The top-rated disability insurance agent in Lorain, Ohio is Neil Elkins - State Farm Insurance Agent, rated 5.0 stars across 362 reviews. Other highly rated options include Charles Chapman - State Farm Insurance Agent, Robert Taylor Insurance (Lorain Office), Chris Arnott Agency Inc.. This directory lists 17 disability insurance agents serving Lorain.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Neil Elkins - State Farm Insurance Agent | 1812 Cooper Foster Park Rd | (440) 282-2001 |
| 2 | Charles Chapman - State Farm Insurance Agent | 4340 N Leavitt Rd F | (440) 985-1405 |
| 3 | Robert Taylor Insurance (Lorain Office) | 2063 N Ridge Rd | (440) 277-5191 |
| 4 | Chris Arnott Agency Inc. | 4789 N Leavitt Rd Suite D | (440) 723-2991 |
| 5 | Lighthouse Insurance Agency | 4789 N Leavitt Rd Suite D | (440) 984-3463 |
| 6 | Janasko Insurance | 562 Broadway | (440) 245-6268 |
| 7 | The Liberty Company Insurance Brokers (Formerly Nationwide Insurance: Sam J Saraniti Clu) | 520 Broadway | (440) 776-8900 |
| 8 | Somers Agency LLC | 5311N N Leavitt Rd Ste 100 | (440) 324-3447 |
| 9 | Masters Insurance Agency | 210 W 7th St | (440) 244-2253 |
| 10 | Kelley Agency | 5311 N Leavitt Rd | (440) 282-8898 |
Neil Elkins - State Farm Insurance Agent serves the Lorain, Ohio, area as a disability insurance agent, helping individuals and families prepare for income loss due to illness or injury. The agency assists clients in understanding how disability coverage can protect earnings during recovery periods. Services are tailored to local residents seeking financial security through personalized policy options. The firm handles short-term disability plans for temporary coverage needs and long-term disability policies for extended protection.
Located in Lorain, OH, Charles Chapman - State Farm Insurance Agent serves local homeowners, renters, and small business owners seeking coverage for income loss due to injury or illness. The agency provides disability insurance policies that help replace a portion of earnings when a medical condition prevents work. Policy options are tailored to individual needs, helping clients protect their financial stability. This agent also covers surrounding communities within Lorain County and nearby areas such as Elyria to the east.
Robert Taylor Insurance provides disability insurance services to individuals and businesses in the Lorain, Ohio area. Its offerings include consultation on income protection plans that replace a portion of lost earnings if a client becomes unable to work due to illness or injury. The company assists with policy selection, application, and ongoing service to ensure coverage remains appropriate over time. It works with local employers and self-employed professionals to design plans tailored to varying income levels. It services single-family homes, apartments, retail, and restaurants.
Serving Lorain, Ohio and the surrounding communities of Elyria, Amherst, and Vermilion, Chris Arnott Agency Inc. handles disability insurance agent needs. It assists area residents in protecting their income by arranging policies that provide replacement earnings when illness or injury prevents work. The agency guides clients through the application process, explaining different plan structures. For a typical job, it begins by reviewing an individual’s occupation and current coverage, then presents policy options from various carriers for comparison.
Lighthouse Insurance Agency in Lorain, OH distinguishes between one-time policy reviews and recurring service options for ongoing coverage adjustments. Disability insurance agents in this area help clients protect income against illness or injury by evaluating individual needs and policy terms. Ongoing support is available for claim assistance or plan modifications, while one-time consultations focus on initial policy selection. Service runs on a one-time, scheduled, or as-needed basis depending on the client’s preference.
Janasko Insurance offers disability insurance agent services in Lorain, OH, focusing on providing income protection plans that replace a portion of lost wages during periods of illness or injury. Its general work involves assessing individual risk profiles and matching clients with appropriate policy options to safeguard their financial stability. This ensures that families can maintain essential expenses and daily living costs when a primary earner is unable to work. During the winter months, the agent helps those concerned about potential workplace accidents from icy conditions or seasonal slowdowns in employment.
As Lorain County transitions between winter and the busy spring season, residents increasingly seek to protect their income against unexpected illness or injury. The Liberty Company Insurance Brokers, formerly Nationwide Insurance: Sam J Saraniti Clu, serves this community with focused disability insurance agent services from their Lorain office. They assist local workers in evaluating policies that can replace lost earnings during recovery from accidents or serious medical conditions. A typical initial step involves reviewing an individual’s current coverage and household budget to determine a suitable benefit amount.
Somers Agency LLC provides individuals with guidance on securing income protection through disability insurance. Based in Lorain, OH, this company specializes in policies that replace a portion of earnings if a client cannot work due to illness or injury. The agency helps clients understand policy terms, waiting periods, and coverage limits to match their specific occupational risks. Its services are available to professionals in a variety of commercial settings, including offices, warehouses, and food service establishments.
Masters Insurance Agency in Lorain, OH, provides disability insurance for residents in their own homes, ensuring coverage protects personal income from illness or injury. The agency also offers policies for local businesses, helping commercial clients secure employee protection and stability. Service area includes Lorain and the surrounding communities. By developing tailored plans for each individual or company, the agency supports ongoing financial security. Clients often return for policy reviews and adjustments between regular visits, maintaining updated coverage as life circumstances evolve.
What Does a a Disability Insurance Agent in Lorain Cost?
Disability insurance costs in Ohio vary by age, health, occupation, and coverage amount. Typical premiums for an individual policy range from 1% to 3% of annual income. For example, a 40-year-old office worker might pay $50 to $150 per month for a policy covering 60% of income. Group plans through employers are often cheaper. This is general information, not insurance advice.
About disability insurance agents in Lorain
Disability insurance agents in Lorain, Ohio help individuals and businesses find coverage that protects income if injury or illness prevents work. Ohio law does not require private disability insurance, but many employers offer group plans regulated by the Ohio Department of Insurance. Local agents can explain policy options and assist with claims in Lorain County.
Frequently Asked Questions
What does a disability insurance agent in Lorain do?
A disability insurance agent helps you compare policies from different carriers and choose coverage that fits your needs. They can explain benefit periods, elimination periods, and how Ohio state laws affect your policy.
Are disability insurance benefits taxable in Ohio?
It depends on who pays the premiums. If you pay premiums with after-tax dollars, benefits are generally tax-free. If your employer pays premiums, benefits are usually taxable as income under federal and Ohio state tax rules.
How long do I have to file a disability claim in Ohio?
Ohio law does not set a specific deadline for private disability claims, but policies often require notice within 30 days of disability. Check your policy for exact time limits. Delays can lead to denial.
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