New Jersey Group Long Term Care Insurance Information
Group Long Term Care Insurance is the American workers most
requested new employment benefit. Employees are being forced out
of the work force because they are called upon to care for spouses
and parents with long tern care needs. The largest growth in
employee "down time" today is caused by the need for taking care of
aging parents.
Click on the link below to fill out a quote request form for a New Jersey
group long term care insurance plan that regardless of whether you're a
large employer or a small business, will provide exceptional long term
care insurance coverage for your businesses most important
asset...your employees. Or speak with our New Jersey Business
Insurance Specialist to discuss the features.
We are your local northern New Jersey insurance agency, offering comprehensive
group long term care insurance services to businessess in the following cities and
counties: Succasunna, Boonton, Boonton Township, Brookside, Budd Lake, Butler,
Cedar Knolls, Chatham, Chester, Convent Station, Denville, Dover, Dover Annex,
East Hanover, Fayson Lakes, Flanders, Florham Park, Gillette, Green Village,
Greystone Park, Hibernia, High Crest, Ironia, Kenvil, Kinnelon, Lake Hiawatha, Lake
Hopatcong, Lake Intervale, Landing, Ledgewood, Lincoln Park, Lindy Lake, Long
Valley, Lower Montville, Lyonsville, Madison, Mendham, Meriden, Millington, Mine
Hill, Montville, Montville Township, Morris Plains, Morristown, Mount Arlington, Mount
Freedom, Mount Olive, Mount Tabor, Mountain Lakes, Netcong, New Vernon,
Parsippany, Pequannock, Pequannock Township, Picatinny Arsenal, Pine Brook,
Pinebrook, Pompton Junction, Pompton Plains, Powerville, Ralston, Randolph,
Riverdale, Rockaway, Rockaway Valley, Schooleys Mountain, Stirling, Tabor,
Taylortown, Towaco, Troy Hills, Wharton, Whippany, Stanhope, Hopatcong,
Espanong, Hurdtown, Cranberry Lake, Andover, Greendell, Woodport, Springdale,
Oak Ridge, Milton, Sparta, Lake Lenape, Newton, Ogdensburg, Saxton Falls,
Johnsonburg, Allamuchy, Vienna, Hackettstown, Beattystown, Marksboro, Hope,
Townsbury, Washington, Newark, Elizabeth, Rahway, Colonia, Iselin, Avenel,
Woodbridge, Port Reading, Carteret, Perth Amboy, Fords, South Amboy, Metuchen,
Plainfield, Dunellen, South Plainfield, Green Brook, Fanwood, North Plainfield,
Cranford, Scotch Plains, Westfield, Union, Millburn, Springfield, Mountainside,
Gillette, Warren, Watchung, Stirling, Millington, Middlesex, Martinsville, Piscataway,
Edison, New Brunswick, Highland Park, Somerset, Milltown, South River, Bound
Brook, Somerville, Bridgewater, Fairview, Ridgefield, Fort Lee, Leonia, Palisades
Park, Englewood Cliffs, Englewood, Bergenfield, Teaneck, Paramus, Bogota,
Ridgefield Park, Little Ferry, Hackensack, Maywood, Teterboro, South Hackensack,
Rochelle Park, Moonache, Lodi, Hasbrouck Heights, Saddle Brook, Garfield,
Elmwood Park, Woodridge, Carlstadt, East Rutherford, Lyndhurst, Rutherford,
Wallington, Passaic, Clifton, Paterson, Totowa, West Paterson, Little Falls, Great
Notch, North Caldwell, Cedar Grove, Verona, Montclair, Bloomfield, West Orange,
Glen Ridge, Belleville, Nutley, Kingsland, North Arlington, Kearney, Harrison, East
Orange, East Newark, Orange, Irvington, South Orange, Hillside, Townley,
Livingston, Wayne, Morris County, Sussex County, Somerset County, Pasaic County,
Bergen County, Hunterdon County, Union County, and Warren County, NJ. We also
offer group long term care insurance services throughout the state of New Jersey,
including the greater New York City area.
Answer a few questions and
we will provide you with a
quote by email or phone.
Choose the northern New
Jersey Personal, Employee
Benefit or Commercial
insurance coverage you're
interested in from above.
Business Insurance
Group Long Term
Care Insurance
Employee Benefits
When one of your employees needs long term care
services or must provide long term care for
someone at home, it may put your New Jersey
business at risk because it can have a great impact
on your bottom line. You may not notice the cost
immediately, but over time it may really add up.
If an employee is providing care for someone at
home it is almost as though they have another full
time job. It may affect your business in the following

1. Decline in productivity
2. Decreased willingness to relocate or travel for
3. Not able to work full time or must leave job
4. Motivation and morale are compromised
5. Interruptions during the day to handle phone calls
or emergencies
6. Absenteeism
7. Increased stress which could result in health
related problems
8. Replacement costs if employee needs to resign
Long Term Care Insurance Employer Advantages
Recent health care legislation makes qualified long
term care insurance policies more tax advantageous
for both employers and employees. New Jersey
employers that pay for long term care insurance may
be eligible for favorable tax treatment. The tax
consequences vary depending on the structure of
your business.
1. Employer paid long term care insurance premiums for
employee, spouse, and retiree coverage may be deducted as a
business expense.

2. Employers can cover defined classes of workers, making it
possible to offer the benefit to only higher paid employees.
3. Employees with medical and dental expenses exceeding 7.5%
of adjusted gross income may be able to also deduct eligible long
term care insurance premiums they pay.

4. Premiums are not classified as taxable income to employees.

5. Benefits are not considered taxable income to the insureds or
their families (even if the employer paid the premium.)

6. Benefits are 100% tax-free to the employees whether the
employee or the employer pays the premium.
**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.
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