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301.683.5023

Disability Insurance in Hagerstown and Oakland, MD

Your Biggest Asset is You

Geoffrey Karlen Agency Inc. provides disability insurance to individuals in Hagerstown, Williamsport, Waynesboro, Frederick, Boonsboro, Chambersburg, and surrounding areas.

Disability Insurance

When it comes to protecting your assets, one of the most important things you can insure is not a material object like your car or home – it is your ability to work and earn a living. At Geoffrey Karlen Agency Inc., we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and cannot work, you will need to be protected in order to maintain your standard of living.

With disability income Insurance from Geoffrey Karlen Agency Inc., you can continue to pay your bills and keep you and your family from going into serious debt. If you cannot work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent.

Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like life insurance, disability is purchased for a period of time, such as a two or five-year term, and benefits will only be paid if you become disabled during the term of the policy.

Choosing the right disability coverage is important. In the event you become disabled, you will want to ensure that you and your family have enough coverage. A representative at Geoffrey Karlen Agency Inc. will look at the individual factors in your life and work situation and help design the best policy that meets your personal insurance needs.

Our Locations

Hagerstown Office

19756 Longmeadow Rd
Hagerstown, MD 21742
Main office: 301-683-5023
Fax: 301-790-3959

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: Closed
Sun: Closed

Charles Toms' Office

1101 Opal Ct Ste 101
Hagerstown, MD 21740
Main office: 301-739-5410

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Frederick Location

186 Thomas Johnson Drive STE 100
Frederick, MD 21702
Main office: 301-683-5023
Fax: 301-790-3959

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: Closed
Sun: Closed

Oakland Office

14689 Garrett HWY, STE 1
Oakland, MD 21550
Main office: 301-812-4976
Fax: 301-790-3959

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers