New Jersey Nursing Home Insurance

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There are six primary factors influencing the premium for long term
care insurance policies:

Type of Policy: Facility, Home Health Care, or Comprehensive

Age: The most important element in determining the premium.
Naturally the earlier you start paying for long term care insurance
the better.

Daily Benefit: The maximum amount a policy will pay
for one day of care. This can vary from $50 per day to
over $400 per day. You will decide whether to purchase
sufficient insurance to cover all of these costs or only
most of them.

Benefit Limit: The number of years that a plan will
pay a benefit from the time you get sick. Benefit limits
generally vary from one year to lifetime coverage. The
longer the benefit limit, the greater the protection but
the higher the cost.

Inflation Protection: Sometimes called an "inflation
rider", this provides you with a way for your daily
benefits to increase over time. Otherwise, the policy
may not be sufficient to protect you many years from
now. Long term care insurance policies normally
contain riders offering automatic daily benefit
increases of 5 percent each year, either at "simple" or
"compounded" rates.

Elimination Period: Amount of time that you agree to
pay out of your own pocket before the plan (policy)
begins to pay. This period normally varies from 0 to
100 days. The 100-day elimination period will produce
the smallest premium cost to you.

Long Term Care Insurance (Nursing Care)

There are three levels of nursing care that are covered
by a long term care insurance policy:

Custodial care: Care necessary due to a permanent or chronic
illness or injury, which is less intensive, but which may continue
indefinitely. This nursing care helps a person perform activities of
daily living or supervises a person if cognitive impairment exists.
Many custodial care situations start with a mild degree of illness
which is followed by slow deterioration. Alzheimer's disease is one
example where custodial care is usually needed. Other types of
insurance policies do not offer custodial care benefits. The value of
long term care insurance for you or a family member and protecting
a lifetime of created assets is never more evident than in custodial
care nursing services.

Skilled care: Short term nursing care needed after an illness or
serious injury. Consists of rehabilitative and intensive 24 hours per
day care.

Intermediate care: Rehabilitative care by a nurse for up to six
months and when less than 24-hours per day supervision is
needed.

Skilled care: Short term nursing care needed after an illness or
serious injury. Consists of rehabilitative and intensive 24 hours
per day care.

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.