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Find Disability Insurance Agents in Charlestown, RI
Looking for a disability insurance agent in Charlestown? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Charlestown, RI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Rhode Island before hiring.
Showing 2 disability insurance agents in Charlestown, RI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Abstract Insurance Inc
3769 Old Post Rd, Charlestown, RI 02813
(401) 210-1304
Paul Sheinkopf - Prudential Financial
18 E Overlook Terrace, Charlestown, RI 02813
(401) 213-6228
prudential.com
Disability insurance agents in Charlestown Rhode Island help individuals and small business owners find coverage that protects income during illness or injury. Rhode Island law requires employers to provide temporary disability insurance through the state program but private agents can supplement with long term policies. Working with a local agent ensures you understand both state benefits and private options available in Washington County.
What Does a Disability Insurance Agent in Charlestown Cost?
Disability insurance agent services in Rhode Island are typically paid through commissions from the insurance carrier so there is no direct fee to you. Policy premiums vary by age health and occupation but individual long term disability plans often cost between 1% and 3% of your annual income. For example a 40 year old earning 60000 per year might pay 600 to 1800 annually. This is general information not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a disability insurance agent in Charlestown do?
A disability insurance agent helps you compare policies from multiple carriers to find coverage that fits your budget and needs. They explain policy terms such as elimination periods and benefit durations. Agents also assist with filing claims and navigating Rhode Island state disability benefits.
How is Rhode Island disability insurance different from other states?
Rhode Island has a mandatory Temporary Disability Insurance program that provides partial wage replacement for workers. Private disability insurance agents can help you add long term coverage that starts after state benefits end. Rhode Island also has specific time limits for filing claims which agents can explain.
Do I need a disability insurance agent if I already have employer coverage?
Employer coverage often has limits and may not cover all income. An agent can review your existing policy and identify gaps. They can also quote individual policies that are portable if you change jobs in Charlestown.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Rhode Island.