NJ Long Term Care Insurance Information

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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 Your Life Solutions will
assist you in deciding which type of policy will work best for your
needs.

More Information on New Jersey Long Term Care Insurance

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 to discuss the features.

**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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We are your local northern New Jersey insurance agency, offering affordable long term
care insurance policy premiums to residents 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 long term care
insurance services throughout the state of New Jersey, including the greater New York
City area.