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Directory of disability insurance agents in Scituate, Rhode Island. Verify credentials with the state department of insurance before hiring.
3 agents listed
Updated May 2026
Scituate, 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 3 disability insurance agents in Scituate, 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.
Charland/Caluori Insurance
629 W Greenville Rd, Scituate, RI 02857
(401) 647-9200
charlandinsurance.com
Insight Insure Agency
24 Snake Hill Rd, Scituate, RI 02857
(401) 213-1866
Sarah Insurance Services Inc
90 Danielson Pike, Scituate, RI 02857
(401) 725-6739
sarahinsurance.com
Disability insurance agents in Scituate Rhode Island help residents secure income protection if they cannot work due to illness or injury. Rhode Island law requires employers to provide temporary disability insurance through the state program but private agents can help fill gaps with supplemental coverage. Working with a local agent ensures you understand how state benefits coordinate with individual policies.
What Does a Disability Insurance Agent in Scituate Cost?
Costs for disability insurance in Rhode Island vary by age, health, occupation, and benefit amount. Typical premiums range from 1 to 3 percent of your annual income. For example a 35 year old office worker might pay 40 to 80 dollars per month for a policy that replaces 60 percent of income. Costs are higher for high risk occupations or shorter waiting periods. This is general information and 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 Scituate do?
A disability insurance agent helps you compare policies from different carriers to find coverage that fits your occupation and budget. They explain key terms like elimination periods and benefit durations. Agents also assist with the application process and can answer questions about Rhode Island specific rules.
How is Rhode Island disability insurance different from private plans?
Rhode Island has a state mandated Temporary Disability Insurance program that provides partial wage replacement for up to 30 weeks. Private disability insurance agents can help you buy additional coverage that pays beyond what the state provides. Private plans often have longer benefit periods and higher benefit amounts.
Do I need disability insurance if I already have Rhode Island state coverage?
State TDI only covers non work related disabilities and pays a maximum of about 60 percent of your wages up to a state cap. Many workers buy private policies to replace more income or to cover longer term disabilities. An agent can help you assess your personal risk and income needs.
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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.