The top-rated disability insurance agent in Pawtucket, Rhode Island is Affordable Insurance, rated 4.5 stars across 816 reviews. Other highly rated options include Andrews Insurance Agency, Medicare Mavis, Jack Tavares: Allstate Insurance. This directory lists 15 disability insurance agents serving Pawtucket.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Affordable Insurance | 44 East St | (401) 725-2222 |
| 2 | Andrews Insurance Agency | 450 Armistice Blvd | (401) 722-4271 |
| 3 | Medicare Mavis | 333 School St Suite 213 B | (401) 864-4716 |
| 4 | Jack Tavares: Allstate Insurance | 720 Central Ave | (401) 728-8686 |
| 5 | Butler & Messier Insurance | 1401 Newport Ave | (401) 728-3200 |
| 6 | Smith Insurance Group | 664 Armistice Blvd | (401) 724-1660 |
| 7 | All-Star Insurance Agency | 50 Division St | (401) 213-1244 |
| 8 | General Insurance LLC | 249 Prospect St | (401) 655-2712 |
| 9 | T & R Svc LLC | 872 Newport Ave | (401) 475-4774 |
| 10 | Prime Insurance Agency RI | 112 RI-126 | (401) 552-4281 |
Affordable Insurance serves the Pawtucket, Rhode Island area as a local disability insurance agent. It assists individuals and small business owners in understanding their coverage options for income replacement due to illness or injury. The agent works with clients to navigate employer-sponsored plans and private policies. These offerings are designed to protect earnings if a person cannot work. Common services handled include short-term disability benefits for temporary conditions and long-term disability policies for more extended periods of recovery.
Andrews Insurance Agency serves the Pawtucket, Rhode Island area as a disability insurance agent, helping individuals and business owners secure income protection policies tailored to their specific needs. The agency assists clients in understanding policy terms, filing claims, and reviewing coverage options to maintain appropriate plans over time. It works with professionals, self-employed individuals, and small business operators. Its services cover single-family homes, apartments, retail shops, and restaurants seeking coverage for their operations and key personnel.
Medicare Mavis in Pawtucket, RI, differentiates between one-time policy evaluations and recurring service for ongoing claim management. As a disability insurance agent, the company assists local clients in understanding their coverage options, including how benefits can replace lost income during illness or injury. This service helps policyholders navigate the complexities of their plans and potential claims. All support is provided on an as-needed basis, allowing clients to request assistance whenever a disability situation or coverage question arises.
Serving Pawtucket, Rhode Island, and the surrounding communities, Jack Tavares: Allstate Insurance handles disability insurance agent services for local residents and workers. The agency focuses on providing coverage that helps replace income if a client becomes unable to work due to injury or illness. It manages individual policies designed to meet varying personal and professional needs in the area. For a typical job, the agent consults with each client to assess their occupation and income requirements.
Homeowners, business owners, and property managers in Pawtucket rely on Butler & Messier Insurance for their disability insurance agent needs. They assist clients in finding income protection plans that help replace a portion of earnings if a covered injury or illness prevents work. Services include evaluating policy options and explaining how these benefits coordinate with other coverage types. Their work regularly serves individuals and companies throughout the Attleboro area and the greater Providence metro region as well.
Smith Insurance Group in Pawtucket, RI, offers expert guidance on individual disability income policies and business-continuity protection plans. They also assist clients with evaluating existing group coverage and navigating claims processes for long-term disability benefits. The agency helps professionals and self-employed individuals in Rhode Island secure income replacement strategies tailored to local employment needs. For residents concerned about recovering from an unexpected injury or illness that prevents them from working during the winter months, this firm provides insight into building a benefit that covers essential expenses until their return to regular duties.
In Rhode Island, winter weather can lead to slips and injuries that prevent steady work. All-Star Insurance Agency in Pawtucket addresses this risk by guiding residents toward disability insurance policies that replace lost income during recovery. Their agents explain how benefits apply to common local occupations, from manufacturing to healthcare, and help clients choose realistic waiting periods and coverage durations. The process begins with a thorough review of the person’s current income and employment risks before any policy recommendations are made.
General Insurance LLC provides assistance to individuals seeking income protection against unexpected illness or injury. As a disability insurance agent in Pawtucket, RI, the company helps clients evaluate policy structures and coverage limits suited to local employment needs. Their services extend to advising on benefit duration and elimination periods. They work with offices requiring short-term income plans, warehouses needing long-term protection for experienced staff, and food service businesses navigating variable employee schedules.
T & R Svc LLC provides disability insurance agent services to residential clients in Pawtucket, Rhode Island, helping individuals protect their income against unexpected illness or injury. Commercial coverage is also available for small and mid-sized businesses in the surrounding area, supporting employee benefit planning. Each policy is explained thoroughly to ensure clients understand their options and obligations. Regular follow-up appointments are scheduled to review coverage needs between annual renewal dates, and repeat service includes updating beneficiaries or adjusting benefit amounts as life circumstances change.
What Does a a Disability Insurance Agent in Pawtucket Cost?
The cost of a disability insurance agent in Pawtucket Rhode Island is typically a commission paid by the insurance company not a direct fee to you. Premiums for individual policies range from 1% to 3% of your annual income. For example a 50,000 dollar annual salary might result in premiums of 500 to 1,500 dollars per year. Costs vary based on age health occupation and policy features. This is general information not insurance advice.
About disability insurance agents in Pawtucket
Disability insurance agents in Pawtucket Rhode Island help residents protect their income if they cannot work due to illness or injury. Rhode Island has a state-run Temporary Disability Insurance program but private agents offer policies that supplement or replace this coverage. Agents guide clients through policy options and claims processes under Rhode Island law.
Frequently Asked Questions
What does a disability insurance agent in Pawtucket do?
A disability insurance agent helps you find and purchase a policy that fits your needs. They explain coverage limits waiting periods and exclusions. They also assist with filing claims and understanding Rhode Island specific rules.
How does Rhode Island Temporary Disability Insurance work with private policies?
Rhode Island offers a state TDI program that pays a portion of your wages for up to 30 weeks. A private disability insurance agent can help you buy a policy that fills the gap between TDI benefits and your full income. Private policies often have longer benefit periods.
Are there time limits for filing a disability claim in Rhode Island?
Yes. For private policies you must file a claim within the time stated in your contract often 30 to 90 days. For Rhode Island TDI you must file within 30 days of becoming disabled. An agent can help you meet these deadlines.
Disability Insurance Agents in Other Rhode Island Cities
Cranston · East Providence · Middletown · North Kingstown · Providence · Warwick