The top-rated disability insurance agent in Philadelphia, Pennsylvania is Nationwide Insurance: Ott & Associates Inc., rated 4.9 stars across 533 reviews. Other highly rated options include Adam Hutcheon - State Farm Insurance Agent, Mark Ziegler - State Farm Insurance Agent, McCollum Insurance Agency ️ ️ ️⭐⭐⭐⭐⭐. This directory lists 27 disability insurance agents serving Philadelphia.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Nationwide Insurance: Ott & Associates Inc. | 2448 Cottman Ave | (215) 333-5959 |
| 2 | Adam Hutcheon - State Farm Insurance Agent | 687 N Broad St | (215) 765-2686 |
| 3 | Mark Ziegler - State Farm Insurance Agent | 86 Bethlehem Pike Ste 1 | (215) 753-1501 |
| 4 | McCollum Insurance Agency ️ ️ ️⭐⭐⭐⭐⭐ | 106 Grape St #2 | (215) 508-9000 |
| 5 | Terra Insurance Services | 1879 Cottman Ave | (215) 742-3743 |
| 6 | Freedom Insurance Group Inc | 3308 Grant Ave | (215) 673-0300 |
| 7 | David Mayfield - State Farm Insurance Agent | 7424 Haverford Ave | (610) 284-1430 |
| 8 | Main Line Risk Management | 7300 City Ave Suite 120 | (215) 878-8100 |
| 9 | Starlight Agency LLC | 6226 Bustleton Ave | (215) 272-5793 |
| 10 | Insurephilly.com | 12325 Academy Rd | (215) 637-7621 |
Nationwide Insurance: Ott & Associates Inc. serves the Philadelphia, Pennsylvania metro area as a disability insurance agency. This firm helps clients understand various policy options designed to replace lost income due to injury or illness. Agents in this field typically evaluate individual needs and compare available plans from different insurers. The company guides residents through applications for long-term and short-term disability coverage tailored to local employment sectors.
Adam Hutcheon - State Farm Insurance Agent in Philadelphia, PA provides disability insurance coverage to help protect clients' income if they become unable to work due to illness or injury. The firm offers personalized plan reviews and policy maintenance, ensuring clients understand their benefits and any updates to their coverage. Service areas include single-family homes, apartments, retail locations, and restaurants throughout the Philadelphia region.
Individuals and families in Philadelphia seeking to protect their income from unexpected illness or injury can turn to Mark Ziegler - State Farm Insurance Agent for disability insurance guidance. The agency helps clients understand how disability coverage can replace a portion of lost earnings during recovery, providing financial stability. Policy options are explained clearly, allowing customers to select appropriate benefit periods and waiting terms for their specific situation. The agent also serves residents throughout nearby neighborhoods in the greater Philadelphia metro area, including Bala Cynwyd and Chestnut Hill.
The McCollum Insurance Agency in Philadelphia, PA helps clients understand the distinction between a one-time disability policy purchase, which secures a single coverage period, and recurring or renewable options that can be adjusted over time. Coverage typically protects a portion of earned income if illness or injury prevents work. The agency provides guidance on policy types suited to local professionals and small business owners. Service is available on an as-needed basis to discuss life changes or coverage updates.
Terra Insurance Services in Philadelphia, Pennsylvania specializes in matching clients with appropriate disability insurance policies for income protection. The agency assists local professionals in locating coverage that safeguards earnings if illness or injury prevents work. It guides individuals through plan details, underwriting steps, and application processes. The agency helps those planning for family leave or recovering from unexpected medical events find the financial support they need during physically demanding seasonal activities like winter sports or summer construction work.
As winter weather arrives in Philadelphia, unexpected injuries or illnesses can disrupt a steady income, making disability coverage a crucial consideration. Freedom Insurance Group Inc serves local professionals and workers by explaining group and individual policy options that protect earnings during recovery. The team helps clients navigate coverage gaps and waiting periods specific to Pennsylvania. An initial assessment begins with a free review of current benefits and personal financial obligations.
David Mayfield operates a general insurance agency in Philadelphia, providing personal and commercial coverage. Its specific focus includes disability insurance, helping policyholders replace lost income due to illness or injury. The agency assists clients in protecting their financial stability through customized individual and group disability plans. David Mayfield’s office serves a variety of commercial sectors, including office environments, warehouse operations, and the food service industry.
Main Line Risk Management provides residential disability insurance coverage for individuals in Philadelphia, Pennsylvania. The agency also structures commercial disability policies for area businesses seeking employee protection. They serve clients throughout Philadelphia and the surrounding region. Each policy is reviewed to align with personal income needs or corporate budget requirements. The agency schedules regular plan reviews as clients’ financial situations evolve, ensuring policies remain current between annual visits.
Starlight Agency LLC serves the Philadelphia area as a disability insurance agent, known for helping individuals and professionals secure income protection policies. The firm guides clients through the selection of short-term and long-term disability plans tailored to their specific employment situations. All consultations are focused on explaining coverage terms, elimination periods, and benefit amounts in plain language. A particular area of expertise includes assisting self-employed workers with obtaining individual policies that replace a percentage of their earned income.
What Does a a Disability Insurance Agent in Philadelphia Cost?
The cost of disability insurance in Pennsylvania varies based on age, health, occupation, and benefit amount. Typical premiums range from 1 percent to 3 percent of your annual income. For example, a 40 year old office worker might pay 50 to 150 dollars per month for a policy covering 60 percent of income. Costs are higher for high risk occupations or pre existing conditions. This is general information and not insurance advice.
About disability insurance agents in Philadelphia
Disability insurance agents in Philadelphia help individuals and businesses find coverage that protects income if you cannot work. Pennsylvania law requires certain employer-provided disability benefits under the Pennsylvania Workers Compensation Act. An agent can explain how state-specific rules affect your policy options and claims process.
Frequently Asked Questions
What does a disability insurance agent in Philadelphia do?
An agent helps you compare policies from different carriers and choose a plan that fits your needs. They also assist with filing claims and understanding policy terms. In Pennsylvania, agents can explain how state disability laws interact with private coverage.
How long do I have to file a disability claim in Pennsylvania?
For private disability insurance, the time limit depends on your policy terms, often 30 to 90 days after the disability starts. For Pennsylvania Workers Compensation, you generally have 120 days from the date of injury to notify your employer. An agent can help you understand your specific deadlines.
Do I need a disability insurance agent if my employer offers coverage?
It can still be helpful to consult an agent. Employer plans may have limited benefit amounts or strict definitions of disability. An agent can review your employer plan and suggest supplemental private coverage to fill gaps.
Disability Insurance Agents in Other Pennsylvania Cities
Allentown · Belle Vernon · Bensalem · Bethlehem · Blue Bell · Collegeville · Cranberry Twp · Easton · Erie · Exton · Harrisburg · Havertown · Hershey · Horsham · Huntingdon Valley