As independent agents, we work with the leading insurance companies so that we may suggest a company and product which will be most appropriate for you!

Q: Who should consider Long Term Care Insurance?
A: If you are age 45 or above, and are interested in protecting your net worth, you should determine whether this type of coverage is important to you. Or, if you are wondering how you will finance the care you or a spouse may require you may wish to explore this important option. You do need to be in fairly good health for this type of coverage which does observe underwriting guidelines dependent upon your health.

Q: When should you consider Long Term Care Insurance?
A: Long Term Care insurance should be considered when you are planning for your future. Other key times to consider it include when you are nearing retirement, once you are in or beyond your forties, and certainly while you are still healthy!

Q: What will it cost?
A: Premiums are based on your age at the time the application is taken, and are dependent upon the combination of benefits which will best meet your needs. If you are considering long term care insurance, it is highly recommended that you meet with a qualified agent who specializes in this type of coverage. Policies can be, and should be, designed for the specific needs of each individual.

Interesting Statistics
Medicare pays for approximately 2% of all nursing home stays -meaning 98% are
not covered. The average cost of a nursing home stay in NJ is about $109,000 a year.
1 in 220 homes will catch fire in any given year; 1 in 8 cars will be in an accident in any given year; 1 in 2 people reaching the age of 65 will require long term care.

Related Reading:

You may request a free copy of A Shopper’s Guide to Long-Term Care Insurance by calling or writing:

The National Association of Insurance Commissioners
120 W. 12th Street
Suite 1100
Kansas City MO 64105-1925
842-3600

Information request…..

Contact us today for more information or to schedule an appointment