New Jersey Nursing Home Insurance Policy

We also offer affordable long term care insurance policies in the following New Jersey counties and cities: Union

County, Essex County, Bergen County, Passaic County, Sussex County, Morris County, Warren County,

Hunterdon County, Somerset County, Middlesex County, Monmouth County, Mercer County, Burlington

County, Clark, Newark, Jersey City, 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, North Brunswick, Sayreville, East Brunswick, Somerset, Milltown, South River, Bound Brook,

Somerville, Bridgewater, Bayonne, Linden, Roselle, Hoboken, Union City, Weehawken, West New York,

Guttenberg, Cliffside Park, Edgewater, North Bergen, Secaucus, 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, Trenton, Camden, Atlantic City, Princeton, Vineland, Willingboro, and Toms River, NJ.

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.

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.

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.

Long Term Care Insurance (Nursing Care)

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

Click HERE to fill out a

Long Term Care Insurance Quote Request Form

Click on the link below to fill out a quote request form for a Long Term
Care Insurance policy that will provide excellent long term care insurance
coverage at an affordable cost. Or speak with our Long Term Care
Insurance Agent Specialist at 732-680-4444 to discuss the features.

Long Term Care Insurance Policy Premiums

Long Term Care Insurance Features

Long Term Care Insurance Facts & Costs

More Information on New Jersey

Long Term Care Insurance

New Jersey Long Term Care Insurance Information

"Your Local New Jersey Long Term Care Insurance Policy Agent Specialist!"