover a portion of their earnings, ensuring financial stability during recovery periods. Coverage options include short-term and long-term plans tailored to individual needs within the community. The agency concentrates on workers in physically demanding trades, offering customized transition benefits to help policyholders gradually return to part-time work.
What Does a a Disability Insurance Agent in Clayton Cost?
Disability insurance agent services in North Carolina are typically paid through commissions from the insurance carrier, not directly by you. Policy premiums for a 40-year-old office worker in Clayton might range from 50 to 150 dollars per month for a long-term plan with a 90-day waiting period. Short-term disability policies can cost 20 to 60 dollars per month. These amounts are estimates and your actual cost will depend on your specific situation. This is general information and not insurance advice.
About disability insurance agents in Clayton
Disability insurance agents in Clayton, North Carolina help individuals and businesses find coverage that protects income if illness or injury prevents work. North Carolina law does not require employers to offer disability insurance, so many workers seek private policies. A local agent can explain options like short-term and long-term disability plans tailored to your needs.
Frequently Asked Questions
What does a disability insurance agent in Clayton do?
A disability insurance agent helps you compare policies from different carriers and choose a plan that fits your budget and occupation. They can also assist with filing claims and understanding policy terms. In North Carolina, agents must be licensed by the state Department of Insurance.
How do North Carolina laws affect disability insurance?
North Carolina does not have a state-mandated disability insurance program, so coverage is voluntary through employers or private plans. The state follows the federal ERISA law for employer-provided plans, which sets strict deadlines for claim appeals. A local agent can explain how these rules apply to your policy.
What is the typical cost of disability insurance in Clayton NC?
Premiums vary based on age, health, occupation, and benefit amount. For a healthy 35-year-old, a long-term disability policy might cost 1% to 3% of annual income. Short-term plans are often cheaper but provide benefits for a shorter period. Costs also depend on the waiting period and benefit duration you choose.
Disability Insurance Agents in Other North Carolina Cities
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