Long Term Care Insurance NJ

New Jersey Long Term Care Insurance Policy

Although people are generally living longer, many are requiring
assistance in their later years. Long term care services can be provided
in your home, in an assisted living facility or in a nursing home. In many
cases the family is no longer able to provide such care around the clock.
Family members may not live nearby, they may have other pressing
family commitments, or simply can't get the time off from work or away
from the home.

According to recent data, 48.6% of people age 65 and older may spend
some time in a nursing home and 71.8% of people age 65 and older may
use some form of home health care.

Some people can pay the bill out of pocket, others will qualify for Medicaid
(welfare), but most of us will fall somewhere in the middle. A New Jersey
Long Term Care insurance policy can help protect your assets from the
rising cost of care.

Long Term Care insurance is often referred to as "asset protection."
Individuals need to have assets worth protecting in order to justify the
purchase of a policy. If you are able to pay Long Term Care insurance
premiums without having to change your lifestyle - you should transfer
that risk to the insurance company.

Three Types of Long Term Care Insurance Policies

Facility Only: Will pay benefits for care in a nursing home, assisted
living facility or board and care facility. It's the most basic policy but
often the most needed type.

Home Health Care: Will pay benefits for care in your home, but not
in a facility. The preferred policy when a home health care situation is
possible.

Comprehensive: Will pay benefits for care in your home or in a facility.
This is the preferred type of plan (policy) because of it's flexibility, but is
also the most expensive.

A long term care insurance specialist with New Penn Insurance
Associates will assist you in deciding which type of policy will work
best for your needs.

More Information on New Jersey Long Term Care Insurance

Long Term Care Insurance Policy Premiums

Long Term Care Insurance Features

Long Term Care Insurance Facts & Costs

Click on the link below to fill out a quote request form for a New Jersey
long term care insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or speak with
one of our Personal Insurance Agent specialists at 609-466-5300 to
discuss the features.

Click HERE to fill out a

New Jersey Long Term Care

Insurance policy quote request form

**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
agent.

(also Pennsylvania)